WallStSmart

Affirm Holdings Inc (AFRM)vsMastercard Inc (MA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 723% more annual revenue ($35.08B vs $4.26B). MA leads profitability with a 46.3% profit margin vs 45.3%. MA appears more attractively valued with a PEG of 1.48. MA earns a higher WallStSmart Score of 72/100 (B).

AFRM

Strong Buy

70

out of 100

Grade: B

Growth: 10.0Profit: 7.5Value: 5.0Quality: 5.0
Piotroski: 3/9Altman Z: 0.87

MA

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 5/9Altman Z: 4.10

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AFRM5 strengths · Avg: 9.6/10
Return on EquityProfitability
35.2%10/10

Every $100 of equity generates 35 in profit

Profit MarginProfitability
45.3%10/10

Keeps 45 of every $100 in revenue as profit

Revenue GrowthGrowth
33.0%10/10

Revenue surging 33.0% year-over-year

EPS GrowthGrowth
2187.0%10/10

Earnings expanding 2187.0% YoY

P/E RatioValuation
12.9x8/10

Attractively priced relative to earnings

MA6 strengths · Avg: 9.7/10
Market CapQuality
$498.62B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
289.7%10/10

Every $100 of equity generates 290 in profit

Profit MarginProfitability
46.3%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
61.1%10/10

Strong operational efficiency at 61.1%

Altman Z-ScoreHealth
4.1010/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
22.1%8/10

Earnings expanding 22.1% YoY

Areas to Watch

AFRM4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.793/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
8.642/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.872/10

Distress zone — elevated risk

MA3 concerns · Avg: 2.3/10
P/E RatioValuation
31.3x4/10

Premium valuation, high expectations priced in

Price/BookValuation
88.7x2/10

Trading at 88.7x book value

Debt/EquityHealth
4.391/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : AFRM

The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.

Bull Case : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.

Bear Case : AFRM

The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.

Bear Case : MA

The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.

Key Dynamics to Monitor

AFRM profiles as a growth stock while MA is a mature play — different risk/reward profiles.

AFRM carries more volatility with a beta of 3.61 — expect wider price swings.

AFRM is growing revenue faster at 33.0% — sustainability is the question.

MA generates stronger free cash flow (3.3B), providing more financial flexibility.

Bottom Line

MA scores higher overall (72/100 vs 70/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Affirm Holdings Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.

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Mastercard Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.

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