Affirm Holdings Inc (AFRM)vsNelnet Inc (NNI)
AFRM
Affirm Holdings Inc
$73.32
+0.88%
FINANCIAL SERVICES · Cap: $24.52B
NNI
Nelnet Inc
$121.88
-0.71%
FINANCIAL SERVICES · Cap: $4.56B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 186% more annual revenue ($4.26B vs $1.49B). AFRM leads profitability with a 45.3% profit margin vs 20.3%. NNI appears more attractively valued with a PEG of 0.46. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
NNI
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
Growing faster than its price suggests
Reasonable price relative to book value
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Revenue declined 30.5%
Earnings declined 62.8%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : NNI
The strongest argument for NNI centers on PEG Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.3% and operating margin at 18.2%. PEG of 0.46 suggests the stock is reasonably priced for its growth.
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 : NNI
The primary concerns for NNI are Debt/Equity, Revenue Growth, EPS Growth. Debt-to-equity of 1.87 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM profiles as a growth stock while NNI is a declining play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.82 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
AFRM generates stronger free cash flow (229M), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (70/100 vs 56/100), backed by strong 45.3% margins and 33.0% revenue growth. Both earn "Strong Buy" and "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.
Visit Website →Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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