Affirm Holdings Inc (AFRM)vsOportun Financial Corp (OPRT)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
OPRT
Oportun Financial Corp
$9.98
+2.15%
FINANCIAL SERVICES · Cap: $422.62M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 473% more annual revenue ($4.26B vs $743.95M). AFRM leads profitability with a 45.3% profit margin vs 2.6%. AFRM trades at a lower P/E of 13.1x. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
OPRT
Buy55
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
Reasonable price relative to book value
Earnings expanding 21.4% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.8% — below average capital efficiency
2.6% margin — thin
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 : OPRT
The strongest argument for OPRT centers on Price/Book, EPS 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 : OPRT
The primary concerns for OPRT are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 6.54 is elevated, increasing financial risk. Thin 2.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFRM profiles as a growth stock while OPRT is a value 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 55/100), 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 →Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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