Affirm Holdings Inc (AFRM)vsQfin Holdings, Inc. (QFIN)
AFRM
Affirm Holdings Inc
$71.97
-2.19%
FINANCIAL SERVICES · Cap: $24.52B
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
Smart Verdict
WallStSmart Research — data-driven comparison
Qfin Holdings, Inc. generates 294% more annual revenue ($16.77B vs $4.26B). AFRM leads profitability with a 45.3% profit margin vs 22.3%. QFIN trades at a lower P/E of 1.3x. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
QFIN
Buy62
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Generating 1.1B in free cash flow
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.5%.
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 : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AFRM profiles as a growth stock while QFIN 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.
QFIN generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (70/100 vs 62/100), 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 →Qfin Holdings, Inc.
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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