Affirm Holdings Inc (AFRM)vsSUI Group Holdings Limited (SUIG)
AFRM
Affirm Holdings Inc
$73.25
+4.48%
FINANCIAL SERVICES · Cap: $25.48B
SUIG
SUI Group Holdings Limited
$0.87
-3.57%
FINANCIAL SERVICES · Cap: $80.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 106820% more annual revenue ($3.97B vs $3.71M). AFRM leads profitability with a 9.6% profit margin vs 0.0%. AFRM earns a higher WallStSmart Score of 63/100 (C+).
AFRM
Buy63
out of 100
Grade: C+
SUIG
Avoid32
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 32.6% year-over-year
Earnings expanding 3529.0% YoY
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 83.3% YoY
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
ROE of -333.7% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 32.6% demonstrates continued momentum. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bull Case : SUIG
The strongest argument for SUIG centers on Price/Book, EPS Growth.
Bear Case : AFRM
The primary concerns for AFRM are P/E Ratio, Altman Z-Score, Debt/Equity. A P/E of 69.2x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : SUIG
The primary concerns for SUIG are Market Cap, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while SUIG is a value play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.67 — expect wider price swings.
AFRM is growing revenue faster at 32.6% — sustainability is the question.
AFRM generates stronger free cash flow (325M), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (63/100 vs 32/100) and 32.6% revenue growth. Both earn "Buy" and "Avoid" 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 →SUI Group Holdings Limited
FINANCIAL SERVICES · CREDIT SERVICES · USA
SUI Group Holdings Limited is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth. The company is headquartered in Wayzata, Minnesota.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?