AFRM vs COF
Affirm Holdings, Inc. and Capital One, both Financial Services
Capital One is the larger company at $125B against $25B. On trailing earnings COF is the cheaper of the two at a P/E of 64.1 against 69.5, a gap that is only a bargain if the two are growing at similar rates. Over the past year COF returned +3.6% against -3.2% for AFRM. Ryufin's sector-relative Smart Score puts AFRM ahead, 6/10 against 5/10.
| Figure | AFRM | COF |
|---|---|---|
| Last close | $76.44 | $217 |
| Market cap | $25B | $125B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 69.5 | 64.1 |
| 1-year return | -3.2% | +3.6% |
| 5-year return | +18% | +47% |
| Ryufin Smart Scoresector-relative, 1–10 | 6/10 | 5/10 |
Figures from SEC filings and end-of-day closes. Highlighting marks the higher or lower number, which is not the same as the better investment, a low P/E can be a warning and a high one can be deserved.
Affirm Holdings, Inc.
Revenue of $1.0B in Q3 2026, net income $103M. Its largest reported line is Merchant Network, 80% of the disclosed total.
Capital One
Revenue of $15B in Q1 2026, net income $2.2B. Its largest reported line is Interchange Fees Contracts, 89% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or read the correlation.