AFRM vs FCFS
Affirm Holdings, Inc. and FirstCash Holdings, Inc., both Financial Services
Affirm Holdings, Inc. is the larger company at $25B against $10.0B. On trailing earnings FCFS is the cheaper of the two at a P/E of 27.6 against 69.5, a gap that is only a bargain if the two are growing at similar rates. Over the past year FCFS returned +64% against -3.2% for AFRM. Ryufin's sector-relative Smart Score puts AFRM ahead, 6/10 against 5/10.
| Figure | AFRM | FCFS |
|---|---|---|
| Last close | $76.44 | $220 |
| Market cap | $25B | $10.0B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 69.5 | 27.6 |
| Dividend yield | n/a | 0.7% |
| 1-year return | -3.2% | +64% |
| 5-year return | +18% | +195% |
| 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.
FirstCash Holdings, Inc.
Revenue of $1.1B in Q1 2026, net income $108M. Its largest reported line is US Pawn, 61% of the disclosed total.
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