AFRM vs FCFS
Affirm Holdings, Inc. and FirstCash Holdings, Inc., both Financial Services
Affirm Holdings, Inc. is the larger company at $26B against $9.5B. On trailing earnings AFRM is the cheaper of the two at a P/E of 14.6 against 24.4, a gap that is only a bargain if the two are growing at similar rates. Over the past year FCFS returned +47% against -12% for AFRM.
| Figure | AFRM | FCFS |
|---|---|---|
| Last close | $80.69 | $214 |
| Market cap | $26B | $9.5B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 14.6 | 24.4 |
| Dividend yield | n/a | 0.7% |
| 1-year return | -12% | +47% |
| 5-year return | -25% | +163% |
| RyuScoresector-relative, 1–10 | n/a | 62/100 |
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 $1.2B in Q4 2026, net income $1.6B. Its largest reported line is Merchant Network, 78% of the disclosed total.
FirstCash Holdings, Inc.
Revenue of $1.1B in Q2 2026, net income $93M. Its largest reported line is US Pawn, 58% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or see the correlation.