AFRM vs SOFI
Affirm Holdings, Inc. and SoFi Technologies, Inc., both Financial Services
Affirm Holdings, Inc. is the larger company at $25B against $23B. On trailing earnings SOFI is the cheaper of the two at a P/E of 41.9 against 69.5, a gap that is only a bargain if the two are growing at similar rates. Over the past year AFRM returned -3.2% against -15% for SOFI. Ryufin's sector-relative Smart Score puts AFRM ahead, 6/10 against 4/10.
| Figure | AFRM | SOFI |
|---|---|---|
| Last close | $76.44 | $18.84 |
| Market cap | $25B | $23B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 69.5 | 41.9 |
| 1-year return | -3.2% | -15% |
| 5-year return | +18% | +20% |
| Ryufin Smart Scoresector-relative, 1–10 | 6/10 | 4/10 |
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.
SoFi Technologies, Inc.
Revenue of $1.1B in Q1 2026, net income $167M. Its largest reported line is Technology Services, 38% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or read the correlation.