AFRM vs BFH: stock comparison and AI forecast
Affirm Holdings, Inc. (AFRM) and Bread Financial Holdings, Inc. (BFH) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
AFRM Affirm Holdings, Inc.
- Market Cap
- $22.98B
- P/E Ratio
- 11.8x
- Size
- large-cap
- AI Forecast
BFH Bread Financial Holdings, Inc.
- Price
- $101.83 +17.7% · 6M
- Market Cap
- $3.87B
- P/E Ratio
- 8.0x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- AFRM is 5.9 times larger than BFH by market capitalization ($22.98B against $3.87B).
- BFH trades at 8.0 times trailing earnings, AFRM at 11.8 times.
- BFH yields 0.98% in dividends; AFRM pays none.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | AFRM | BFH |
|---|---|---|
| Market Cap | $22.98B | $3.87B |
| P/E Ratio | 11.80x | 7.99x |
| P/B Ratio | – | 1.12x |
| Dividend Yield | – | 0.98% |
| EPS | $5.77 | $12.75 |
| Book Value/Share | – | $90.54 |
| Revenue/Share | $13.60 | $126.13 |
| FCF/Share | $2.42 | – |
Profitability & Margins
| Metric | AFRM | BFH |
|---|---|---|
| ROE | – | 15.6% |
| ROA | – | 2.3% |
| Operating Margin | 66.2% | – |
| Net Margin | – | 11.2% |
| EBT Margin | 75.3% | 14.5% |
| Tax Rate | -227.5% | 23.0% |
Financial Health
| Metric | AFRM | BFH |
|---|---|---|
| D/E Ratio | – | 5.78x |
| Financial Leverage | – | 6.78x |
| Interest Coverage | 1.4x | 4.2x |
Cash Flow
| Metric | AFRM | BFH |
|---|---|---|
| Operating Cash Flow | $1.06B | $2.19B |
| Free Cash Flow | $817M | – |
| Capital Spending | -$246M | – |
| OCF Growth YoY | 9.4% | 9.3% |
| FCF Growth YoY | 6.2% | – |
| FCF/Sales | 17.8% | – |
| CapEx/Sales | 5.4% | – |
Operational Efficiency
| Metric | AFRM | BFH |
|---|---|---|
| Asset Turnover | – | 0.21x |
| Receivables Turnover | 12.9x | – |
| Fixed Assets Turnover | 6.6x | 49.4x |
| Days Sales Outstanding | 28 days | – |
Income Statement
| Metric | AFRM | BFH |
|---|---|---|
| Total Revenue | $4.59B | $4.79B |
| Operating Income | $540M | – |
| Net Income | – | $537M |
| SG&A Expense | $1.47B | – |
Dividend & Shareholder Information
| Metric | AFRM | BFH |
|---|---|---|
| Dividends Per Share | – | $1.00 |
| Payout Ratio | – | 7.8% |
| Shares Outstanding | 337M | 38M |
| Net Income Growth | – | 1578.1% |
| EPS Growth | 736.2% | 30.6% |
AFRM vs BFH: stock comparison and AI forecast
Which is bigger, AFRM or BFH?
AFRM is 5.9 times larger than BFH by market capitalization ($22.98B against $3.87B).
Which is cheaper on earnings, AFRM or BFH?
BFH trades at 8.0 times trailing earnings, AFRM at 11.8 times.
Which one does Intratio's AI model rank higher, AFRM or BFH?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.