AFRM vs AXP
AFRM: Affirm powers frictionless installment lending at checkout, letting consumers split purchases across merchants while banks originate the loans through Affirm's AI-driven risk platform. AXP: American Express is a global, technology-powered payments and premium lifestyle brand that connects card members and merchants through its end-to-end integrated payments platform.
Side-by-side fundamentals
| Metric | AFRM | AXP | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $71.21 | $340.84 | |
| Market cap as of 2026-07-24 | $23.8B | $232.6B | |
| P/E as of 2026-07-24 | 62.22 | 20.73 | AXP lower |
| PEG as of 2026-07-24 | 33.52 | 1.44 | AXP lower |
| Net margin as of 2026-07-24 | +9.6% | +14.1% | AXP higher |
| Gross margin as of 2026-07-24 | +92.5% | +61.0% | AFRM higher |
| Operating margin as of 2026-07-24 | +8.3% | +17.9% | AXP higher |
| ROE as of 2026-07-24 | +11.2% | +34.0% | AXP higher |
| ROA as of 2026-07-24 | +3.1% | +3.7% | AXP higher |
| Debt / equity as of 2026-07-24 | 2.35 | 6.42 | AFRM lower |
| Revenue growth (YoY) as of 2026-07-24 | +32.1% | +9.4% | AFRM higher |
| Revenue CAGR (3y) SEC XBRL | +33.7% | +6.5% | AFRM higher |
| Dividend yield as of 2026-07-24 | n/a | +1.1% | |
| Dividend streak (yrs) SEC XBRL | n/a | 5 | |
| Beta as of 2026-07-24 | 3.65 | 1.06 | |
| 1-year return as of 2026-07-23 close | +13.0% | +10.4% | AFRM higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.