AFRM vs FCFS
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. FCFS: A diversified operator of pawn shops and retail point-of-sale finance solutions serving credit-constrained consumers across the U.S. and Latin America.
Side-by-side fundamentals
| Metric | AFRM | FCFS | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $71.21 | $197.41 | |
| Market cap as of 2026-07-25 | $23.5B | $8.6B | |
| P/E as of 2026-07-25 | 61.50 | 24.12 | FCFS lower |
| PEG as of 2026-07-25 | 33.52 | 0.65 | FCFS lower |
| Net margin as of 2026-07-25 | +9.6% | +9.2% | AFRM higher |
| Gross margin as of 2026-07-25 | +92.5% | +50.5% | AFRM higher |
| Operating margin as of 2026-07-25 | +8.3% | +15.7% | FCFS higher |
| ROE as of 2026-07-25 | +11.2% | +15.9% | FCFS higher |
| ROA as of 2026-07-25 | +3.1% | +7.0% | FCFS higher |
| Debt / equity as of 2026-07-25 | 2.35 | 0.98 | FCFS lower |
| Revenue growth (YoY) as of 2026-07-25 | +32.1% | +14.4% | AFRM higher |
| Revenue CAGR (3y) SEC XBRL | +33.7% | +10.3% | AFRM higher |
| Dividend yield as of 2026-07-25 | n/a | +0.9% | |
| Dividend streak (yrs) SEC XBRL | n/a | 5 | |
| Beta as of 2026-07-25 | 3.66 | 0.54 | |
| 1-year return as of 2026-07-23 close | +8.5% | +47.9% | FCFS higher |
Fundamentals: Finnhub, as of 2026-07-25. 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.