AFRM vs OPRT
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. OPRT: Oportun is a digital financial inclusion platform that provides AI-driven personal loans and automated savings solutions to underserved Americans excluded from traditional banking.
Side-by-side fundamentals
| Metric | AFRM | OPRT | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $73.92 | $5.59 | |
| Market cap as of 2026-07-23 | $24.8B | $259M | |
| P/E as of 2026-07-23 | 64.73 | 14.51 | OPRT lower |
| PEG as of 2026-07-23 | 33.52 | n/a | |
| Net margin as of 2026-07-23 | +9.6% | +4.5% | AFRM higher |
| Gross margin as of 2026-07-23 | +92.5% | n/a | |
| Operating margin as of 2026-07-23 | +8.3% | +8.7% | OPRT higher |
| ROE as of 2026-07-23 | +11.2% | +4.6% | AFRM higher |
| ROA as of 2026-07-23 | +3.1% | +0.6% | AFRM higher |
| Debt / equity as of 2026-07-23 | 2.35 | 6.83 | AFRM lower |
| Revenue growth (YoY) as of 2026-07-23 | +32.1% | +22.7% | AFRM higher |
| Revenue CAGR (3y) SEC XBRL | +33.7% | +0.1% | AFRM higher |
| Beta as of 2026-07-23 | 3.65 | 1.23 | |
| 1-year return as of 2026-07-22 close | +11.9% | -12.7% | AFRM higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
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.