AFRM vs SOFI
AFRM: Affirm is a leading financial technology platform revolutionizing the payment industry with transparent, consumer-friendly point-of-sale financing and commerce solutions. SOFI: An integrated digital financial services "everything app" offering consumer banking, lending, investment products, and enterprise-grade technology infrastructure.
Side-by-side fundamentals
| Metric | AFRM | SOFI | Edge |
|---|---|---|---|
| Price as of 2026-10-20 close | $73.85 | $14.68 | |
| Market cap | $24.9B | $19.0B | |
| P/E as of 2026-10-20 | 13.35 | 29.96 | AFRM lower |
| Net margin | +45.3% | +77.7% | SOFI higher |
| Operating margin FY2026, SEC XBRL | +9.8% | n/a | |
| ROE | +35.2% | +4.6% | AFRM higher |
| ROA | +12.2% | +1.0% | AFRM higher |
| Debt / equity filed borrowings, leases excl., balance sheet 2026-06-30 | 1.79 | n/a | |
| Revenue growth (YoY) | +32.1% | +23.1% | AFRM higher |
| Revenue CAGR (3y) SEC XBRL | +39.0% | +18.0% | AFRM higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 2.47 | 2.34 | |
| 1-year return as of 2026-10-20 close | +2.5% | -48.8% | AFRM higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.