AFRM vs SOFI
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. 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 2026-08-07 close | $75.25 | $18.38 | |
| Market cap as of 2026-08-09 | $25.2B | $23.7B | |
| P/E as of 2026-08-09 | 65.90 | 40.87 | SOFI lower |
| PEG as of 2026-08-09 | 34.18 | 0.96 | SOFI lower |
| Net margin as of 2026-08-09 | +9.6% | -19.8% | AFRM higher |
| Gross margin as of 2026-08-09 | +92.5% | n/a | |
| Operating margin as of 2026-08-09 | +8.3% | -19.9% | AFRM higher |
| ROE as of 2026-08-09 | +11.2% | +6.3% | AFRM higher |
| ROA as of 2026-08-09 | +3.1% | +1.2% | AFRM higher |
| Debt / equity as of 2026-08-09 | 2.35 | 0.17 | SOFI lower |
| Revenue growth (YoY) as of 2026-08-09 | +32.1% | n/a | |
| Revenue CAGR (3y) SEC XBRL | +33.7% | +18.0% | AFRM higher |
| Dividend yield | n/a | n/a | |
| Dividend streak (yrs) SEC XBRL | n/a | 0 | |
| Beta as of 2026-08-09 | 3.85 | 2.35 | |
| 1-year return as of 2026-08-07 close | -4.7% | -16.8% | AFRM higher |
Fundamentals: market data, as of 2026-08-09. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-07.
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.