Affirm Holdings, Inc. vs BREAD FINANCIAL HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where AFRM and BFH diverge most: on debt / equity, AFRM reads 2.35 and BFH reads 0.00; on ev/ebitda, AFRM reads 52.7 and BFH reads 6.0. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | AFRM | BFH |
|---|---|---|
| Price | $71.49 | $107.89 |
| Market cap | $24.9B | $4.1B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | — | +7.2% |
| P/E | 63.8 | 8.4 |
| P/B | 6.58 | 1.23 |
| P/S | 6.27 | 0.99 |
| EV/EBITDA | 52.7 | 6.0 |
| Revenue growth | +32.2% | +4.5% |
| Operating margin | 8.5% | — |
| Net margin | 9.6% | 13.6% |
| Return on equity | 10.1% | 16.9% |
| Return on assets | 2.9% | 2.5% |
| Dividend yield | — | 0.8% |
| Debt / equity | 2.35 | 0.00 |
| Altman Z (solvency) | 1.63 | 0.43 |
| Piotroski F (quality) | 8 / 9 | 8 / 9 |
Each week boothcheck ranks the stocks whose prices are betting on the most. Read the most stretched bets archive →
boothcheck is also on Android. Get the app on Google Play →
The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.