Affirm Holdings, Inc. vs EQUIFAX INC, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither company's growth prints here, but the multiples price their trajectories high: Affirm at 71 times earnings for BNPL expansion, Equifax at 27.9 for credit-bureau data compounding. The businesses barely touch, one a balance-sheet lender, the other a data-and-analytics toll on the credit system itself. Equifax earns the cleaner returns, 15.3% on equity and 5.9% on assets against Affirm's 10.1% and 2.9%, and carries 1.16 turns of debt against Affirm's 2.35. Equifax pays a 1.2% dividend; Affirm none. The pair prices a lender against the infrastructure that scores its borrowers; Affirm takes credit risk, Equifax sells the data to price it, and the market pays a heavy premium for the risk-taker's growth.
Comparison updated 2026-07-11.
| Metric | AFRM | EFX |
|---|---|---|
| Price | $79.46 | $158.41 |
| Market cap | $27.7B | $19.1B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | — | +18.1% |
| P/E | 71.0 | 27.9 |
| P/B | 7.31 | 4.19 |
| P/S | 6.96 | 3.05 |
| EV/EBITDA | 57.2 | 12.9 |
| Revenue growth | +32.2% | +9.6% |
| Operating margin | 8.5% | 17.4% |
| Net margin | 9.6% | 11.1% |
| Return on equity | 10.1% | 15.3% |
| Return on assets | 2.9% | 5.8% |
| Dividend yield | — | 1.2% |
| Debt / equity | 2.35 | 1.16 |
| Current ratio | — | 0.61 |
| Altman Z (solvency) | 1.81 | 2.86 |
| Piotroski F (quality) | 8 / 9 | 8 / 9 |
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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.