Affirm Holdings, Inc. vs MOODY'S CORPORATION, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where AFRM and MCO diverge most: on return on equity, AFRM reads 8.2% and MCO reads 88.3%; on return on assets, AFRM reads 2.8% and MCO reads 19.1%. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | AFRM | MCO |
|---|---|---|
| Price | $80.69 | $464.31 |
| Market cap | $28.1B | $81.0B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | — | +21.7% |
| P/E | 14.6 | 29.5 |
| P/B | 5.12 | 25.59 |
| P/S | 6.59 | 9.93 |
| EV/EBITDA | 50.4 | 20.8 |
| Revenue growth | +32.2% | +11.7% |
| Operating margin | 12.6% | 47.9% |
| Net margin | 10.5% | 34.3% |
| Return on equity | 8.2% | 88.3% |
| Return on assets | 2.8% | 19.1% |
| Dividend yield | — | 0.8% |
| Debt / equity | 1.79 | 2.19 |
| Current ratio | — | 1.19 |
| Altman Z (solvency) | 1.84 | 6.88 |
| Piotroski F (quality) | 7 / 9 | 6 / 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.