Affirm Holdings, Inc. vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
TransUnion earns 14.3% on equity and 5.9% on assets selling credit data; Affirm earns 10.1% and 2.9% making the loans that data helps price, and the bureau's cleaner, risk-free returns come at a lower multiple, 19.5 times against Affirm's 71. TransUnion nets 14.9% of revenue to Affirm's 9.6%, carries 1.14 turns of debt against 2.35, and pays a 0.65% dividend. The pair prices a credit bureau against a lender, the scorer against the scored: TransUnion sells the risk assessment, Affirm takes the risk, and the market pays a heavy premium for the risk-taker's growth while the data business earns more per dollar with none of the loan losses.
Comparison updated 2026-07-11.
| Metric | AFRM | TRU |
|---|---|---|
| Price | $79.46 | $70.34 |
| Market cap | $27.7B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | — | +23.5% |
| P/E | 71.0 | 19.5 |
| P/B | 7.31 | 2.78 |
| P/S | 6.96 | 2.89 |
| EV/EBITDA | 57.2 | 12.9 |
| Revenue growth | +32.2% | +11.0% |
| Operating margin | 8.5% | 19.6% |
| Net margin | 9.6% | 14.9% |
| Return on equity | 10.1% | 14.3% |
| Return on assets | 2.9% | 5.8% |
| Dividend yield | — | 0.7% |
| Debt / equity | 2.35 | 1.14 |
| Current ratio | — | 1.93 |
| Altman Z (solvency) | 1.81 | 2.07 |
| Piotroski F (quality) | 8 / 9 | 5 / 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.