Affirm Holdings, Inc. vs PayPal Holdings, Inc. — Stock Comparison
Affirm Holdings, Inc. (AFRM) and PayPal Holdings, Inc. (PYPL) are both listed on US exchanges. This page compares their Q·Score ratings, key fundamentals (P/E, margins, growth), and Wall Street analyst consensus side by side. Data sourced from Yahoo Finance and updated on each page load.
Affirm Holdings, Inc. and PayPal Holdings, Inc. are evenly matched on Q·Score (6.7/10 each). PayPal Holdings, Inc. scores higher on Quality, reflecting stronger profitability and returns. Analyst consensus targets imply greater upside for AFRM (+17.6%) than for PYPL (-4.0%).
Price Performance
Normalised to 100 at period start — shows relative performance.
Q·Score Breakdown
Earnings growing 3529% year-over-year on 33% revenue growth.
⚠ balance sheet warrants attention.
High-quality business with 24% return on equity and 14% profit margins.
⚠ cautious analyst consensus — few Buy ratings.
Analyst Consensus
Fundamentals
Frequently Asked Questions
AFRM vs PYPL: which stock scores better overall?
Based on Q·Score, Affirm Holdings, Inc. (AFRM) scores 6.7/10 versus PayPal Holdings, Inc. (PYPL) at 6.7/10. The Q·Score measures five dimensions: Quality, Health, Growth, Valuation, and Sentiment. For informational purposes only — not financial advice.
Which has better revenue growth: AFRM or PYPL?
Affirm Holdings, Inc. (AFRM) scores higher on Growth (8/10 vs 5/10). Affirm Holdings, Inc. reports revenue growth (32.6% YoY) while PayPal Holdings, Inc. reports (4.8% YoY). Growth scores reflect revenue and earnings momentum relative to sector peers.
Is AFRM or PYPL more attractively valued?
PayPal Holdings, Inc. (PYPL) scores higher on Valuation (7/10 vs 6.2/10). AFRM trades at 21.0× P/E versus PYPL at 10.7×. Valuation is assessed using P/E ratio, analyst price targets, and 52-week range positioning relative to sector peers.
What do analysts say about AFRM vs PYPL?
There are 30 analysts covering AFRM with a consensus price target of $91.64, and 33 analysts covering PYPL with a consensus target of $59.77. Analyst consensus ratings are aggregated from Wall Street research and do not constitute investment advice.
Which is more profitable: AFRM or PYPL?
PayPal Holdings, Inc. (PYPL) scores higher on Quality (10/10 vs 7.4/10). Net profit margin: AFRM at 9.6%, PYPL at 14.4%. Quality scores reflect profit margins, return on equity, and free cash flow generation.
Which has stronger financial health: AFRM or PYPL?
PayPal Holdings, Inc. (PYPL) scores higher on Financial Health (5.5/10 vs 4.5/10). Market beta: AFRM at 3.62, PYPL at 1.30. Health scores consider beta, debt-to-equity, and current ratio. All investments carry risk — this is not investment advice.
What are the market caps of AFRM and PYPL?
Affirm Holdings, Inc. (AFRM) has a market capitalisation of $26.1B, while PayPal Holdings, Inc. (PYPL) has a market cap of $53.3B. Market cap data is sourced from Yahoo Finance and reflects the most recent available figures.
Do AFRM or PYPL pay dividends?
AFRM does not currently pay a dividend, while PYPL pays a dividend yield of 0.90%. Dividend yields fluctuate with share price and company payout decisions.
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Q·Score is an educational tool and is not financial advice. Data provided by Yahoo Finance. Updated on each page load. How it's calculated →