Stock comparison
Affirm Holdings
Fair Isaac
Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.
AFRM
Affirm Holdings
Market cap
$21.84B
Sector
Technology
FICO
Fair Isaac
Market cap
$28.75B
Sector
Technology
Overall winner
Fair Isaac FICO
Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.
Fit scores by strategy
| Strategy | AFRM | FICO | Winner |
|---|---|---|---|
| Warren Buffett | 45D | 85A | FICO |
| Benjamin Graham | 76D | 88A | FICO |
| Philip Fisher | 64C | 85A | FICO |
| Peter Lynch | 67C | 70B | FICO |
| Joel Greenblatt | 15F | 94C | FICO |
| Charlie Munger | 57D | 91A | FICO |
| Terry Smith | 47D | 95A | FICO |
Side-by-side metrics
| Metric | AFRM | FICO |
|---|---|---|
| Market cap | $21.84B | $28.75B |
| P/E (TTM) | 58.0x | 33.8x |
| EV/EBIT | - | 30.9x |
| ROIC (TTM) | 10.85% | 53.2% |
| Gross margin | 67.71% | 84.16% |
| Net margin | 9.63% | 33.67% |
| Revenue CAGR 5y | 38.73% | 10.89% |
| EPS CAGR 5y | 1.0% | 18.48% |
| Debt / Equity | 2.4x | - |
| Dividend yield | 0.0% | 0.0% |
Where each one wins
The metrics with the biggest gap between the two - sorted so the most decisive edges read first.
AFRM leads on
- EV/EBIT-vs 30.9x+109%
- Revenue CAGR 5y38.73%vs 10.89%+72%
FICO leads on
- Debt / Equity-vs 2.4x+174%
- EPS CAGR 5y18.48%vs 1.0%+95%
- ROIC (TTM)53.2%vs 10.85%+80%
- Net margin33.67%vs 9.63%+71%
Related on invest-like
Key terms in this analysis
Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.