Affirm (AFRM) vs Atlanticus (ATLC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Atlanticus (ATLC) has outperformed Affirm (AFRM) over the past year, gaining 74.8% versus a loss of 1.7%. Over five years, ATLC leads with a +51.9% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $1.44 billion), about 17.7 times the size.
On valuation, Atlanticus trades at a lower forward P/E (7.0x vs 15.6x for Affirm).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | ATLC |
|---|---|---|
| Share price | $75.31 | $94.64 |
| Market cap | $25.41B | $1.44B |
| 1-day change | +0.57% | +1.69% |
| YTD return | +1.18% | +41.36% |
| 1-year return | -1.75% | +74.81% |
| 5-year return | -48.67% | +51.91% |
| P/E ratio (TTM) | 13.62 | 12.27 |
| Forward P/E | 15.60 | 6.96 |
| EPS (TTM) | $5.53 | $7.71 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $4.26B | — |
| Revenue growth (YoY) | +32.15% | — |
| Net income (latest FY) | $1.93B | — |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | — |
| 52-week high | $90.44 | $114.34 |
| 52-week low | $42.10 | $47.50 |
| Distance from 52-week high | -16.73% | -17.23% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +31.01% | +38.00% |
| Average volume | 4.22M | 140.85K |
| Shares outstanding | 296.88M | 15.17M |
| Employees | 2,358 | 576 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm is about 17.7 times larger than Atlanticus by market value ($25.41B vs $1.44B).
- ATLC has outperformed AFRM by 76.6 percentage points over the past year.
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Financial Services · Credit Services · 2,358 employees
About Atlanticus
ATLC stock →Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
Financial Services · Credit Services · 576 employees
AFRM vs ATLC FAQ
Which is bigger, Affirm or Atlanticus?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $1.44B for Atlanticus (ATLC).
Which stock has performed better over the past year, AFRM or ATLC?
ATLC returned +74.81% over the past 12 months, compared with -1.75% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or ATLC?
ATLC has the lower trailing P/E at 12.3, versus 13.6 for AFRM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Affirm and Atlanticus in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.