Affirm (AFRM) vs Capital One Financial (COF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Affirm (AFRM) has outperformed Capital One Financial (COF) over the past year, losing 1.7% versus a loss of 8.3%. Over five years, COF leads with a +16.3% price change compared with -48.7% for AFRM. Capital One Financial is the larger company by market cap ($120.19 billion vs $25.41 billion), about 4.7 times the size.
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 15.6x for Affirm). Capital One Financial pays a dividend yielding 1.53%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 4.6%.
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 | COF |
|---|---|---|
| Share price | $75.31 | $195.91 |
| Market cap | $25.41B | $120.19B |
| 1-day change | +0.57% | +0.05% |
| YTD return | +1.18% | -19.17% |
| 1-year return | -1.75% | -8.32% |
| 5-year return | -48.67% | +16.35% |
| P/E ratio (TTM) | 13.54 | 12.58 |
| Forward P/E | 15.60 | 8.24 |
| EPS (TTM) | $5.56 | $15.57 |
| Dividend yield | 0.00% | 1.53% |
| Annual dividend | $0.00 | $3.00 |
| Revenue (latest FY) | $4.26B | $53.43B |
| Revenue growth (YoY) | +32.15% | +36.62% |
| Net income (latest FY) | $1.93B | $2.45B |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 4.59% |
| 52-week high | $90.44 | $259.64 |
| 52-week low | $42.10 | $174.24 |
| Distance from 52-week high | -16.73% | -24.55% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +31.28% |
| Average volume | 4.22M | 3.63M |
| Shares outstanding | 296.88M | 613.48M |
| Employees | 2,358 | 78,400 |
| 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
- Capital One Financial is about 4.7 times larger than Affirm by market value ($120.19B vs $25.41B).
- Capital One Financial offers a meaningfully higher dividend yield (1.53% vs 0.00%).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 4.6 cents for Capital One Financial.
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 Capital One Financial
COF stock →Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking.
Financial Services · Credit Services · 78,400 employees
AFRM vs COF FAQ
Which is bigger, Affirm or Capital One Financial?
Capital One Financial (COF) is larger, with a market capitalization of $120.19B compared with $25.41B for Affirm (AFRM).
Which stock has performed better over the past year, AFRM or COF?
AFRM returned -1.75% over the past 12 months, compared with -8.32% for COF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or COF?
COF has the lower trailing P/E at 12.6, versus 13.5 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.
Which pays a higher dividend, Affirm or Capital One Financial?
Capital One Financial pays a dividend yielding 1.53%, while Affirm does not currently pay a regular dividend.
Are Affirm and Capital One Financial in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.