Affirm (AFRM) vs Equifax (EFX)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Affirm (AFRM) has outperformed Equifax (EFX) over the past year, losing 1.7% versus a loss of 40.2%. Over five years, EFX leads with a -46.0% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $16.73 billion), about 1.5 times the size.
On valuation, Equifax trades at a lower forward P/E (14.1x vs 15.6x for Affirm). Equifax pays a dividend yielding 1.49%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 10.9%.
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 | EFX |
|---|---|---|
| Share price | $75.31 | $142.43 |
| Market cap | $25.41B | $16.73B |
| 1-day change | +0.57% | -0.04% |
| YTD return | +1.18% | -34.36% |
| 1-year return | -1.75% | -40.15% |
| 5-year return | -48.67% | -46.04% |
| P/E ratio (TTM) | 13.62 | 25.08 |
| Forward P/E | 15.60 | 14.07 |
| EPS (TTM) | $5.53 | $5.68 |
| Dividend yield | 0.00% | 1.49% |
| Annual dividend | $0.00 | $2.12 |
| Revenue (latest FY) | $4.26B | $6.07B |
| Revenue growth (YoY) | +32.15% | +6.92% |
| Net income (latest FY) | $1.93B | $660.30M |
| Gross margin | — | 56.45% |
| Operating margin | 9.79% | 18.03% |
| Net margin | 45.29% | 10.87% |
| 52-week high | $90.44 | $244.37 |
| 52-week low | $42.10 | $137.01 |
| Distance from 52-week high | -16.73% | -41.72% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +43.16% |
| Average volume | 4.22M | 1.60M |
| Shares outstanding | 296.88M | 117.48M |
| Employees | 2,358 | 15,000 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer 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
- AFRM has outperformed EFX by 38.4 percentage points over the past year.
- Equifax trades at a higher earnings multiple (25.1x vs 13.6x trailing P/E).
- Equifax offers a meaningfully higher dividend yield (1.49% vs 0.00%).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 10.9 cents for Equifax.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +6.92%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Finance · Finance: Consumer Services · 2,358 employees
About Equifax
EFX stock →Equifax Inc. operates as a data, analytics, and technology company.
Finance · Finance: Consumer Services · 15,000 employees
AFRM vs EFX FAQ
Which is bigger, Affirm or Equifax?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $16.73B for Equifax (EFX).
Which stock has performed better over the past year, AFRM or EFX?
AFRM returned -1.75% over the past 12 months, compared with -40.15% for EFX (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or EFX?
AFRM has the lower trailing P/E at 13.6, versus 25.1 for EFX. 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 Equifax?
Equifax pays a dividend yielding 1.49%, while Affirm does not currently pay a regular dividend.
Are Affirm and Equifax in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.