Affirm (AFRM) vs FirstCash (FCFS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
FirstCash (FCFS) has outperformed Affirm (AFRM) over the past year, gaining 38.4% versus a gain of 4.2%. Over five years, FCFS leads with a +146.9% price change compared with -47.4% for AFRM. Affirm is the larger company by market cap ($27.23 billion vs $9.27 billion), about 2.9 times the size.
On valuation, FirstCash trades at a lower forward P/E (16.5x vs 16.7x for Affirm). FirstCash pays a dividend yielding 0.79%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 9.0%.
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 | FCFS |
|---|---|---|
| Share price | $80.70 | $213.70 |
| Market cap | $27.23B | $9.27B |
| 1-day change | +4.60% | +1.04% |
| YTD return | +8.42% | +34.08% |
| 1-year return | +4.18% | +38.40% |
| 5-year return | -47.42% | +146.91% |
| P/E ratio (TTM) | 13.96 | 24.31 |
| Forward P/E | 16.72 | 16.46 |
| EPS (TTM) | $5.78 | $8.79 |
| Dividend yield | 0.00% | 0.79% |
| Annual dividend | $0.00 | $1.68 |
| Revenue (latest FY) | $4.26B | $3.66B |
| Revenue growth (YoY) | +32.15% | +8.04% |
| Net income (latest FY) | $1.93B | $330.38M |
| Gross margin | — | 50.28% |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 9.02% |
| 52-week high | $90.44 | $238.93 |
| 52-week low | $42.10 | $146.77 |
| Distance from 52-week high | -10.77% | -10.56% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +22.26% | +16.87% |
| Average volume | 4.23M | 414.68K |
| Shares outstanding | 296.88M | 43.37M |
| Employees | 2,358 | — |
| Sector | Finance | Consumer Discretionary |
| Industry | Finance: Consumer Services | Other Specialty Stores |
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 2.9 times larger than FirstCash by market value ($27.23B vs $9.27B).
- FCFS has outperformed AFRM by 34.2 percentage points over the past year.
- FirstCash trades at a higher earnings multiple (24.3x vs 14.0x trailing P/E).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 9.0 cents for FirstCash.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +8.04%).
- The two companies sit in different sectors: Affirm in Finance and FirstCash in Consumer Discretionary.
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 FirstCash
FCFS stock →FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S.
Consumer Discretionary · Other Specialty Stores
AFRM vs FCFS FAQ
Which is bigger, Affirm or FirstCash?
Affirm (AFRM) is larger, with a market capitalization of $27.23B compared with $9.27B for FirstCash (FCFS).
Which stock has performed better over the past year, AFRM or FCFS?
FCFS returned +38.40% over the past 12 months, compared with +4.18% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or FCFS?
AFRM has the lower trailing P/E at 14.0, versus 24.3 for FCFS. 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 FirstCash?
FirstCash pays a dividend yielding 0.79%, while Affirm does not currently pay a regular dividend.
Are Affirm and FirstCash in the same industry?
No. Affirm is in the Finance sector, while FirstCash is in Consumer Discretionary.