Affirm (AFRM) vs Moody's (MCO)
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 Moody's (MCO) over the past year, losing 1.7% versus a loss of 7.9%. Over five years, MCO leads with a +21.1% price change compared with -48.7% for AFRM. Moody's is the larger company by market cap ($77.87 billion vs $25.41 billion), about 3.1 times the size, while Affirm is growing revenue faster (+32.2% vs +8.9%).
On valuation, Affirm trades at a lower forward P/E (15.6x vs 23.8x for Moody's). Moody's pays a dividend yielding 0.88%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 31.9%.
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 | MCO |
|---|---|---|
| Share price | $75.31 | $449.63 |
| Market cap | $25.41B | $77.87B |
| 1-day change | +0.57% | -0.59% |
| YTD return | +1.18% | -11.98% |
| 1-year return | -1.75% | -7.94% |
| 5-year return | -48.67% | +21.14% |
| P/E ratio (TTM) | 13.62 | 28.53 |
| Forward P/E | 15.60 | 23.75 |
| EPS (TTM) | $5.53 | $15.76 |
| Dividend yield | 0.00% | 0.88% |
| Annual dividend | $0.00 | $3.94 |
| Revenue (latest FY) | $4.26B | $7.72B |
| Revenue growth (YoY) | +32.15% | +8.89% |
| Net income (latest FY) | $1.93B | $2.46B |
| Gross margin | — | 74.44% |
| Operating margin | 9.79% | 43.42% |
| Net margin | 45.29% | 31.86% |
| 52-week high | $90.44 | $546.88 |
| 52-week low | $42.10 | $402.28 |
| Distance from 52-week high | -16.73% | -17.78% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +24.52% |
| Average volume | 4.20M | 792.75K |
| Shares outstanding | 296.88M | 173.18M |
| Employees | 2,358 | 16,000 |
| 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
- Moody's is about 3.1 times larger than Affirm by market value ($77.87B vs $25.41B).
- Moody's trades at a higher earnings multiple (28.5x vs 13.6x trailing P/E).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 31.9 cents for Moody's.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +8.89%).
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 Moody's
MCO stock →Moody's Corporation, together with its subsidiaries, operates as an integrated risk assessment firm in the United States, the rest of the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Moody's Analytics (MA) and Moody's Investors Service (MIS).
Finance · Finance: Consumer Services · 16,000 employees
AFRM vs MCO FAQ
Which is bigger, Affirm or Moody's?
Moody's (MCO) is larger, with a market capitalization of $77.87B compared with $25.41B for Affirm (AFRM).
Which stock has performed better over the past year, AFRM or MCO?
AFRM returned -1.75% over the past 12 months, compared with -7.94% for MCO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or MCO?
AFRM has the lower trailing P/E at 13.6, versus 28.5 for MCO. 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 Moody's?
Moody's pays a dividend yielding 0.88%, while Affirm does not currently pay a regular dividend.
Are Affirm and Moody's in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.