Affirm (AFRM) vs Nu (NU)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Nu (NU) has outperformed Affirm (AFRM) over the past year, gaining 3.0% versus a loss of 1.7%. Nu is the larger company by market cap ($75.26 billion vs $25.41 billion), about 3.0 times the size. On valuation, Nu trades at a lower forward P/E (13.8x vs 15.6x for Affirm).
Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 17.1%.
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 | NU |
|---|---|---|
| Share price | $75.31 | $15.58 |
| Market cap | $25.41B | $75.26B |
| 1-day change | +0.57% | -0.51% |
| YTD return | +1.18% | -6.93% |
| 1-year return | -1.75% | +2.97% |
| 5-year return | -48.67% | — |
| P/E ratio (TTM) | 13.54 | 21.34 |
| Forward P/E | 15.60 | 13.79 |
| EPS (TTM) | $5.56 | $0.73 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $4.26B | $11.52B |
| Revenue growth (YoY) | +32.15% | +43.44% |
| Net income (latest FY) | $1.93B | $1.97B |
| Gross margin | — | 45.61% |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 17.12% |
| 52-week high | $90.44 | $18.98 |
| 52-week low | $42.10 | $11.20 |
| Distance from 52-week high | -16.73% | -17.91% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.01% | +20.47% |
| Average volume | 4.22M | 85.63M |
| Shares outstanding | 296.88M | 3.81B |
| Employees | 2,358 | — |
| Sector | Financial Services | Finance |
| Industry | Credit 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
- Nu is about 3.0 times larger than Affirm by market value ($75.26B vs $25.41B).
- Nu trades at a higher earnings multiple (21.3x vs 13.5x trailing P/E).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 17.1 cents for Nu.
- Nu grew revenue faster in its latest fiscal year (+43.44% vs +32.15%).
- The two companies sit in different sectors: Affirm in Financial Services and Nu in Finance.
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 Nu
NU stock →Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Finance · Finance: Consumer Services
AFRM vs NU FAQ
Which is bigger, Affirm or Nu?
Nu (NU) is larger, with a market capitalization of $75.26B compared with $25.41B for Affirm (AFRM).
Which stock has performed better over the past year, AFRM or NU?
NU returned +2.97% 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 NU?
AFRM has the lower trailing P/E at 13.5, versus 21.3 for NU. 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 Nu in the same industry?
No. Affirm is in the Financial Services sector, while Nu is in Finance.