Affirm (AFRM) vs S&P Global (SPGI)
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 S&P Global (SPGI) over the past year, losing 1.7% versus a loss of 13.2%. Over five years, SPGI leads with a -5.9% price change compared with -48.7% for AFRM. S&P Global is the larger company by market cap ($116.50 billion vs $25.41 billion), about 4.6 times the size, while Affirm is growing revenue faster (+32.2% vs +7.9%).
On valuation, Affirm trades at a lower forward P/E (15.6x vs 19.6x for S&P Global). S&P Global pays a dividend yielding 0.98%, while Affirm does not currently pay one. Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 29.2%.
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 | SPGI |
|---|---|---|
| Share price | $75.31 | $395.18 |
| Market cap | $25.41B | $116.50B |
| 1-day change | +0.57% | -0.24% |
| YTD return | +1.18% | -20.07% |
| 1-year return | -1.75% | -13.20% |
| 5-year return | -48.67% | -5.91% |
| P/E ratio (TTM) | 13.62 | 24.05 |
| Forward P/E | 15.60 | 19.58 |
| EPS (TTM) | $5.53 | $16.43 |
| Dividend yield | 0.00% | 0.98% |
| Annual dividend | $0.00 | $3.86 |
| Revenue (latest FY) | $4.26B | $15.34B |
| Revenue growth (YoY) | +32.15% | +7.94% |
| Net income (latest FY) | $1.93B | $4.47B |
| Gross margin | — | 70.25% |
| Operating margin | 9.79% | 42.24% |
| Net margin | 45.29% | 29.15% |
| 52-week high | $90.44 | $522.47 |
| 52-week low | $42.10 | $361.03 |
| Distance from 52-week high | -16.73% | -24.36% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +31.01% | +31.21% |
| Average volume | 4.22M | 1.91M |
| Shares outstanding | 296.88M | 294.80M |
| Employees | 2,358 | 44,500 |
| 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
- S&P Global is about 4.6 times larger than Affirm by market value ($116.50B vs $25.41B).
- AFRM has outperformed SPGI by 11.5 percentage points over the past year.
- S&P Global trades at a higher earnings multiple (24.1x vs 13.6x trailing P/E).
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 29.2 cents for S&P Global.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +7.94%).
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 S&P Global
SPGI stock →S&P Global Inc., together with its subsidiaries, provides benchmarks, data, analytics, and workflow solutions in the global capital, energy and commodity, and automotive markets. It operates through four segments: S&P Global Market Intelligence, S&P Global Ratings, S&P Global Energy, and S&P Dow Jones Indices.
Finance · Finance: Consumer Services · 44,500 employees
AFRM vs SPGI FAQ
Which is bigger, Affirm or S&P Global?
S&P Global (SPGI) is larger, with a market capitalization of $116.50B compared with $25.41B for Affirm (AFRM).
Which stock has performed better over the past year, AFRM or SPGI?
AFRM returned -1.75% over the past 12 months, compared with -13.20% for SPGI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or SPGI?
AFRM has the lower trailing P/E at 13.6, versus 24.1 for SPGI. 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 S&P Global?
S&P Global pays a dividend yielding 0.98%, while Affirm does not currently pay a regular dividend.
Are Affirm and S&P Global in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.