Affirm (AFRM) vs Visa (V)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Visa (V) has outperformed Affirm (AFRM) over the past year, gaining 6.1% versus a loss of 1.8%. Over five years, V leads with a +61.9% price change compared with -48.7% for AFRM. Visa is the larger company by market cap ($698.41 billion vs $25.41 billion), about 27.5 times the size, while Affirm is growing revenue faster (+32.2% vs +11.3%).
On valuation, Affirm trades at a lower forward P/E (15.6x vs 24.8x for Visa). Visa pays a dividend yielding 0.72%, while Affirm does not currently pay one. Visa converts more of its revenue into profit, with a net margin of 50.1% versus 45.3%.
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 | V |
|---|---|---|
| Share price | $75.31 | $372.02 |
| Market cap | $25.41B | $698.41B |
| 1-day change | +0.57% | +0.37% |
| YTD return | +1.14% | +6.64% |
| 1-year return | -1.79% | +6.12% |
| 5-year return | -48.69% | +61.90% |
| P/E ratio (TTM) | 13.62 | 31.66 |
| Forward P/E | 15.60 | 24.79 |
| EPS (TTM) | $5.53 | $11.75 |
| Dividend yield | 0.00% | 0.72% |
| Annual dividend | $0.00 | $2.68 |
| Revenue (latest FY) | $4.26B | $40.00B |
| Revenue growth (YoY) | +32.15% | +11.34% |
| Net income (latest FY) | $1.93B | $20.06B |
| Operating margin | 9.79% | 59.98% |
| Net margin | 45.29% | 50.14% |
| 52-week high | $90.44 | $385.57 |
| 52-week low | $42.10 | $293.89 |
| Distance from 52-week high | -16.73% | -3.51% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +31.01% | +12.73% |
| Average volume | 4.22M | 6.61M |
| Shares outstanding | 296.88M | 1.70B |
| Employees | 2,358 | 34,100 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit 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
- Visa is about 27.5 times larger than Affirm by market value ($698.41B vs $25.41B).
- Visa trades at a higher earnings multiple (31.7x vs 13.6x trailing P/E).
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +11.34%).
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 Visa
V stock →Visa Inc. operates as a payment technology company in the United States and internationally.
Financial Services · Credit Services · 34,100 employees
AFRM vs V FAQ
Which is bigger, Affirm or Visa?
Visa (V) is larger, with a market capitalization of $698.41B compared with $25.41B for Affirm (AFRM).
Which stock has performed better over the past year, AFRM or V?
V returned +6.12% over the past 12 months, compared with -1.79% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or V?
AFRM has the lower trailing P/E at 13.6, versus 31.7 for V. 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 Visa?
Visa pays a dividend yielding 0.72%, while Affirm does not currently pay a regular dividend.
Are Affirm and Visa in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.