AFRM vs PYPL
Affirm Holdings, Inc. and PayPal, both Financial Services
PayPal is the larger company at $49B against $24B. On trailing earnings PYPL is the cheaper of the two at a P/E of 10.8 against 12.7, a gap that is only a bargain if the two are growing at similar rates. Over the past year AFRM returned +1.5% against -13% for PYPL.
| Figure | AFRM | PYPL |
|---|---|---|
| Last close | $70.10 | $56.94 |
| Market cap | $24B | $49B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 12.7 | 10.8 |
| Dividend yield | n/a | 0.2% |
| 1-year return | +1.5% | -13% |
| 5-year return | -48% | -77% |
| RyuScoresector-relative, 1–10 | n/a | 85/100 |
Figures from SEC filings and end-of-day closes. Highlighting marks the higher or lower number, which is not the same as the better investment, a low P/E can be a warning and a high one can be deserved.
Affirm Holdings, Inc.
Revenue of $1.2B in Q4 2026, net income $1.6B. Its largest reported line is Merchant Network, 78% of the disclosed total.
PayPal
Revenue of $8.7B in Q2 2026, net income $1.1B. Its largest reported line is United States, 58% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or see the correlation.