AFRM vs SOFI
Affirm Holdings, Inc. and SoFi Technologies, Inc., both Financial Services
Affirm Holdings, Inc. is the larger company at $24B against $19B. On trailing earnings AFRM is the cheaper of the two at a P/E of 12.7 against 29.8, a gap that is only a bargain if the two are growing at similar rates. Over the past year AFRM returned +1.5% against -45% for SOFI.
| Figure | AFRM | SOFI |
|---|---|---|
| Last close | $70.10 | $14.62 |
| Market cap | $24B | $19B |
| Trailing P/Elower is cheaper for the same earnings, not automatically better | 12.7 | 29.8 |
| 1-year return | +1.5% | -45% |
| 5-year return | -48% | -21% |
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.
SoFi Technologies, Inc.
Revenue of $1.2B in Q2 2026, net income $157M. Its largest reported line is Technology Services, 33% of the disclosed total.
Open these two in the interactive comparison to add more names, change the period or see the correlation.