TickerHumSide-by-side comparison
Affirm vs Mastercard
As of Nov 11, 2026, P/E is 11.8x for Affirm vs 34.4x for Mastercard; revenue growth is 32.7% for Affirm vs 15.3% for Mastercard; operating margin is 11.8% for Affirm vs 58.6% for Mastercard; net margin is 43.9% for Affirm vs 46.7% for Mastercard.
What stands out
- Affirm Holdings is growing revenue faster: 32.7% vs 15.3% for Mastercard.
- Affirm Holdings is cheaper on earnings: 11.8x P/E vs 34.4x for Mastercard.
- Mastercard keeps more of each sale as operating profit: 58.6% margin vs 11.8% for Affirm Holdings.
- Affirm Holdings carries less debt relative to equity: 1.78 vs 3.29 for Mastercard.
Key metrics
| Metric | AFRM | MA |
|---|---|---|
| Price | $67.84 | $657.82 |
| Market cap | — | — |
| P/E | 11.8x (#1) | 34.4x (#2) |
| P/S | — | — |
| Revenue growth | 32.7% (#1) | 15.3% (#2) |
| Operating margin | 11.8% (#2) | 58.6% (#1) |
| Net margin | 43.9% (#2) | 46.7% (#1) |
| Debt / equity | 1.78 (#1) | 3.29 (#2) |
| 1-year return | -14.1% (#2) | +17.2% (#1) |
| Research score | 61/100 (#2) | 66/100 (#1) |
Higher is better for growth, margins, one-year return and overall score; lower is better for valuation and debt ratios. Ties share a rank and missing values are excluded.
Company research
- Affirm Holdings, Inc. (AFRM) — Credit Services
- Mastercard Incorporated (MA) — Credit Services