TickerHumSide-by-side comparison
Affirm vs PayPal
As of Nov 11, 2026, P/E is 11.9x for Affirm vs 11.3x for PayPal; revenue growth is 32.7% for Affirm vs 4.4% for PayPal; operating margin is 11.8% for Affirm vs 17.0% for PayPal; net margin is 43.9% for Affirm vs 13.8% for PayPal.
What stands out
- Affirm Holdings is growing revenue faster: 32.7% vs 4.4% for PayPal Holdings.
- PayPal Holdings keeps more of each sale as operating profit: 17.0% margin vs 11.8% for Affirm Holdings.
- PayPal Holdings carries less debt relative to equity: 0.56 vs 1.78 for Affirm Holdings.
Key metrics
| Metric | AFRM | PYPL |
|---|---|---|
| Price | $68.78 | $59.15 |
| Market cap | — | $49.13B |
| P/E | 11.9x (#2) | 11.3x (#1) |
| P/S | — | 1.4x (#1) |
| Revenue growth | 32.7% (#1) | 4.4% (#2) |
| Operating margin | 11.8% (#2) | 17.0% (#1) |
| Net margin | 43.9% (#1) | 13.8% (#2) |
| Debt / equity | 1.78 (#2) | 0.56 (#1) |
| 1-year return | -12.9% (#2) | -12.0% (#1) |
| Research score | 62/100 (#1) | 60/100 (#2) |
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
- PayPal Holdings, Inc. (PYPL) — Credit Services