TickerHumSide-by-side comparison
Affirm vs Visa
As of Nov 11, 2026, revenue growth is 32.7% for Affirm vs 14.8% for Visa; operating margin is 11.8% for Affirm vs 61.2% for Visa; net margin is 43.9% for Affirm vs 51.2% for Visa; debt/equity is 1.78 for Affirm vs 0.54 for Visa.
What stands out
- Affirm Holdings is growing revenue faster: 32.7% vs 14.8% for Visa.
- Visa keeps more of each sale as operating profit: 61.2% margin vs 11.8% for Affirm Holdings.
- Visa carries less debt relative to equity: 0.54 vs 1.78 for Affirm Holdings.
- Visa's shares did better over the past year: +25.6% vs -14.1% for Affirm Holdings.
Key metrics
| Metric | AFRM | V |
|---|---|---|
| Price | $67.84 | $425.55 |
| Market cap | — | — |
| P/E | 11.8x (#1) | — |
| P/S | — | — |
| Revenue growth | 32.7% (#1) | 14.8% (#2) |
| Operating margin | 11.8% (#2) | 61.2% (#1) |
| Net margin | 43.9% (#2) | 51.2% (#1) |
| Debt / equity | 1.78 (#2) | 0.54 (#1) |
| 1-year return | -14.1% (#2) | +25.6% (#1) |
| Research score | 61/100 (#2) | 75/100 (#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
- Visa Inc. (V) — Credit Services