PortfoliosLab logo
PortfoliosLab logo
Tools
Portfolios
Screeners
Discussions
AFRM vs. PYPL
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

AFRM vs. PYPL

Last updated May 18, 2025

Compare and contrast key facts about Affirm Holdings, Inc. (AFRM) and PayPal Holdings, Inc. (PYPL).

Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: AFRM or PYPL.

Correlation

The correlation between AFRM and PYPL is 0.63, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Performance

AFRM vs. PYPL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Affirm Holdings, Inc. (AFRM) and PayPal Holdings, Inc. (PYPL). The values are adjusted to include any dividend payments, if applicable.

Loading data...

Key characteristics

Sharpe Ratio

AFRM:

0.78

PYPL:

0.34

Sortino Ratio

AFRM:

1.62

PYPL:

0.68

Omega Ratio

AFRM:

1.19

PYPL:

1.09

Calmar Ratio

AFRM:

0.67

PYPL:

0.14

Martin Ratio

AFRM:

2.49

PYPL:

0.81

Ulcer Index

AFRM:

22.97%

PYPL:

14.49%

Daily Std Dev

AFRM:

87.31%

PYPL:

37.40%

Max Drawdown

AFRM:

-94.71%

PYPL:

-83.67%

Current Drawdown

AFRM:

-68.80%

PYPL:

-76.61%

Fundamentals

Market Cap

AFRM:

$16.96B

PYPL:

$70.20B

EPS

AFRM:

-$0.19

PYPL:

$4.45

PS Ratio

AFRM:

5.64

PYPL:

2.20

PB Ratio

AFRM:

5.90

PYPL:

3.47

Total Revenue (TTM)

AFRM:

$3.01B

PYPL:

$31.87B

Gross Profit (TTM)

AFRM:

$2.15B

PYPL:

$14.45B

EBITDA (TTM)

AFRM:

$304.17M

PYPL:

$7.05B

Returns By Period

In the year-to-date period, AFRM achieves a -13.68% return, which is significantly higher than PYPL's -15.43% return.

AFRM

YTD

-13.68%

1M

24.87%

6M

-6.38%

1Y

55.39%

5Y*

N/A

10Y*

N/A

PYPL

YTD

-15.43%

1M

18.33%

6M

-15.90%

1Y

11.94%

5Y*

-13.21%

10Y*

N/A

*Annualized

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

Risk-Adjusted Performance

AFRM vs. PYPL — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
AFRM
The Risk-Adjusted Performance Rank of AFRM is 7777
Overall Rank
The Sharpe Ratio Rank of AFRM is 7979
Sharpe Ratio Rank
The Sortino Ratio Rank of AFRM is 7979
Sortino Ratio Rank
The Omega Ratio Rank of AFRM is 7474
Omega Ratio Rank
The Calmar Ratio Rank of AFRM is 7676
Calmar Ratio Rank
The Martin Ratio Rank of AFRM is 7676
Martin Ratio Rank
PYPL
The Risk-Adjusted Performance Rank of PYPL is 6060
Overall Rank
The Sharpe Ratio Rank of PYPL is 6565
Sharpe Ratio Rank
The Sortino Ratio Rank of PYPL is 5757
Sortino Ratio Rank
The Omega Ratio Rank of PYPL is 5656
Omega Ratio Rank
The Calmar Ratio Rank of PYPL is 5858
Calmar Ratio Rank
The Martin Ratio Rank of PYPL is 6161
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

AFRM vs. PYPL - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for Affirm Holdings, Inc. (AFRM) and PayPal Holdings, Inc. (PYPL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

The current AFRM Sharpe Ratio is 0.78, which is higher than the PYPL Sharpe Ratio of 0.34. The chart below compares the historical Sharpe Ratios of AFRM and PYPL, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Loading data...

Dividends

AFRM vs. PYPL - Dividend Comparison

Neither AFRM nor PYPL has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

AFRM vs. PYPL - Drawdown Comparison

The maximum AFRM drawdown since its inception was -94.71%, which is greater than PYPL's maximum drawdown of -83.67%. Use the drawdown chart below to compare losses from any high point for AFRM and PYPL. For additional features, visit the drawdowns tool.

Loading data...

Volatility

AFRM vs. PYPL - Volatility Comparison

Affirm Holdings, Inc. (AFRM) has a higher volatility of 27.74% compared to PayPal Holdings, Inc. (PYPL) at 6.84%. This indicates that AFRM's price experiences larger fluctuations and is considered to be riskier than PYPL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Loading data...

Financials

AFRM vs. PYPL - Financials Comparison

This section allows you to compare key financial metrics between Affirm Holdings, Inc. and PayPal Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.

Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities

0.002.00B4.00B6.00B8.00B20212022202320242025
783.13M
7.79B
(AFRM) Total Revenue
(PYPL) Total Revenue
Values in USD except per share items

AFRM vs. PYPL - Profitability Comparison

The chart below illustrates the profitability comparison between Affirm Holdings, Inc. and PayPal Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.
Gross Margin
Operating Margin
Net Margin
Quarterly
Annual
40.0%50.0%60.0%70.0%80.0%90.0%20212022202320242025
65.4%
47.7%
(AFRM) Gross Margin
(PYPL) Gross Margin
AFRM - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Affirm Holdings, Inc. reported a gross profit of 512.12M and revenue of 783.13M. Therefore, the gross margin over that period was 65.4%.

PYPL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, PayPal Holdings, Inc. reported a gross profit of 3.72B and revenue of 7.79B. Therefore, the gross margin over that period was 47.7%.

AFRM - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Affirm Holdings, Inc. reported an operating income of -8.39M and revenue of 783.13M, resulting in an operating margin of -1.1%.

PYPL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, PayPal Holdings, Inc. reported an operating income of 1.53B and revenue of 7.79B, resulting in an operating margin of 19.6%.

AFRM - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Affirm Holdings, Inc. reported a net income of 2.80M and revenue of 783.13M, resulting in a net margin of 0.4%.

PYPL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, PayPal Holdings, Inc. reported a net income of 1.29B and revenue of 7.79B, resulting in a net margin of 16.5%.