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PYPL vs. AFRM
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between PYPL and AFRM 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.

PYPL vs. AFRM

Last updated May 27, 2025

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

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

Performance

PYPL vs. AFRM - Performance Comparison

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

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Key characteristics

Sharpe Ratio

PYPL:

0.36

AFRM:

0.77

Sortino Ratio

PYPL:

0.59

AFRM:

1.55

Omega Ratio

PYPL:

1.08

AFRM:

1.18

Calmar Ratio

PYPL:

0.11

AFRM:

0.62

Martin Ratio

PYPL:

0.61

AFRM:

2.25

Ulcer Index

PYPL:

14.80%

AFRM:

23.47%

Daily Std Dev

PYPL:

37.35%

AFRM:

87.00%

Max Drawdown

PYPL:

-83.67%

AFRM:

-94.71%

Current Drawdown

PYPL:

-77.36%

AFRM:

-70.75%

Fundamentals

Market Cap

PYPL:

$67.93B

AFRM:

$15.90B

EPS

PYPL:

$4.45

AFRM:

-$0.19

PS Ratio

PYPL:

2.13

AFRM:

5.29

PB Ratio

PYPL:

3.35

AFRM:

5.53

Total Revenue (TTM)

PYPL:

$31.87B

AFRM:

$3.01B

Gross Profit (TTM)

PYPL:

$14.45B

AFRM:

$2.15B

EBITDA (TTM)

PYPL:

$7.05B

AFRM:

$304.17M

Returns By Period

The year-to-date returns for both stocks are quite close, with PYPL having a -18.16% return and AFRM slightly lower at -19.05%.

PYPL

YTD

-18.16%

1M

6.90%

6M

-20.42%

1Y

13.32%

3Y*

-3.88%

5Y*

-14.27%

10Y*

N/A

AFRM

YTD

-19.05%

1M

0.43%

6M

-28.91%

1Y

64.17%

3Y*

33.42%

5Y*

N/A

10Y*

N/A

*Annualized

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PayPal Holdings, Inc.

Affirm Holdings, Inc.

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

PYPL vs. AFRM — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
PYPL
The Risk-Adjusted Performance Rank of PYPL is 5959
Overall Rank
The Sharpe Ratio Rank of PYPL is 6565
Sharpe Ratio Rank
The Sortino Ratio Rank of PYPL is 5454
Sortino Ratio Rank
The Omega Ratio Rank of PYPL is 5555
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
AFRM
The Risk-Adjusted Performance Rank of AFRM is 7676
Overall Rank
The Sharpe Ratio Rank of AFRM is 7878
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 7575
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.

PYPL vs. AFRM - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for PayPal Holdings, Inc. (PYPL) and Affirm Holdings, Inc. (AFRM). 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 PYPL Sharpe Ratio is 0.36, which is lower than the AFRM Sharpe Ratio of 0.77. The chart below compares the historical Sharpe Ratios of PYPL and AFRM, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

PYPL vs. AFRM - Dividend Comparison

Neither PYPL nor AFRM has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

PYPL vs. AFRM - Drawdown Comparison

The maximum PYPL drawdown since its inception was -83.67%, smaller than the maximum AFRM drawdown of -94.71%. Use the drawdown chart below to compare losses from any high point for PYPL and AFRM.

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Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

PYPL vs. AFRM - Volatility Comparison

The current volatility for PayPal Holdings, Inc. (PYPL) is 6.65%, while Affirm Holdings, Inc. (AFRM) has a volatility of 26.91%. This indicates that PYPL experiences smaller price fluctuations and is considered to be less risky than AFRM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Financials

PYPL vs. AFRM - Financials Comparison

This section allows you to compare key financial metrics between PayPal Holdings, Inc. and Affirm 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
7.79B
783.13M
(PYPL) Total Revenue
(AFRM) Total Revenue
Values in USD except per share items

PYPL vs. AFRM - Profitability Comparison

The chart below illustrates the profitability comparison between PayPal Holdings, Inc. and Affirm 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
47.7%
65.4%
(PYPL) Gross Margin
(AFRM) Gross Margin
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 - 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 - 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 - 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 - 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%.

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%.