$65.11
Value $21.8B
AffirmvsMastercard
AFRM and MA stock compared: price, dividend, valuation and results, from SEC filings.
-1.11%
$661.19
Value $598B
Affirm (AFRM) has a market value of $21.8B and Mastercard (MA) $598B. Over the last year, with dividends, AFRM moved -17.5% and MA +18.6%. Dividend yield: AFRM none, MA 0.53%.
At a glance
The main figures of both. A bar only shows which number is larger, not which is better.
Market value
AFRM$21.8B
MA$598B
MA is 27 times AFRM
Revenue, 12 months
AFRM$4.6B
MA$36.3B
MA is 7.9 times AFRM
Net income, 12 months
AFRM$2.0B
MA$17.0B
MA is 8.4 times AFRM
Operating margin
AFRM11.8%
MA58.6%
46.8 points apart
ROIC
AFRM3.2%
MA61.5%
58.3 points apart
P/E
AFRM–
MA35.3
Dividend yield
AFRM0.0%
MA0.5%
0.5 points apart
5-year return
AFRM-56.3%
MA+87.4%
143.7 points apart
A fainter bar means a negative number. The 5-year return includes dividends.
The price over time
Both start at 100 at the beginning of the period, so the lines show how much each changed. With dividends means each dividend buys more shares.
AFRM-56.3%
MA+87.4%
| Period | AFRMWith dividends | MAWith dividends |
|---|---|---|
| 1 year since November 12, 2025 | -17.5%Price -17.5% | +18.6%Price +17.8% |
| 3 years since November 13, 2023 | +184.6%+41.7% a yearPrice +184.6% | +70.7%+19.5% a yearPrice +67.7% |
| 5 years since November 12, 2021 | -56.3%-15.3% a yearPrice -56.3% | +87.4%+13.4% a yearPrice +81.9% |
Each cell: the total return with dividends, its yearly rate, and the price change alone. Before taxes and costs. Past returns do not predict future ones.
Every figure
As on each company's page. A description, not a recommendation: no one figure says which is better.
AFRMAffirmMAMastercard
Valuation
AFRMMA| Price | $65.11 | $661.19 |
|---|---|---|
| Market value | $21.8B | $598B |
| Enterprise value (EV) | $30.0B | $612B |
| P/E | – | 35.3 |
| P/E, 5-year median | – | 36.1 |
| P/B | 3.8 | 88.6 |
| EV/EBIT | 55.5 | 28.8 |
| Free cash flow yield | 3.7% | 2.7% |
Results and growth
AFRMMA| Revenue, 12 months | $4.6B | $36.3B |
|---|---|---|
| Net income, 12 months | $2.0B | $17.0B |
| Free cash flow, 12 months | $817M | $16.1B |
| Earnings per share, 12 months | $5.77 | $19.12 |
| Revenue growth, year on year | 32.2% | 16.4% |
| Revenue growth a year, past | +37.4%over 5 years | +16.5%over 5 years |
| EPS growth a year, past | – | +21.0%over 5 years |
Margins and returns on capital
AFRMMA| Gross margin | – | – |
|---|---|---|
| Operating margin | 11.8% | 58.6% |
| Net margin | 43.9% | 46.7% |
| ROIC | 3.2% | 61.5% |
| ROE | 46.0% | 244.2% |
Balance sheet
AFRMMA| Cash | $2.1B | $10.3B |
|---|---|---|
| Total debt | $10.3B | $23.9B |
| Net debt / EBITDA | 9.7 | 0.6 |
| Interest cover | 1.1× | 26.2× |
Dividends and buybacks
AFRMMA| Dividend yield | – | 0.5% |
|---|---|---|
| Dividend per share, 12 months | – | $3.48 |
| Dividend growth a year, past | – | +13.6%over 5 years |
| Buyback yield | – | 2.0% |
| Shareholder yield | – | 2.5% |
Last 12 months from the latest 10-Q and 10-K. Value, P/E and yields at today's price. A dash means the figure does not exist or did not pass our checks.
Which is bigger, Affirm or Mastercard?
By market value, Mastercard ($598B) is about 27.4 times Affirm ($21.8B), at today's prices.
How did AFRM and MA stock do over the last 5 years?
Since November 12, 2021, AFRM's price moved -56.3% and MA's +81.9%. With dividends: AFRM -56.3% (-15.3% a year), MA +87.4% (+13.4% a year). Past returns do not predict future ones.
Which pays the higher dividend, AFRM or MA?
The dividend yield at today's price is none for Affirm and 0.53% for Mastercard. Over the last twelve months they paid – and $3.48 per share.
Which has the higher profit margins, Affirm or Mastercard?
Over the last twelve months, the net margin was 43.9% for Affirm and 46.7% for Mastercard, and the operating margin 11.8% and 58.6%. Revenue was $4.6B and $36.3B.
Which is the better investment, Affirm or Mastercard?
The page does not answer that and does not suggest buying or selling. It puts the two companies' numbers side by side, from their SEC filings, for you to read and form your own view. The decision depends on your goals and situation.
Other comparisons
With each of the two, and with the largest in its sector.
Related pages
The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.
US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.
Descriptive data from SEC filings and market prices.