COMP <GO>
AFRM vs BAC // NET PROFIT MARGIN
Affirm Holdings Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: AFRM 6
— BAC 6
▲ NET PROFIT MARGIN LEADER: BAC
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
net-margins
4.70%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
net-margins
27.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 2.50% | -3.70 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | 2.10% | +0.27 | AFRM | /fcf-yield <GO> |
| Operating Margin | -7.80% | 32.90% | -40.70 | BAC | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 4.70% | 27.00% | -22.30 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 6.80% | +28.10 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.54 | 0.45 | +1.09 | AFRM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.5 | 27.7 | +22.84 | AFRM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.90 | +0.06 | AFRM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 10.9x | +129.10 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $357.61B | -$332.24B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | BAC REV | AFRM GROSS % | BAC GROSS % | AFRM FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $113.10B | 44.0% | 44.0% | $601.7M | $7.52B |
| FY 2024 | $826.0M | $105.86B | 44.0% | 44.0% | $290.8M | -$13.57B |
| FY 2023 | $626.9M | $102.77B | 44.0% | 44.0% | -$16.0M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
BAC // BETA 0.90