COMP <GO>
AFRM vs JPM // 10Y YIELD & FRED MACRO BETA
Affirm Holdings Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: AFRM 5
— JPM 8
▲ 10Y YIELD & FRED MACRO BETA LEADER: JPM
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
macro-sensitivity
0.96
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
macro-sensitivity
1.00
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 17.37% | -18.57 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | -18.14% | +20.51 | AFRM | /fcf-yield <GO> |
| Operating Margin | -7.80% | 42.07% | -49.87 | JPM | /operating-margins <GO> |
| Net Profit Margin | 4.70% | 32.63% | -27.93 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 13.53% | +21.37 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.54 | 0.37 | +1.17 | AFRM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 2/9 | +6.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 4.84% | +1.96 | JPM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.5 | 49.0 | +1.46 | AFRM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.96 | 1.00 | -0.04 | JPM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 13.6x | +126.43 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $895.92B | -$870.55B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | JPM REV | AFRM GROSS % | JPM GROSS % | AFRM FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $182.45B | 44.0% | — | $601.7M | -$147.78B |
| FY 2024 | $826.0M | $177.56B | 44.0% | — | $290.8M | -$42.01B |
| FY 2023 | $626.9M | $158.10B | 44.0% | — | -$16.0M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
JPM // BETA 1.00