COMP <GO>
AFRM vs MS // NET PROFIT MARGIN
Affirm Holdings Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: AFRM 6
— MS 7
▲ NET PROFIT MARGIN LEADER: MS
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
net-margins
4.70%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
net-margins
20.20%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | MS | 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% | 3.00% | -4.20 | MS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | -7.25% | +9.62 | AFRM | /fcf-yield <GO> |
| Operating Margin | -7.80% | 24.60% | -32.40 | MS | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 4.70% | 20.20% | -15.50 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 5.50% | +29.40 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.54 | 0.46 | +1.08 | AFRM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 7.00% | -0.20 | AFRM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.5 | 43.3 | +7.22 | AFRM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.04 | -0.08 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 16.5x | +123.50 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $298.41B | -$273.04B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | MS REV | AFRM GROSS % | MS GROSS % | AFRM FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $0 | 44.0% | — | $601.7M | -$17.89B |
| FY 2024 | $826.0M | $0 | 44.0% | — | $290.8M | $1.36B |
| FY 2023 | $626.9M | $0 | 44.0% | — | -$16.0M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
MS // BETA 1.04