COMP <GO>
AFRM vs RKT // FREE CASH FLOW YIELD
Affirm Holdings Inc. (NASDAQ) VS. Rocket Companies Inc. (NYSE) • 15-METRIC TALLY: AFRM 5
— RKT 4
▲ FREE CASH FLOW YIELD LEADER: AFRM
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
fcf-yield
2.37%
LAST: $12.80 (+7.38%) • MKT CAP: $33.75B
fcf-yield
-11.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. RKT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | RKT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | -0.20% | -1.00 | RKT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 2.37% | -11.90% | +14.27 | AFRM | /fcf-yield <GO> |
| Operating Margin | -7.80% | -0.90% | -6.90 | RKT | /operating-margins <GO> |
| Net Profit Margin | 4.70% | -0.70% | +5.40 | AFRM | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 22.00% | +12.90 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 4/9 | +4.00 | AFRM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.2 | 51.3 | +1.90 | AFRM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.11 | -0.15 | RKT | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 21.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $33.75B | -$8.39B | RKT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | RKT REV | AFRM GROSS % | RKT GROSS % | AFRM FCF | RKT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $0 | — | — | $601.7M | -$4.02B |
| FY 2024 | $826.0M | $0 | — | — | $290.8M | -$2.70B |
| FY 2023 | $626.9M | $0 | — | — | -$16.0M | $111.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
RKT // BETA 1.11