COMP <GO>
AFRM vs EFX // EV/EBITDA & P/E VALUATION
Affirm Holdings Inc. (NASDAQ) VS. Equifax Inc. (NYSE) • 15-METRIC TALLY: AFRM 2
— EFX 7
■ METRIC PARITY
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
valuation
—
LAST: $184.60 (+2.90%) • MKT CAP: $20.99B
valuation
18.7x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. EFX)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | EFX | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 10.20% | -11.40 | EFX | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 18.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | 6.39% | -4.02 | EFX | /fcf-yield <GO> |
| Operating Margin | -7.80% | 18.00% | -25.80 | EFX | /operating-margins <GO> |
| Net Profit Margin | 4.70% | 10.90% | -6.20 | EFX | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 6.90% | +28.00 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.11% | -1.11 | EFX | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.2 | 61.1 | -7.90 | EFX | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.11 | -0.15 | EFX | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 29.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $20.99B | $4.37B | AFRM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | EFX REV | AFRM GROSS % | EFX GROSS % | AFRM FCF | EFX FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | $6.07B | — | — | $601.7M | $1.34B |
| FY 2024 | $826.0M | $5.68B | — | — | $290.8M | $1.07B |
| FY 2023 | $626.9M | $5.27B | — | — | -$16.0M | $879.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
EFX // BETA 1.11