AFRM vs. SYF, DFS, CACC, OMF, SLM, NNI, BFH, ENVA, OCSL, and LC
Should you be buying Affirm stock or one of its competitors? The main competitors of Affirm include Synchrony Financial (SYF), Discover Financial Services (DFS), Credit Acceptance (CACC), OneMain (OMF), SLM (SLM), Nelnet (NNI), Bread Financial (BFH), Enova International (ENVA), Oaktree Specialty Lending (OCSL), and LendingClub (LC).
Affirm (NASDAQ:AFRM) and Synchrony Financial (NYSE:SYF) are both business services companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, valuation, media sentiment, analyst recommendations, institutional ownership, community ranking, profitability and dividends.
69.3% of Affirm shares are owned by institutional investors. Comparatively, 96.5% of Synchrony Financial shares are owned by institutional investors. 13.1% of Affirm shares are owned by company insiders. Comparatively, 0.3% of Synchrony Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
In the previous week, Synchrony Financial had 5 more articles in the media than Affirm. MarketBeat recorded 9 mentions for Synchrony Financial and 4 mentions for Affirm. Synchrony Financial's average media sentiment score of 1.10 beat Affirm's score of 0.98 indicating that Synchrony Financial is being referred to more favorably in the news media.
Affirm currently has a consensus target price of $27.53, indicating a potential downside of 5.95%. Synchrony Financial has a consensus target price of $43.74, indicating a potential downside of 0.14%. Given Synchrony Financial's stronger consensus rating and higher possible upside, analysts plainly believe Synchrony Financial is more favorable than Affirm.
Synchrony Financial has a net margin of 13.49% compared to Affirm's net margin of -32.17%. Synchrony Financial's return on equity of 16.01% beat Affirm's return on equity.
Affirm has a beta of 3.56, meaning that its share price is 256% more volatile than the S&P 500. Comparatively, Synchrony Financial has a beta of 1.58, meaning that its share price is 58% more volatile than the S&P 500.
Synchrony Financial has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than Synchrony Financial, indicating that it is currently the more affordable of the two stocks.
Synchrony Financial received 761 more outperform votes than Affirm when rated by MarketBeat users. Likewise, 71.16% of users gave Synchrony Financial an outperform vote while only 33.33% of users gave Affirm an outperform vote.
Summary
Synchrony Financial beats Affirm on 15 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding AFRM and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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