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).
Synchrony Financial (NYSE:SYF) and Affirm (NASDAQ:AFRM) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, community ranking, analyst recommendations, media sentiment, dividends, risk, valuation, profitability and institutional ownership.
Synchrony Financial has a net margin of 13.49% compared to Synchrony Financial's net margin of -32.17%. Affirm's return on equity of 16.01% beat Synchrony Financial's return on equity.
96.5% of Synchrony Financial shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 0.3% of Synchrony Financial shares are owned by insiders. Comparatively, 13.1% of Affirm shares are owned by 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.
Synchrony Financial has a beta of 1.58, meaning that its stock price is 58% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.56, meaning that its stock price is 256% 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.
In the previous week, Synchrony Financial had 5 more articles in the media than Affirm. MarketBeat recorded 8 mentions for Synchrony Financial and 3 mentions for Affirm. Affirm's average media sentiment score of 1.16 beat Synchrony Financial's score of 0.98 indicating that Synchrony Financial is being referred to more favorably in the media.
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.
Synchrony Financial currently has a consensus price target of $43.74, suggesting a potential downside of 0.14%. Affirm has a consensus price target of $27.53, suggesting a potential downside of 5.95%. Given Affirm's stronger consensus rating and higher possible upside, equities analysts clearly believe Synchrony Financial is more favorable than Affirm.
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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