` Comparison: AFRM, MA - Alpha Spread

AFRM
vs
MA

Over the past 12 months, AFRM has underperformed MA, delivering a return of -2% compared to the MA's +6% growth.

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AFRM
MA
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Valuation Comparison

AFRM Intrinsic Value
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MA Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Affirm Holdings Inc
NASDAQ:AFRM
69.03 USD
Mastercard Inc
NYSE:MA
563.37 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
AFRM, MA

AFRM
MA
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Affirm Holdings Inc
Revenue
Mastercard Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
AFRM, MA

AFRM
MA
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Affirm Holdings Inc
NASDAQ:AFRM
Mastercard Inc
NYSE:MA
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What is Free Cash Flow?

Gross Margin

AFRM
92.5%
MA
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

Operating Margin

AFRM
15.6%
MA
59.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

Net Margin

AFRM
6.7%
MA
45.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

FCF Margin

AFRM
22.2%
MA
51.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

ROE

AFRM
7.6%
MA
185.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

ROA

AFRM
2.2%
MA
28.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

ROIC

AFRM
5.5%
MA
39.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

ROCE

AFRM
5.2%
MA
59.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Affirm Holdings Inc
Mastercard Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AFRM, MA

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AFRM
MA
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Performance Gap
AFRM, MA

Performance Gap Between AFRM and MA
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Performance By Year
AFRM, MA

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AFRM
MA
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