AFRM vs CTSH

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and Cognizant Technology Solutions Corp - Class A (CTSH, Company).

AFRM is from the Financial Services sector, while CTSH is from the Technology sector.

5-Year PerformanceAFRM has outperformed CTSH, delivering a return of +2.7% compared to -3.3%

AFRM vs CTSH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	CTSH(COMPANY)
Market Cap	$26B	$26B
Max Drawdown	94.71%	71.38%
Sharpe Ratio	0.28	-0.37
5Y Beta	2.50	0.67
Industry	Credit Services	Information Technology Services
P/E Ratio	82.96	12.03
Forward P/E	36.36	9.69
PEG Ratio	0.72	0.88
Dividend Yield	N/A	2.33%
5Y Dividends CAGR	N/A	12.05%
5Y EPS CAGR	N/A	10.11%
Debt to Equity	234.55%	3.77%
Free Cash Flow Yield	2.97%	9.34%
P/S Ratio	6.62	1.24
P/B Ratio	6.33	1.72

Market Cap

Winner

AFRM

$26B

CTSH

$26B

Max Drawdown

AFRM

94.71%

Winner

CTSH

71.38%

Sharpe Ratio

Winner

AFRM

0.28

CTSH

-0.37

5Y Beta

AFRM

2.50

Winner

CTSH

0.67

Industry

AFRM

Credit Services

CTSH

Information Technology Services

P/E Ratio

AFRM

82.96

Winner

CTSH

12.03

Forward P/E

AFRM

36.36

Winner

CTSH

9.69

PEG Ratio

Winner

AFRM

0.72

CTSH

0.88

Dividend Yield

AFRM

N/A

CTSH

2.33%

5Y Dividends CAGR

AFRM

N/A

CTSH

12.05%

5Y EPS CAGR

AFRM

N/A

CTSH

10.11%

Debt to Equity

AFRM

234.55%

Winner

CTSH

3.77%

Free Cash Flow Yield

AFRM

2.97%

Winner

CTSH

9.34%

P/S Ratio

AFRM

6.62

Winner

CTSH

1.24

P/B Ratio

AFRM

6.33

Winner

CTSH

1.72

AFRM vs CTSH - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	CTSH
1 month	-10.73%	+37.52%
3 months	+16.77%	+11.54%
6 months	+34.28%	-25.35%
1 year	-0.91%	-18.12%
5 years(CAGR)	+2.66%	-3.29%
10 years(CAGR)	N/A	+0.84%
Max(CAGR)	-4.20%	+16.62%

AFRM

-10.73%

Winner

CTSH

+37.52%

Winner

AFRM

+16.77%

CTSH

+11.54%

Winner

AFRM

+34.28%

CTSH

-25.35%

Winner

AFRM

-0.91%

CTSH

-18.12%

5Y(CAGR)

Winner

AFRM

+2.66%

CTSH

-3.29%

10Y(CAGR)

AFRM

N/A

CTSH

+0.84%

Max(CAGR)

AFRM

-4.20%

Winner

CTSH

+16.62%

AFRM vs CTSH - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	CTSH
2026	+3.44%	-29.21%
2025	+19.07%	+10.38%
2024	+30.69%	+5.04%
2023	+440.00%	+33.43%
2022	-89.84%	-35.16%
2021	+3.41%	+13.13%
2020	N/A	+34.18%
2019	N/A	-0.47%
2018	N/A	-9.57%
2017	N/A	+26.47%
2016	N/A	-3.61%
2015	N/A	+13.95%
2014	N/A	+6.56%
2013	N/A	+32.62%
2012	N/A	+12.42%
2011	N/A	-14.66%
2010	N/A	+56.60%
2009	N/A	+137.08%
2008	N/A	-43.97%
2007	N/A	-12.71%
2006	N/A	+52.28%
2005	N/A	+20.18%
2004	N/A	+79.90%
2003	N/A	+89.51%
2002	N/A	+88.30%
2001	N/A	+23.70%
2000	N/A	-24.36%
1999	N/A	+114.82%

AFRM vs CTSH Drawdown Comparison

The maximum drawdown for AFRM was -94.71%, occurring on Dec 27, 2022. This drawdown has not yet recovered.

The maximum drawdown for CTSH was -71.38%, occurring on Oct 8, 2001. Recovery took 653 trading sessions.

The current AFRM drawdown is -54.56%. The current CTSH drawdown is -35.54%.

Rank	AFRM	CTSH
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-71.38% Mar 28, 2000 - Nov 4, 2002
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-69.06% Feb 7, 2007 - Jan 13, 2010
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-56.12% Feb 14, 2025 - Jun 30, 2026
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-49.77% Mar 15, 2018 - May 3, 2021
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-43.77% Mar 22, 2022 - Feb 13, 2025
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-35.68% Dec 22, 1999 - Feb 8, 2000
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-34.31% Apr 29, 2011 - Sep 18, 2013
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-31.60% Oct 28, 2015 - Jul 20, 2017
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-30.65% Dec 23, 2002 - Jul 2, 2003
#10	N/A	-28.10% Jan 23, 2004 - Sep 9, 2004
#11	N/A	-25.36% Mar 9, 2000 - Mar 24, 2000
#12	N/A	-19.21% Mar 7, 2014 - Nov 7, 2014
#13	N/A	-18.87% May 3, 2021 - Nov 12, 2021
#14	N/A	-17.85% Mar 4, 2005 - Jun 15, 2005
#15	N/A	-17.00% Feb 11, 2000 - Mar 9, 2000