AFRM vs ES

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and Eversource Energy (ES, Company).

AFRM is from the Financial Services sector, while ES is from the Utilities sector.

5-Year PerformanceAFRM has outperformed ES, delivering a return of +5.8% compared to +0.8%

AFRM vs ES - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	ES(COMPANY)
Market Cap	$28B	$28B
Max Drawdown	94.71%	46.76%
Sharpe Ratio	0.55	0.75
5Y Beta	2.48	0.24
Industry	Credit Services	Utilities - Regulated Electric
P/E Ratio	86.38	15.74
Forward P/E	42.19	16.29
PEG Ratio	0.83	0.16
Dividend Yield	N/A	4.08%
5Y Dividends CAGR	N/A	5.97%
5Y EPS CAGR	N/A	5.26%
Debt to Equity	234.55%	178.48%
Free Cash Flow Yield	2.86%	0.85%
P/S Ratio	6.89	2.02
P/B Ratio	7.48	1.70

Market Cap

AFRM

$28B

Winner

$28B

Max Drawdown

AFRM

94.71%

Winner

46.76%

Sharpe Ratio

AFRM

0.55

Winner

0.75

5Y Beta

AFRM

2.48

Winner

0.24

Industry

AFRM

Credit Services

Utilities - Regulated Electric

P/E Ratio

AFRM

86.38

Winner

15.74

Forward P/E

AFRM

42.19

Winner

16.29

PEG Ratio

AFRM

0.83

Winner

0.16

Dividend Yield

AFRM

N/A

4.08%

5Y Dividends CAGR

AFRM

N/A

5.97%

5Y EPS CAGR

AFRM

N/A

5.26%

Debt to Equity

AFRM

234.55%

Winner

178.48%

Free Cash Flow Yield

Winner

AFRM

2.86%

0.85%

P/S Ratio

AFRM

6.89

Winner

2.02

P/B Ratio

AFRM

7.48

Winner

1.70

AFRM vs ES - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	ES
1 month	+7.55%	+8.08%
3 months	+17.94%	+9.02%
6 months	+1.75%	+8.83%
1 year	+9.50%	+20.31%
5 years(CAGR)	+5.75%	+0.84%
10 years(CAGR)	N/A	+6.18%
Max(CAGR)	-4.36%	+8.27%

AFRM

+7.55%

Winner

+8.08%

Winner

AFRM

+17.94%

+9.02%

AFRM

+1.75%

Winner

+8.83%

AFRM

+9.50%

Winner

+20.31%

5Y(CAGR)

Winner

AFRM

+5.75%

+0.84%

10Y(CAGR)

AFRM

N/A

+6.18%

Max(CAGR)

AFRM

-4.36%

Winner

+8.27%

AFRM vs ES - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	ES
2026	+2.76%	+12.10%
2025	+19.07%	+23.04%
2024	+30.69%	-5.55%
2023	+440.00%	-23.74%
2022	-89.84%	-3.09%
2021	+3.41%	+10.78%
2020	N/A	+6.77%
2019	N/A	+37.76%
2018	N/A	+6.47%
2017	N/A	+18.29%
2016	N/A	+12.17%
2015	N/A	-1.66%
2014	N/A	+32.68%
2013	N/A	+10.32%
2012	N/A	+13.45%
2011	N/A	+16.51%
2010	N/A	+28.72%
2009	N/A	+9.86%
2008	N/A	-20.34%
2007	N/A	+13.02%
2006	N/A	+46.94%
2005	N/A	+10.23%
2004	N/A	-3.06%
2003	N/A	+34.78%
2002	N/A	-13.16%
2001	N/A	-23.40%
2000	N/A	+18.26%
1999	N/A	-2.10%

AFRM vs ES 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 ES was -43.12%, occurring on Oct 9, 2002. Recovery took 1120 trading sessions.

The current AFRM drawdown is -54.86%. The current ES drawdown is -5.79%.

Rank	AFRM	ES
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-43.12% Dec 29, 2000 - Jun 17, 2005
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-41.67% Aug 18, 2022 - Oct 23, 2023
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-41.15% Apr 3, 2007 - Oct 5, 2010
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-36.85% Mar 4, 2020 - Apr 20, 2022
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-22.54% Sep 11, 2000 - Dec 29, 2000
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-18.46% Aug 2, 2005 - Jul 10, 2006
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-18.14% Jan 29, 2015 - Feb 1, 2016
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-17.63% Nov 14, 2017 - Oct 24, 2018
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-16.42% May 27, 2022 - Aug 15, 2022
#10	N/A	-15.45% May 18, 2011 - Dec 27, 2011
#11	N/A	-15.12% Nov 18, 1999 - Apr 14, 2000
#12	N/A	-14.48% Jul 5, 2016 - Mar 15, 2017
#13	N/A	-11.85% Apr 30, 2013 - Aug 1, 2013
#14	N/A	-11.06% Jun 30, 2014 - Oct 14, 2014
#15	N/A	-10.65% Aug 1, 2013 - Feb 11, 2014