AFRM vs FCNCA

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and First Citizens Bancshares Inc (NC) - Class A (FCNCA, Company).

Both AFRM and FCNCA are from the Financial Services sector.

5-Year PerformanceFCNCA has outperformed AFRM, delivering a return of +18.8% compared to +1.7%

AFRM vs FCNCA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	FCNCA(COMPANY)
Market Cap	$24B	$24B
Max Drawdown	94.71%	64.11%
Sharpe Ratio	0.76	0.30
5Y Beta	2.44	N/A
Industry	Credit Services	Banks - Regional
P/E Ratio	74.47	11.86
Forward P/E	36.50	12.27
PEG Ratio	0.72	1.23
Dividend Yield	N/A	0.40%
5Y Dividends CAGR	N/A	35.78%
5Y EPS CAGR	N/A	34.75%
Debt to Equity	234.55%	154.04%
Free Cash Flow Yield	3.31%	9.46%
P/S Ratio	6.16	2.53
P/B Ratio	6.46	1.14

Market Cap

AFRM

$24B

Winner

FCNCA

$24B

Max Drawdown

AFRM

94.71%

Winner

FCNCA

64.11%

Sharpe Ratio

Winner

AFRM

0.76

FCNCA

0.30

5Y Beta

AFRM

2.44

FCNCA

N/A

Industry

AFRM

Credit Services

FCNCA

Banks - Regional

P/E Ratio

AFRM

74.47

Winner

FCNCA

11.86

Forward P/E

AFRM

36.50

Winner

FCNCA

12.27

PEG Ratio

Winner

AFRM

0.72

FCNCA

1.23

Dividend Yield

AFRM

N/A

FCNCA

0.40%

5Y Dividends CAGR

AFRM

N/A

FCNCA

35.78%

5Y EPS CAGR

AFRM

N/A

FCNCA

34.75%

Debt to Equity

AFRM

234.55%

Winner

FCNCA

154.04%

Free Cash Flow Yield

AFRM

3.31%

Winner

FCNCA

9.46%

P/S Ratio

AFRM

6.16

Winner

FCNCA

2.53

P/B Ratio

AFRM

6.46

Winner

FCNCA

1.14

AFRM vs FCNCA - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	FCNCA
1 month	+5.14%	+0.66%
3 months	+52.15%	+2.49%
6 months	+5.95%	+5.03%
1 year	+34.23%	+11.42%
5 years(CAGR)	+1.71%	+18.78%
10 years(CAGR)	N/A	+23.13%
Max(CAGR)	-5.67%	+13.75%

Winner

AFRM

+5.14%

FCNCA

+0.66%

Winner

AFRM

+52.15%

FCNCA

+2.49%

Winner

AFRM

+5.95%

FCNCA

+5.03%

Winner

AFRM

+34.23%

FCNCA

+11.42%

5Y(CAGR)

AFRM

+1.71%

Winner

FCNCA

+18.78%

10Y(CAGR)

AFRM

N/A

FCNCA

+23.13%

Max(CAGR)

AFRM

-5.67%

Winner

FCNCA

+13.75%

AFRM vs FCNCA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	FCNCA
2026	-4.08%	-7.31%
2025	+19.07%	+2.49%
2024	+30.69%	+47.39%
2023	+440.00%	+89.46%
2022	-89.84%	-11.55%
2021	+3.41%	+46.31%
2020	N/A	+7.28%
2019	N/A	+40.73%
2018	N/A	-6.47%
2017	N/A	+13.91%
2016	N/A	+42.96%
2015	N/A	+3.51%
2014	N/A	+14.62%
2013	N/A	+33.71%
2012	N/A	-8.09%
2011	N/A	-8.71%
2010	N/A	+11.87%
2009	N/A	+8.50%
2008	N/A	+7.72%
2007	N/A	-29.39%
2006	N/A	+12.90%
2005	N/A	+21.61%
2004	N/A	+22.65%
2003	N/A	+23.99%
2002	N/A	-0.61%
2001	N/A	+23.69%
2000	N/A	+18.67%
1999	N/A	-8.79%

AFRM vs FCNCA 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 FCNCA was -63.51%, occurring on Mar 6, 2009. Recovery took 917 trading sessions.

The current AFRM drawdown is -57.86%. The current FCNCA drawdown is -14.55%.

Rank	AFRM	FCNCA
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-63.51% Jul 25, 2006 - Mar 17, 2010
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-47.49% Jan 30, 2020 - Nov 9, 2020
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-43.63% Sep 2, 2021 - Mar 28, 2023
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-33.93% Mar 17, 2010 - Jul 18, 2013
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-33.51% Nov 22, 2024 - Apr 8, 2025
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-26.59% Jul 5, 2001 - Apr 30, 2002
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-26.35% Nov 3, 1999 - Dec 13, 2000
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-24.39% Aug 24, 2018 - Sep 12, 2019
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-20.61% May 22, 2002 - Jul 31, 2003
#10	N/A	-19.04% Jun 12, 2014 - Dec 5, 2014
#11	N/A	-18.88% Jul 14, 2015 - Jul 14, 2016
#12	N/A	-16.86% Feb 16, 2005 - Jul 5, 2005
#13	N/A	-16.51% Jun 8, 2021 - Aug 27, 2021
#14	N/A	-16.42% Dec 9, 2014 - Jul 13, 2015
#15	N/A	-15.35% Jan 25, 2017 - Jul 3, 2017