AFRM vs FICO

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and Fair Isaac Corp (FICO, Company).

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

5-Year PerformanceFICO has outperformed AFRM, delivering a return of +20.1% compared to +4.2%

AFRM vs FICO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	FICO(COMPANY)
Market Cap	$28B	$28B
Max Drawdown	94.71%	79.46%
Sharpe Ratio	0.62	-0.55
5Y Beta	2.47	0.91
Industry	Credit Services	Software - Application
P/E Ratio	88.65	37.63
Forward P/E	41.84	21.51
PEG Ratio	0.83	1.05
5Y Dividends CAGR	N/A	4.56%
5Y EPS CAGR	N/A	27.34%
Debt to Equity	234.55%	-173.15%
Free Cash Flow Yield	2.78%	3.20%
P/S Ratio	7.07	12.40
P/B Ratio	7.42	82.33

Market Cap

Winner

AFRM

$28B

FICO

$28B

Max Drawdown

AFRM

94.71%

Winner

FICO

79.46%

Sharpe Ratio

Winner

AFRM

0.62

FICO

-0.55

5Y Beta

AFRM

2.47

Winner

FICO

0.91

Industry

AFRM

Credit Services

FICO

Software - Application

P/E Ratio

AFRM

88.65

Winner

FICO

37.63

Forward P/E

AFRM

41.84

Winner

FICO

21.51

PEG Ratio

Winner

AFRM

0.83

FICO

1.05

5Y Dividends CAGR

AFRM

N/A

FICO

4.56%

5Y EPS CAGR

AFRM

N/A

FICO

27.34%

Debt to Equity

AFRM

234.55%

Winner

FICO

-173.15%

Free Cash Flow Yield

AFRM

2.78%

Winner

FICO

3.20%

P/S Ratio

Winner

AFRM

7.07

FICO

12.40

P/B Ratio

Winner

AFRM

7.42

FICO

82.33

AFRM vs FICO - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	FICO
1 month	+19.11%	+1.51%
3 months	+82.64%	+16.59%
6 months	+14.25%	-22.68%
1 year	+23.71%	-31.05%
5 years(CAGR)	+4.20%	+20.14%
10 years(CAGR)	N/A	+27.28%
Max(CAGR)	-2.52%	+19.33%

Winner

AFRM

+19.11%

FICO

+1.51%

Winner

AFRM

+82.64%

FICO

+16.59%

Winner

AFRM

+14.25%

FICO

-22.68%

Winner

AFRM

+23.71%

FICO

-31.05%

5Y(CAGR)

AFRM

+4.20%

Winner

FICO

+20.14%

10Y(CAGR)

AFRM

N/A

FICO

+27.28%

Max(CAGR)

AFRM

-2.52%

Winner

FICO

+19.33%

AFRM vs FICO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	FICO
2026	+14.25%	-22.68%
2025	+19.07%	-15.30%
2024	+30.69%	+76.01%
2023	+440.00%	+96.89%
2022	-89.84%	+35.08%
2021	+3.41%	-14.17%
2020	N/A	+33.46%
2019	N/A	+101.99%
2018	N/A	+21.91%
2017	N/A	+27.51%
2016	N/A	+28.20%
2015	N/A	+30.62%
2014	N/A	+17.58%
2013	N/A	+45.13%
2012	N/A	+15.02%
2011	N/A	+52.55%
2010	N/A	+8.32%
2009	N/A	+24.13%
2008	N/A	-46.15%
2007	N/A	-20.47%
2006	N/A	-10.02%
2005	N/A	+25.14%
2004	N/A	+13.49%
2003	N/A	+15.82%
2002	N/A	+3.59%
2001	N/A	+94.15%
2000	N/A	-3.14%
1999	N/A	+32.56%

AFRM vs FICO 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 FICO was -79.25%, occurring on Mar 5, 2009. Recovery took 1747 trading sessions.

The current AFRM drawdown is -49.81%. The current FICO drawdown is -46.67%.

Rank	AFRM	FICO
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-79.25% Nov 22, 2005 - Nov 1, 2012
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-61.28% Nov 26, 2024 - Apr 10, 2026
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-50.90% Feb 19, 2020 - Jul 29, 2020
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-45.79% Jul 16, 2001 - Jan 23, 2003
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-43.66% Nov 3, 2003 - Sep 12, 2005
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-38.24% Jul 23, 2021 - Nov 10, 2022
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-33.68% Dec 28, 1999 - Jan 29, 2001
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-28.55% Sep 14, 2018 - Feb 13, 2019
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-22.57% Sep 6, 2019 - Dec 20, 2019
#10	N/A	-19.01% Dec 30, 2013 - Jun 30, 2014
#11	N/A	-18.50% Dec 17, 2020 - Apr 15, 2021
#12	N/A	-17.03% Jul 16, 2015 - Feb 25, 2016
#13	N/A	-16.91% Jul 1, 2014 - Nov 7, 2014
#14	N/A	-16.79% Mar 7, 2024 - May 14, 2024
#15	N/A	-16.13% Sep 8, 2016 - Apr 25, 2017