AFRM vs NI

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and NiSource Inc (NI, Company).

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

5-Year PerformanceNI has outperformed AFRM, delivering a return of +17.2% compared to +4.7%

AFRM vs NI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	NI(COMPANY)
Market Cap	$23B	$23B
Max Drawdown	94.71%	75.57%
Sharpe Ratio	0.74	1.10
5Y Beta	2.43	0.32
Industry	Credit Services	Utilities - Regulated Gas
P/E Ratio	70.96	23.37
Forward P/E	30.86	23.26
PEG Ratio	0.61	2.33
Dividend Yield	N/A	1.81%
5Y Dividends CAGR	N/A	10.86%
5Y EPS CAGR	N/A	31.83%
Debt to Equity	234.55%	13.37%
Free Cash Flow Yield	3.48%	-3.69%
P/S Ratio	5.66	3.30
P/B Ratio	5.94	2.35

Market Cap

Winner

AFRM

$23B

Max Drawdown

AFRM

94.71%

Winner

75.57%

Sharpe Ratio

AFRM

0.74

Winner

1.10

5Y Beta

AFRM

2.43

Winner

0.32

Industry

AFRM

Credit Services

Utilities - Regulated Gas

P/E Ratio

AFRM

70.96

Winner

23.37

Forward P/E

AFRM

30.86

Winner

23.26

PEG Ratio

Winner

AFRM

0.61

2.33

Dividend Yield

AFRM

N/A

1.81%

5Y Dividends CAGR

AFRM

N/A

10.86%

5Y EPS CAGR

AFRM

N/A

31.83%

Debt to Equity

AFRM

234.55%

Winner

13.37%

Free Cash Flow Yield

Winner

AFRM

3.48%

-3.69%

P/S Ratio

AFRM

5.66

Winner

3.30

P/B Ratio

AFRM

5.94

Winner

2.35

AFRM vs NI - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	NI
1 month	+3.99%	+2.29%
3 months	+31.49%	+3.53%
6 months	+4.35%	+12.98%
1 year	+42.21%	+26.07%
5 years(CAGR)	+4.71%	+17.19%
10 years(CAGR)	N/A	+10.64%
Max(CAGR)	-6.68%	+11.37%

Winner

AFRM

+3.99%

+2.29%

Winner

AFRM

+31.49%

+3.53%

AFRM

+4.35%

Winner

+12.98%

Winner

AFRM

+42.21%

+26.07%

5Y(CAGR)

AFRM

+4.71%

Winner

+17.19%

10Y(CAGR)

AFRM

N/A

+10.64%

Max(CAGR)

AFRM

-6.68%

Winner

+11.37%

AFRM vs NI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	NI
2026	-9.25%	+14.64%
2025	+19.07%	+18.08%
2024	+30.69%	+41.04%
2023	+440.00%	+0.38%
2022	-89.84%	+2.96%
2021	+3.41%	+26.74%
2020	N/A	-12.79%
2019	N/A	+14.29%
2018	N/A	+3.17%
2017	N/A	+19.01%
2016	N/A	+16.64%
2015	N/A	+24.11%
2014	N/A	+34.99%
2013	N/A	+34.52%
2012	N/A	+9.70%
2011	N/A	+39.75%
2010	N/A	+20.25%
2009	N/A	+49.16%
2008	N/A	-38.53%
2007	N/A	-18.81%
2006	N/A	+17.85%
2005	N/A	-2.99%
2004	N/A	+9.85%
2003	N/A	+12.97%
2002	N/A	-9.69%
2001	N/A	-20.03%
2000	N/A	+84.02%
1999	N/A	-14.08%

AFRM vs NI 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 NI was -65.72%, occurring on Mar 5, 2009. Recovery took 1002 trading sessions.

The current AFRM drawdown is -60.14%. The current NI drawdown is -1.18%.

Rank	AFRM	NI
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-65.72% May 18, 2007 - May 10, 2011
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-50.72% Apr 10, 2001 - Nov 29, 2006
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-38.71% Jan 24, 2000 - Aug 9, 2000
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-30.95% Feb 14, 2020 - Jan 28, 2022
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-24.82% Apr 6, 2022 - Jul 12, 2024
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-21.37% Nov 4, 1999 - Jan 24, 2000
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-18.91% Jul 5, 2016 - May 31, 2017
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-17.68% Nov 14, 2017 - Aug 14, 2018
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-16.80% Dec 26, 2000 - Apr 2, 2001
#10	N/A	-14.17% Sep 26, 2019 - Feb 13, 2020
#11	N/A	-13.43% Sep 13, 2018 - Mar 11, 2019
#12	N/A	-13.09% Jul 21, 2011 - Aug 29, 2011
#13	N/A	-12.12% Jun 18, 2015 - Sep 30, 2015
#14	N/A	-12.09% Sep 13, 2000 - Dec 1, 2000
#15	N/A	-11.33% Apr 29, 2013 - Jul 25, 2013