AFRM vs PHM

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and PulteGroup Inc (PHM, Company).

AFRM is from the Financial Services sector, while PHM is from the Consumer Cyclical sector.

5-Year PerformancePHM has outperformed AFRM, delivering a return of +21.9% compared to +4.3%

AFRM vs PHM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	PHM(COMPANY)
Market Cap	$26B	$26B
Max Drawdown	94.71%	92.61%
Sharpe Ratio	0.50	0.81
5Y Beta	2.48	0.76
Industry	Credit Services	Residential Construction
P/E Ratio	82.10	13.01
Forward P/E	38.76	12.63
PEG Ratio	0.77	1.15
Dividend Yield	N/A	0.76%
5Y Dividends CAGR	N/A	17.70%
5Y EPS CAGR	N/A	23.57%
Debt to Equity	234.55%	0.00%
Free Cash Flow Yield	3.01%	6.82%
P/S Ratio	6.55	1.54
P/B Ratio	6.87	1.86

Market Cap

Winner

AFRM

$26B

PHM

$26B

Max Drawdown

AFRM

94.71%

Winner

PHM

92.61%

Sharpe Ratio

AFRM

0.50

Winner

PHM

0.81

5Y Beta

AFRM

2.48

Winner

PHM

0.76

Industry

AFRM

Credit Services

PHM

Residential Construction

P/E Ratio

AFRM

82.10

Winner

PHM

13.01

Forward P/E

AFRM

38.76

Winner

PHM

12.63

PEG Ratio

Winner

AFRM

0.77

PHM

1.15

Dividend Yield

AFRM

N/A

PHM

0.76%

5Y Dividends CAGR

AFRM

N/A

PHM

17.70%

5Y EPS CAGR

AFRM

N/A

PHM

23.57%

Debt to Equity

AFRM

234.55%

Winner

PHM

0.00%

Free Cash Flow Yield

AFRM

3.01%

Winner

PHM

6.82%

P/S Ratio

AFRM

6.55

Winner

PHM

1.54

P/B Ratio

AFRM

6.87

Winner

PHM

1.86

AFRM vs PHM - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	PHM
1 month	+14.75%	+17.02%
3 months	+81.28%	+17.74%
6 months	+4.85%	+15.93%
1 year	+18.82%	+32.81%
5 years(CAGR)	+4.30%	+21.90%
10 years(CAGR)	N/A	+24.01%
Max(CAGR)	-3.63%	+14.05%

AFRM

+14.75%

Winner

PHM

+17.02%

Winner

AFRM

+81.28%

PHM

+17.74%

AFRM

+4.85%

Winner

PHM

+15.93%

AFRM

+18.82%

Winner

PHM

+32.81%

5Y(CAGR)

AFRM

+4.30%

Winner

PHM

+21.90%

10Y(CAGR)

AFRM

N/A

PHM

+24.01%

Max(CAGR)

AFRM

-3.63%

Winner

PHM

+14.05%

AFRM vs PHM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	PHM
2026	+7.38%	+16.06%
2025	+19.07%	+9.82%
2024	+30.69%	+7.98%
2023	+440.00%	+125.46%
2022	-89.84%	-17.68%
2021	+3.41%	+36.94%
2020	N/A	+13.00%
2019	N/A	+49.88%
2018	N/A	-21.05%
2017	N/A	+81.73%
2016	N/A	+9.17%
2015	N/A	-14.74%
2014	N/A	+8.11%
2013	N/A	+10.47%
2012	N/A	+178.53%
2011	N/A	-18.89%
2010	N/A	-26.56%
2009	N/A	-10.47%
2008	N/A	+6.27%
2007	N/A	-67.13%
2006	N/A	-19.29%
2005	N/A	+24.89%
2004	N/A	+40.78%
2003	N/A	+84.87%
2002	N/A	+8.56%
2001	N/A	+11.32%
2000	N/A	+101.03%
1999	N/A	+9.65%

AFRM vs PHM 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 PHM was -92.39%, occurring on Oct 3, 2011. Recovery took 3644 trading sessions.

The current AFRM drawdown is -52.83%. The current PHM drawdown is -6.35%.

Rank	AFRM	PHM
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-92.39% Jul 28, 2005 - Jan 21, 2020
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-62.09% Feb 11, 2020 - Aug 21, 2020
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-45.40% Apr 27, 2001 - Feb 26, 2002
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-40.98% May 10, 2021 - Apr 18, 2023
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-38.01% Oct 18, 2024 - Apr 8, 2025
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-37.85% Jun 24, 2002 - May 7, 2003
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-31.65% Nov 16, 1999 - May 16, 2000
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-25.43% Sep 21, 2004 - Dec 15, 2004
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-25.27% Dec 5, 2000 - Apr 24, 2001
#10	N/A	-20.93% Mar 5, 2004 - Aug 16, 2004
#11	N/A	-19.11% Oct 9, 2000 - Nov 3, 2000
#12	N/A	-18.85% Aug 8, 2023 - Nov 14, 2023
#13	N/A	-18.38% Jun 16, 2003 - Oct 2, 2003
#14	N/A	-17.87% Oct 12, 2020 - Feb 10, 2021
#15	N/A	-15.44% Mar 4, 2002 - May 1, 2002