AFRM vs RF

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and Regions Financial Corp (RF, Company).

Both AFRM and RF are from the Financial Services sector.

5-Year PerformanceRF has outperformed AFRM, delivering a return of +15.7% compared to +5.8%

AFRM vs RF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	RF(COMPANY)
Market Cap	$28B	$27B
Max Drawdown	94.71%	93.57%
Sharpe Ratio	0.45	1.23
5Y Beta	2.48	1.00
Industry	Credit Services	Banks - Regional
P/E Ratio	86.38	12.82
Forward P/E	40.65	12.11
PEG Ratio	0.83	0.57
Dividend Yield	N/A	3.32%
5Y Dividends CAGR	N/A	16.14%
5Y EPS CAGR	N/A	8.57%
Debt to Equity	234.55%	33.75%
Free Cash Flow Yield	2.86%	7.30%
P/S Ratio	6.89	3.68
P/B Ratio	7.48	1.52

Market Cap

Winner

AFRM

$28B

$27B

Max Drawdown

AFRM

94.71%

Winner

93.57%

Sharpe Ratio

AFRM

0.45

Winner

1.23

5Y Beta

AFRM

2.48

Winner

1.00

Industry

AFRM

Credit Services

Banks - Regional

P/E Ratio

AFRM

86.38

Winner

12.82

Forward P/E

AFRM

40.65

Winner

12.11

PEG Ratio

AFRM

0.83

Winner

0.57

Dividend Yield

AFRM

N/A

3.32%

5Y Dividends CAGR

AFRM

N/A

16.14%

5Y EPS CAGR

AFRM

N/A

8.57%

Debt to Equity

AFRM

234.55%

Winner

33.75%

Free Cash Flow Yield

AFRM

2.86%

Winner

7.30%

P/S Ratio

AFRM

6.89

Winner

3.68

P/B Ratio

AFRM

7.48

Winner

1.52

AFRM vs RF - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	RF
1 month	+7.55%	+10.52%
3 months	+17.94%	+13.66%
6 months	+1.75%	+16.22%
1 year	+9.50%	+34.37%
5 years(CAGR)	+5.75%	+15.72%
10 years(CAGR)	N/A	+17.56%
Max(CAGR)	-4.36%	+4.42%

AFRM

+7.55%

Winner

+10.52%

Winner

AFRM

+17.94%

+13.66%

AFRM

+1.75%

Winner

+16.22%

AFRM

+9.50%

Winner

+34.37%

5Y(CAGR)

AFRM

+5.75%

Winner

+15.72%

10Y(CAGR)

AFRM

N/A

+17.56%

Max(CAGR)

AFRM

-4.36%

Winner

+4.42%

AFRM vs RF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	RF
2026	+2.76%	+17.11%
2025	+19.07%	+23.40%
2024	+30.69%	+26.24%
2023	+440.00%	-5.30%
2022	-89.84%	-1.61%
2021	+3.41%	+40.88%
2020	N/A	-1.23%
2019	N/A	+30.47%
2018	N/A	-20.98%
2017	N/A	+22.35%
2016	N/A	+56.00%
2015	N/A	-6.48%
2014	N/A	+8.63%
2013	N/A	+36.77%
2012	N/A	+64.91%
2011	N/A	-38.68%
2010	N/A	+29.89%
2009	N/A	-36.60%
2008	N/A	-63.41%
2007	N/A	-34.72%
2006	N/A	+13.82%
2005	N/A	+0.99%
2004	N/A	+25.16%
2003	N/A	+11.70%
2002	N/A	+15.08%
2001	N/A	+13.91%
2000	N/A	+21.72%
1999	N/A	-15.91%

AFRM vs RF 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 RF was -92.64%, occurring on Feb 4, 2009. Recovery took 4497 trading sessions.

The current AFRM drawdown is -54.86%. The current RF drawdown is -2.27%.

Rank	AFRM	RF
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-92.64% Oct 13, 2006 - Aug 28, 2024
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-40.39% Nov 8, 1999 - Jan 30, 2001
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-30.87% Nov 25, 2024 - Jul 23, 2025
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-24.37% Aug 19, 2002 - Jun 3, 2003
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-18.58% Aug 3, 2001 - Feb 26, 2002
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-18.46% Feb 11, 2026 - Jul 1, 2026
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-18.02% May 17, 2002 - Aug 15, 2002
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-15.60% Mar 7, 2001 - Jun 21, 2001
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-15.42% Jul 14, 2005 - Dec 16, 2005
#10	N/A	-14.78% Sep 18, 2025 - Dec 10, 2025
#11	N/A	-13.50% Jan 23, 2004 - Aug 18, 2004
#12	N/A	-11.12% Apr 28, 2006 - Jul 26, 2006
#13	N/A	-10.79% Dec 1, 2004 - Jul 13, 2005
#14	N/A	-6.78% Jul 25, 2025 - Aug 22, 2025
#15	N/A	-6.11% Jun 16, 2003 - Jul 18, 2003