AFRM vs VIV

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and Telefonica Brasil S.A. (VIV, Company).

AFRM is from the Financial Services sector, while VIV is from the Communication Services sector.

5-Year PerformanceVIV has outperformed AFRM, delivering a return of +17.8% compared to +4.7%

AFRM vs VIV - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	VIV(COMPANY)
Market Cap	$23B	$23B
Max Drawdown	94.71%	82.53%
Sharpe Ratio	0.74	1.42
5Y Beta	2.43	0.39
Industry	Credit Services	Telecom Services
P/E Ratio	70.96	18.95
Forward P/E	30.86	12.69
PEG Ratio	0.61	0.84
Dividend Yield	N/A	6.86%
5Y Dividends CAGR	N/A	-12.79%
5Y EPS CAGR	N/A	8.54%
Debt to Equity	234.55%	28.59%
Free Cash Flow Yield	3.48%	9.51%
P/S Ratio	5.66	0.37
P/B Ratio	5.94	1.63

Market Cap

Winner

AFRM

$23B

VIV

$23B

Max Drawdown

AFRM

94.71%

Winner

VIV

82.53%

Sharpe Ratio

AFRM

0.74

Winner

VIV

1.42

5Y Beta

AFRM

2.43

Winner

VIV

0.39

Industry

AFRM

Credit Services

VIV

Telecom Services

P/E Ratio

AFRM

70.96

Winner

VIV

18.95

Forward P/E

AFRM

30.86

Winner

VIV

12.69

PEG Ratio

Winner

AFRM

0.61

VIV

0.84

Dividend Yield

AFRM

N/A

VIV

6.86%

5Y Dividends CAGR

AFRM

N/A

VIV

-12.79%

5Y EPS CAGR

AFRM

N/A

VIV

8.54%

Debt to Equity

AFRM

234.55%

Winner

VIV

28.59%

Free Cash Flow Yield

AFRM

3.48%

Winner

VIV

9.51%

P/S Ratio

AFRM

5.66

Winner

VIV

0.37

P/B Ratio

AFRM

5.94

Winner

VIV

1.63

AFRM vs VIV - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	VIV
1 month	+3.99%	-12.66%
3 months	+31.49%	-9.87%
6 months	+4.35%	+12.13%
1 year	+42.21%	+49.93%
5 years(CAGR)	+4.71%	+17.80%
10 years(CAGR)	N/A	+9.07%
Max(CAGR)	-6.68%	+7.62%

Winner

AFRM

+3.99%

VIV

-12.66%

Winner

AFRM

+31.49%

VIV

-9.87%

AFRM

+4.35%

Winner

VIV

+12.13%

AFRM

+42.21%

Winner

VIV

+49.93%

5Y(CAGR)

AFRM

+4.71%

Winner

VIV

+17.80%

10Y(CAGR)

AFRM

N/A

VIV

+9.07%

Max(CAGR)

AFRM

-6.68%

Winner

VIV

+7.62%

AFRM vs VIV - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	VIV
2026	-9.25%	+17.54%
2025	+19.07%	+64.98%
2024	+30.69%	-25.16%
2023	+440.00%	+76.51%
2022	-89.84%	-10.74%
2021	+3.41%	+5.21%
2020	N/A	-32.31%
2019	N/A	+21.65%
2018	N/A	-13.67%
2017	N/A	+19.26%
2016	N/A	+56.05%
2015	N/A	-44.59%
2014	N/A	-0.41%
2013	N/A	-14.25%
2012	N/A	-12.20%
2011	N/A	+24.53%
2010	N/A	+4.02%
2009	N/A	+35.76%
2008	N/A	-16.36%
2007	N/A	+9.38%
2006	N/A	+27.44%
2005	N/A	+15.47%
2004	N/A	+22.52%
2003	N/A	+99.52%
2002	N/A	-27.79%
2001	N/A	+12.17%
2000	N/A	-34.72%
1999	N/A	+51.61%

AFRM vs VIV 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 VIV was -77.91%, occurring on Sep 26, 2001. Recovery took 1477 trading sessions.

The current AFRM drawdown is -60.14%. The current VIV drawdown is -17.55%.

Rank	AFRM	VIV
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-77.91% Mar 3, 2000 - Jan 19, 2006
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-67.51% Apr 9, 2012 - Aug 15, 2025
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-45.49% Jul 19, 2007 - Apr 6, 2011
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-25.06% Feb 16, 2006 - Dec 13, 2006
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-19.66% Apr 10, 2026 - May 19, 2026
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-18.67% Aug 31, 2011 - Mar 13, 2012
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-15.51% Jul 29, 2011 - Aug 31, 2011
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-12.97% Feb 6, 2007 - Apr 26, 2007
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-12.25% Nov 28, 2025 - Jan 22, 2026
#10	N/A	-11.93% Dec 29, 1999 - Jan 7, 2000
#11	N/A	-10.17% Feb 27, 2026 - Apr 9, 2026
#12	N/A	-8.49% Apr 21, 2011 - May 25, 2011
#13	N/A	-8.44% Feb 14, 2000 - Mar 3, 2000
#14	N/A	-8.03% Jun 2, 2011 - Jul 26, 2011
#15	N/A	-8.00% Nov 11, 1999 - Nov 23, 1999