AFRM vs WRB

Comparison between Affirm Holdings Inc - Class A (AFRM, Company) and W.R. Berkley Corp (WRB, Company).

Both AFRM and WRB are from the Financial Services sector.

5-Year PerformanceWRB has outperformed AFRM, delivering a return of +19.7% compared to +4.3%

AFRM vs WRB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AFRM(COMPANY)	WRB(COMPANY)
Market Cap	$26B	$26B
Max Drawdown	94.71%	55.15%
Sharpe Ratio	0.50	-0.12
5Y Beta	2.48	0.17
Industry	Credit Services	Insurance - Property & Casualty
P/E Ratio	82.10	14.07
Forward P/E	38.76	15.15
PEG Ratio	0.77	1.51
Dividend Yield	N/A	0.52%
5Y Dividends CAGR	N/A	87.00%
5Y EPS CAGR	N/A	21.09%
Debt to Equity	234.55%	0.00%
Free Cash Flow Yield	3.01%	13.43%
P/S Ratio	6.55	1.76
P/B Ratio	6.87	2.68

Market Cap

Winner

AFRM

$26B

WRB

$26B

Max Drawdown

AFRM

94.71%

Winner

WRB

55.15%

Sharpe Ratio

Winner

AFRM

0.50

WRB

-0.12

5Y Beta

AFRM

2.48

Winner

WRB

0.17

Industry

AFRM

Credit Services

WRB

Insurance - Property & Casualty

P/E Ratio

AFRM

82.10

Winner

WRB

14.07

Forward P/E

AFRM

38.76

Winner

WRB

15.15

PEG Ratio

Winner

AFRM

0.77

WRB

1.51

Dividend Yield

AFRM

N/A

WRB

0.52%

5Y Dividends CAGR

AFRM

N/A

WRB

87.00%

5Y EPS CAGR

AFRM

N/A

WRB

21.09%

Debt to Equity

AFRM

234.55%

Winner

WRB

0.00%

Free Cash Flow Yield

AFRM

3.01%

Winner

WRB

13.43%

P/S Ratio

AFRM

6.55

Winner

WRB

1.76

P/B Ratio

AFRM

6.87

Winner

WRB

2.68

AFRM vs WRB - Historical Returns

Returns include dividend reinvestment.

Period	AFRM	WRB
1 month	+14.75%	+8.65%
3 months	+81.28%	+12.10%
6 months	+4.85%	+3.80%
1 year	+18.82%	+2.98%
5 years(CAGR)	+4.30%	+19.70%
10 years(CAGR)	N/A	+18.82%
Max(CAGR)	-3.63%	+18.07%

Winner

AFRM

+14.75%

WRB

+8.65%

Winner

AFRM

+81.28%

WRB

+12.10%

Winner

AFRM

+4.85%

WRB

+3.80%

Winner

AFRM

+18.82%

WRB

+2.98%

5Y(CAGR)

AFRM

+4.30%

Winner

WRB

+19.70%

10Y(CAGR)

AFRM

N/A

WRB

+18.82%

Max(CAGR)

AFRM

-3.63%

Winner

WRB

+18.07%

AFRM vs WRB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AFRM	WRB
2026	+7.38%	+5.61%
2025	+19.07%	+24.07%
2024	+30.69%	+24.66%
2023	+440.00%	+0.23%
2022	-89.84%	+35.74%
2021	+3.41%	+30.24%
2020	N/A	-2.95%
2019	N/A	+46.79%
2018	N/A	+8.40%
2017	N/A	+9.88%
2016	N/A	+28.14%
2015	N/A	+9.06%
2014	N/A	+23.20%
2013	N/A	+13.39%
2012	N/A	+14.12%
2011	N/A	+25.48%
2010	N/A	+12.85%
2009	N/A	-18.60%
2008	N/A	+7.55%
2007	N/A	-13.19%
2006	N/A	+6.98%
2005	N/A	+53.37%
2004	N/A	+33.74%
2003	N/A	+33.20%
2002	N/A	+13.56%
2001	N/A	+16.66%
2000	N/A	+135.53%
1999	N/A	-7.16%

AFRM vs WRB 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 WRB was -54.39%, occurring on Oct 9, 2008. Recovery took 1524 trading sessions.

The current AFRM drawdown is -52.83%. The current WRB drawdown is -5.17%.

Rank	AFRM	WRB
#1	-94.71% Nov 4, 2021 - Dec 27, 2022	-54.39% Apr 20, 2006 - May 8, 2012
#2	-65.45% Feb 11, 2021 - Oct 8, 2021	-45.35% Feb 19, 2020 - Apr 8, 2021
#3	-17.12% Jan 22, 2021 - Feb 8, 2021	-37.36% Nov 3, 1999 - Jul 27, 2000
#4	-9.22% Jan 15, 2021 - Jan 22, 2021	-26.29% Nov 30, 2022 - Jan 5, 2024
#5	-6.11% Oct 18, 2021 - Oct 25, 2021	-25.92% Dec 26, 2000 - Mar 9, 2001
#6	-6.06% Oct 29, 2021 - Nov 4, 2021	-23.20% May 1, 2002 - Jan 10, 2003
#7	-5.56% Oct 25, 2021 - Oct 28, 2021	-20.36% Mar 9, 2001 - Sep 28, 2001
#8	-4.36% Oct 8, 2021 - Oct 13, 2021	-17.63% Oct 14, 2025 - May 29, 2026
#9	-1.17% Oct 14, 2021 - Oct 18, 2021	-17.55% Aug 17, 2015 - Jun 30, 2016
#10	N/A	-16.41% Nov 6, 2001 - Apr 5, 2002
#11	N/A	-15.84% Apr 11, 2013 - May 7, 2014
#12	N/A	-14.70% Jun 7, 2022 - Oct 18, 2022
#13	N/A	-13.51% Mar 15, 2017 - Dec 28, 2017
#14	N/A	-13.33% Mar 28, 2024 - Aug 27, 2024
#15	N/A	-12.62% Oct 8, 2003 - Jan 12, 2004