FCNCA vs AFRM

Comparison between First Citizens Bancshares Inc (NC) - Class A (FCNCA, Company) and Affirm Holdings Inc - Class A (AFRM, Company).

Both FCNCA and AFRM are from the Financial Services sector.

5-Year PerformanceFCNCA has outperformed AFRM, delivering a return of +20.2% compared to -0.4%

FCNCA vs AFRM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	FCNCA(COMPANY)	AFRM(COMPANY)
Market Cap	$25B	$21B
Max Drawdown	64.11%	94.71%
Sharpe Ratio	0.49	0.38
5Y Beta	1.08	N/A
Industry	Banks - Regional	Credit Services
P/E Ratio	12.58	66.40
Forward P/E	12.97	32.57
PEG Ratio	1.30	N/A
Dividend Yield	0.39%	N/A
5Y Dividends CAGR	35.78%	N/A
5Y EPS CAGR	34.75%	N/A
Debt to Equity	154.04%	234.55%
Free Cash Flow Yield	8.93%	3.72%
P/S Ratio	2.66	N/A
P/B Ratio	1.20	N/A

Market Cap

Winner

FCNCA

$25B

AFRM

$21B

Max Drawdown

Winner

FCNCA

64.11%

AFRM

94.71%

Sharpe Ratio

Winner

FCNCA

0.49

AFRM

0.38

5Y Beta

FCNCA

1.08

AFRM

N/A

Industry

FCNCA

Banks - Regional

AFRM

Credit Services

P/E Ratio

Winner

FCNCA

12.58

AFRM

66.40

Forward P/E

Winner

FCNCA

12.97

AFRM

32.57

PEG Ratio

FCNCA

1.30

AFRM

N/A

Dividend Yield

FCNCA

0.39%

AFRM

N/A

5Y Dividends CAGR

FCNCA

35.78%

AFRM

N/A

5Y EPS CAGR

FCNCA

34.75%

AFRM

N/A

Debt to Equity

Winner

FCNCA

154.04%

AFRM

234.55%

Free Cash Flow Yield

Winner

FCNCA

8.93%

AFRM

3.72%

P/S Ratio

FCNCA

2.66

AFRM

N/A

P/B Ratio

FCNCA

1.20

AFRM

N/A

FCNCA vs AFRM - Historical Returns

Returns include dividend reinvestment.

Period	FCNCA	AFRM
1 month	+10.38%	+0.06%
3 months	+14.01%	+30.91%
6 months	+1.90%	-3.68%
1 year	+13.63%	+4.71%
5 years(CAGR)	+20.23%	-0.44%
10 years(CAGR)	+24.14%	N/A
Max(CAGR)	+13.99%	-6.79%

Winner

FCNCA

+10.38%

AFRM

+0.06%

FCNCA

+14.01%

Winner

AFRM

+30.91%

Winner

FCNCA

+1.90%

AFRM

-3.68%

Winner

FCNCA

+13.63%

AFRM

+4.71%

5Y(CAGR)

Winner

FCNCA

+20.23%

AFRM

-0.44%

10Y(CAGR)

FCNCA

+24.14%

AFRM

N/A

Max(CAGR)

Winner

FCNCA

+13.99%

AFRM

-6.79%

FCNCA vs AFRM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	FCNCA	AFRM
2026	-1.72%	-10.19%
2025	+2.49%	+19.07%
2024	+47.39%	+30.69%
2023	+89.46%	+440.00%
2022	-11.55%	-89.84%
2021	+46.31%	+3.41%
2020	+7.28%	N/A
2019	+40.73%	N/A
2018	-6.47%	N/A
2017	+13.91%	N/A
2016	+42.96%	N/A
2015	+3.51%	N/A
2014	+14.62%	N/A
2013	+33.71%	N/A
2012	-8.09%	N/A
2011	-8.71%	N/A
2010	+11.87%	N/A
2009	+8.50%	N/A
2008	+7.72%	N/A
2007	-29.39%	N/A
2006	+12.90%	N/A
2005	+21.61%	N/A
2004	+22.65%	N/A
2003	+23.99%	N/A
2002	-0.61%	N/A
2001	+23.69%	N/A
2000	+18.67%	N/A
1999	-8.79%	N/A

FCNCA vs AFRM Drawdown Comparison

The maximum drawdown for FCNCA was -63.51%, occurring on Mar 6, 2009. Recovery took 917 trading sessions.

The maximum drawdown for AFRM was -94.71%, occurring on Dec 27, 2022. This drawdown has not yet recovered.

The current FCNCA drawdown is -9.39%. The current AFRM drawdown is -60.54%.

Rank	FCNCA	AFRM
#1	-63.51% Jul 25, 2006 - Mar 17, 2010	-94.71% Nov 4, 2021 - Dec 27, 2022
#2	-47.49% Jan 30, 2020 - Nov 9, 2020	-65.45% Feb 11, 2021 - Oct 8, 2021
#3	-43.63% Sep 2, 2021 - Mar 28, 2023	-17.12% Jan 22, 2021 - Feb 8, 2021
#4	-33.93% Mar 17, 2010 - Jul 18, 2013	-9.22% Jan 15, 2021 - Jan 22, 2021
#5	-33.51% Nov 22, 2024 - Apr 8, 2025	-6.11% Oct 18, 2021 - Oct 25, 2021
#6	-26.59% Jul 5, 2001 - Apr 30, 2002	-6.06% Oct 29, 2021 - Nov 4, 2021
#7	-26.35% Nov 3, 1999 - Dec 13, 2000	-5.56% Oct 25, 2021 - Oct 28, 2021
#8	-24.39% Aug 24, 2018 - Sep 12, 2019	-4.36% Oct 8, 2021 - Oct 13, 2021
#9	-20.61% May 22, 2002 - Jul 31, 2003	-1.17% Oct 14, 2021 - Oct 18, 2021
#10	-19.04% Jun 12, 2014 - Dec 5, 2014	N/A
#11	-18.88% Jul 14, 2015 - Jul 14, 2016	N/A
#12	-16.86% Feb 16, 2005 - Jul 5, 2005	N/A
#13	-16.51% Jun 8, 2021 - Aug 27, 2021	N/A
#14	-16.42% Dec 9, 2014 - Jul 13, 2015	N/A
#15	-15.35% Jan 25, 2017 - Jul 3, 2017	N/A