VIV vs AFRM

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

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

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

VIV vs AFRM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

VIV

$23B

Winner

AFRM

$23B

Max Drawdown

Winner

VIV

82.53%

AFRM

94.71%

Sharpe Ratio

Winner

VIV

1.42

AFRM

0.74

5Y Beta

Winner

VIV

0.39

AFRM

2.43

Industry

VIV

Telecom Services

AFRM

Credit Services

P/E Ratio

Winner

VIV

18.95

AFRM

70.96

Forward P/E

Winner

VIV

12.69

AFRM

30.86

PEG Ratio

VIV

0.84

Winner

AFRM

0.61

Dividend Yield

VIV

6.86%

AFRM

N/A

5Y Dividends CAGR

VIV

-12.79%

AFRM

N/A

5Y EPS CAGR

VIV

8.54%

AFRM

N/A

Debt to Equity

Winner

VIV

28.59%

AFRM

234.55%

Free Cash Flow Yield

Winner

VIV

9.51%

AFRM

3.48%

P/S Ratio

Winner

VIV

0.37

AFRM

5.66

P/B Ratio

Winner

VIV

1.63

AFRM

5.94

VIV vs AFRM - Historical Returns

Returns include dividend reinvestment.

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

VIV

-12.66%

Winner

AFRM

+3.99%

VIV

-9.87%

Winner

AFRM

+31.49%

Winner

VIV

+12.13%

AFRM

+4.35%

Winner

VIV

+49.93%

AFRM

+42.21%

5Y(CAGR)

Winner

VIV

+17.80%

AFRM

+4.71%

10Y(CAGR)

VIV

+9.07%

AFRM

N/A

Max(CAGR)

Winner

VIV

+7.62%

AFRM

-6.68%

VIV vs AFRM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

VIV vs AFRM Drawdown Comparison

The maximum drawdown for VIV was -77.91%, occurring on Sep 26, 2001. Recovery took 1477 trading sessions.

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

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

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