AFRM vs AXP
Affirm Holdings, Inc. and American Express Co., side by side — 8 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | AFRM | AXP |
|---|---|---|
| Revenue | $4.3B | $72.2B |
| Net income | $1.9B | $10.8B |
| Gross margin | — | — |
| Net margin | 45.3% | 15.0% |
| Return on equity | 45.1% | 34.0% |
| Diluted EPS | $5.53 | $15.38 |
| Dividend / share | — | $3.28 |
| Payout ratio | — | 21.0% |
| Free cash flow | $992.6M | $16.0B |
| Equity | $5.5B | $33.5B |
| Net debt / equity | 1.49× | 0.30× |
| Current ratio | — | — |
| Revenue CAGR 5y | 37.4% | 14.9% |
| Profit CAGR 5y | — | 28.1% |
AXP bills 17.0× the revenue of AFRM, and AFRM keeps more of each dollar of revenue as profit (45.3% against 15.0%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
8 years side by side
| Fiscal year | AFRM | AXP |
|---|---|---|
| FY2025 | $4.3B | $72.2B |
| FY2024 | $3.2B | $65.9B |
| FY2023 | $2.3B | $60.5B |
| FY2022 | $1.6B | $52.9B |
| FY2021 | $1.3B | $42.4B |
| FY2020 | $870.5M | $36.1B |
| FY2019 | $509.5M | $43.6B |
| FY2018 | $264.4M | $40.3B |
Net income by year
Bottom line
| Fiscal year | AFRM | AXP |
|---|---|---|
| FY2025 | $1.9B | $10.8B |
| FY2024 | $52.2M | $10.1B |
| FY2023 | $-517.8M | $8.4B |
| FY2022 | $-985.3M | $7.5B |
| FY2021 | $-707.4M | $8.1B |
| FY2020 | $-441.0M | $3.1B |
| FY2019 | $-112.6M | $6.8B |
| FY2018 | $-120.5M | $6.9B |