Affirm Holdings [AFRM] vs Oracle [ORCL] Detailed Stock Comparison

Affirm Holdings

NASDAQ
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Oracle

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Affirm Holdings wins in 6 metrics, Oracle wins in 13 metrics, with 0 ties. Oracle appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricAffirm HoldingsOracleBetter
P/E Ratio (TTM)498.8766.08Oracle
Price-to-Book Ratio7.9333.66Affirm Holdings
Debt-to-Equity Ratio255.89452.53Affirm Holdings
PEG Ratio159.21-35.02Oracle
EV/EBITDA166.6337.37Oracle
Profit Margin (TTM)1.62%21.08%Oracle
Operating Margin (TTM)6.53%31.38%Oracle
EBITDA Margin (TTM)6.53%31.38%Oracle
Return on Equity1.80%69.24%Oracle
Return on Assets (TTM)-0.53%7.15%Oracle
Free Cash Flow (TTM)$601.72M$-394.00MAffirm Holdings
Dividend YieldN/A0.81%N/A
1-Year Return61.13%65.89%Oracle
Price-to-Sales Ratio (TTM)7.5613.82Affirm Holdings
Enterprise Value$30.83B$914.26BOracle
EV/Revenue Ratio9.5615.49Affirm Holdings
Gross Profit Margin (TTM)67.72%67.28%Affirm Holdings
Revenue per Share (TTM)$10$21Oracle
Earnings per Share (Diluted)$0.15$4.33Oracle
Beta (Stock Volatility)3.581.53Oracle
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Affirm Holdings vs Oracle Stock Performance Analysis

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Affirm Holdings
Oracle
Affirm Holdings Stock Overview | Oracle Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Affirm Holdings1.38%-0.91%-11.67%6.50%101.92%21.36%
Oracle1.90%3.12%22.27%25.54%129.31%75.62%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Affirm Holdings61.13%339.26%-35.16%-35.16%-35.16%-35.16%
Oracle65.89%353.41%383.65%680.28%908.96%2,268.72%

News Based Sentiment: Affirm Holdings vs Oracle

Affirm Holdings

News based Sentiment: POSITIVE

Affirm demonstrated strong financial performance in Q4 2025 and strategically expanded its services into new sectors like healthcare and retail through key partnerships. While insider selling and some delinquency data warrant monitoring, the overall narrative is positive, supported by analyst upgrades and robust liquidity.

View Affirm Holdings News Sentiment Analysis

Oracle

News based Sentiment: MIXED

October was a pivotal month for Oracle, marked by a massive surge in RPO driven by the OpenAI partnership, but also overshadowed by concerns about rising debt, high valuation, and insider selling. The mixed analyst reactions and regulatory scrutiny add to the complexity, making it a significant month for investors to reassess the risk-reward profile.

View Oracle News Sentiment Analysis

Performance & Financial Health Analysis: Affirm Holdings vs Oracle

MetricAFRMORCL
Market Information
Market Cap i$24.90B$819.55B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i7,388,63028,166,510
90 Day Avg. Volume i9,751,79329,452,477
Last Close$75.86$291.59
52 Week Range$30.90 - $100.00$118.86 - $345.72
% from 52W High-24.14%-15.66%
All-Time High$176.65 (Nov 08, 2021)$345.72 (Sep 10, 2025)
% from All-Time High-57.06%-15.66%
Growth Metrics
Quarterly Revenue Growth0.33%0.12%
Quarterly Earnings Growth0.33%0.00%
Financial Health
Profit Margin (TTM) i0.02%0.21%
Operating Margin (TTM) i0.07%0.31%
Return on Equity (TTM) i0.02%0.69%
Debt to Equity (MRQ) i255.89452.53
Cash & Liquidity
Book Value per Share (MRQ)$9.44$8.50
Cash per Share (MRQ)$4.28$3.87
Operating Cash Flow (TTM) i$793.91M$21.53B
Levered Free Cash Flow (TTM) i$212.94M$-2,832,250,112
Dividends
Last 12-Month Dividend Yield iN/A0.81%
Last 12-Month Dividend iN/A$1.70

Valuation & Enterprise Metrics Analysis: Affirm Holdings vs Oracle

MetricAFRMORCL
Price Ratios
P/E Ratio (TTM) i498.8766.08
Forward P/E i159.2139.96
PEG Ratio i159.21-35.02
Price to Sales (TTM) i7.5613.82
Price to Book (MRQ) i7.9333.66
Market Capitalization
Market Capitalization i$24.90B$819.55B
Enterprise Value i$30.83B$914.26B
Enterprise Value Metrics
Enterprise to Revenue i9.5615.49
Enterprise to EBITDA i166.6337.37
Risk & Other Metrics
Beta i3.581.53
Book Value per Share (MRQ) i$9.44$8.50

Financial Statements Comparison: Affirm Holdings vs Oracle

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)AFRMORCL
Revenue/Sales i$876.42M$15.90B
Cost of Goods Sold i$282.95M$4.74B
Gross Profit i$593.47M$11.16B
Research & Development iN/A$2.65B
Operating Income (EBIT) i$163.98M$5.19B
EBITDA i$241.49M$7.00B
Pre-Tax Income i$71.58M$4.15B
Income Tax i$2.34M$725.00M
Net Income (Profit) i$69.24M$3.43B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)AFRMORCL
Cash & Equivalents i$1.35B$10.79B
Total Current Assets i$9.76B$24.58B
Total Current Liabilities i$180.10M$32.64B
Long-Term Debt i$7.85B$96.83B
Total Shareholders Equity i$3.07B$20.97B
Retained Earnings i$-3.06B$-15.48B
Property, Plant & Equipment i$19.12M$0

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)AFRMORCL
Operating Cash Flow i$-120.94M$5.93B
Capital Expenditures i$-51.12MN/A
Free Cash Flow i$23.52M$-2.92B
Debt Repayment i$-7.46B$-6.07B
Common Stock Repurchase i$0$-150.00M

Short Interest & Institutional Ownership Analysis

MetricAFRMORCL
Shares Short i17.01M23.58M
Short Ratio i1.680.97
Short % of Float i0.06%0.01%
Average Daily Volume (10 Day) i7,388,63028,166,510
Average Daily Volume (90 Day) i9,751,79329,452,477
Shares Outstanding i325.11M2.81B
Float Shares i271.56M1.67B
% Held by Insiders i0.05%0.41%
% Held by Institutions i0.82%0.45%

Dividend Analysis & Yield Comparison: Affirm Holdings vs Oracle

MetricAFRMORCL
Last 12-Month Dividend iN/A$1.70
Last 12-Month Dividend Yield iN/A0.81%
3-Year Avg Annual Dividend iN/A$1.55
3-Year Avg Dividend Yield iN/A0.36%
3-Year Total Dividends iN/A$4.66
Ex-Dividend DateN/AApr 10, 2025