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

Affirm Holdings Inc.

NASDAQ
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Oracle Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Affirm Holdings Inc. wins in 7 metrics, Oracle Corporation wins in 13 metrics, with 0 ties. Oracle Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Affirm Holdings Inc. Oracle Corporation Better
P/E Ratio (TTM) 79.75 31.65 Oracle Corporation
Price-to-Book Ratio 6.05 15.11 Affirm Holdings Inc.
Debt-to-Equity Ratio 258.87 415.27 Affirm Holdings Inc.
PEG Ratio 1.42 1.38 Oracle Corporation
EV/EBITDA 55.28 23.16 Oracle Corporation
Profit Margin (TTM) 7.60% 25.30% Oracle Corporation
Operating Margin (TTM) 10.47% 32.68% Oracle Corporation
EBITDA Margin (TTM) 10.47% 32.68% Oracle Corporation
Return on Equity 8.92% 57.57% Oracle Corporation
Return on Assets (TTM) 1.23% 6.34% Oracle Corporation
Free Cash Flow (TTM) $601.72M $-394.00M Affirm Holdings Inc.
Dividend Yield N/A 1.01% N/A
1-Year Return 11.94% -14.45% Affirm Holdings Inc.
Price-to-Sales Ratio (TTM) 5.79 7.91 Affirm Holdings Inc.
Enterprise Value $29.14B $635.53B Oracle Corporation
EV/Revenue Ratio 7.84 9.92 Affirm Holdings Inc.
Gross Profit Margin (TTM) 69.42% 64.56% Affirm Holdings Inc.
Revenue per Share (TTM) $11 $23 Oracle Corporation
Earnings per Share (Diluted) $0.81 $5.57 Oracle Corporation
Beta (Stock Volatility) 3.63 1.60 Oracle Corporation
Short % of Float 5.90% 1.62% Oracle Corporation

Affirm Holdings Inc. vs Oracle Corporation Stock Performance Analysis

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AFRM
ORCL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Affirm Holdings Inc.-4.72%-8.81%-2.05%17.94%6.99%2.76%
Oracle Corporation4.62%-9.05%-0.16%23.51%4.17%-1.57%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Affirm Holdings Inc.11.94%296.94%-2.95%-43.44%-43.44%-43.44%
Oracle Corporation-14.45%46.76%141.55%364.04%490.54%1,197.60%

Performance & Financial Health Analysis: Affirm Holdings Inc. vs Oracle Corporation

MetricAFRMORCL
Market Information
Market Cap i$20.98B$498.36B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i5,814,57140,165,144
90 Day Avg. Volume i5,354,71428,439,468
Last Close$76.07$192.64
52 Week Range$42.10 - $100.00$134.57 - $345.72
% from 52W High-23.93%-44.28%
All-Time High$176.65 (Nov 08, 2021)$345.72 (Sep 10, 2025)
% from All-Time High-56.94%-44.28%
Growth Metrics
Quarterly Revenue Growth0.30%0.22%
Quarterly Earnings Growth0.61%0.27%
Financial Health
Profit Margin (TTM) i0.08%0.25%
Operating Margin (TTM) i0.10%0.33%
Return on Equity (TTM) i0.09%0.58%
Debt to Equity (MRQ) i258.87415.27
Cash & Liquidity
Book Value per Share (MRQ)$10.68$11.67
Cash per Share (MRQ)$4.70$13.61
Operating Cash Flow (TTM) i$833.33M$23.51B
Levered Free Cash Flow (TTM) i$457.45M$-22,298,499,072
Dividends
Last 12-Month Dividend Yield iN/A1.01%
Last 12-Month Dividend iN/A$2.00

Valuation & Enterprise Metrics Analysis: Affirm Holdings Inc. vs Oracle Corporation

MetricAFRM (Apr 24, 2026)ORCL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i79.7531.65
Forward P/E i18.3922.08
PEG Ratio i1.421.38
Price to Sales (TTM) i5.797.91
Price to Book (MRQ) i6.0515.11
Market Capitalization
Market Capitalization i$20.98B$498.36B
Enterprise Value i$29.14B$635.53B
Enterprise Value Metrics
Enterprise to Revenue i7.849.92
Enterprise to EBITDA i55.2823.16
Risk & Other Metrics
Beta i3.631.60
Book Value per Share (MRQ) i$10.68$11.67

Financial Statements Comparison: Affirm Holdings Inc. vs Oracle Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricAFRM (2025)ORCL (2025)
Revenue/Sales i3.22B57.40B
Cost of Goods Sold i1.05B16.93B
COGS % of Revenue i32.5%29.5%
Gross Profit i2.18B40.47B
Gross Margin i67.5%70.5%
Research & Development iN/A9.86B
Operating Income (EBIT) i337.99M18.05B
Operating Margin i10.5%31.5%
EBITDA i711.81M24.71B
EBITDA Margin i22.1%43.1%
Pre-Tax Income i61.46M14.16B
Pre-Tax Income % of Revenue i1.9%24.7%
Income Tax i9.28M1.72B
Income Tax % of Revenue i0.3%3.0%
Net Income (Profit) i52.19M12.44B
Profit Margin i1.6%21.7%

Balance Sheet & Liquidity Metrics

MetricAFRM (2025)ORCL (2025)
Cash & Equivalents i1.35B10.79B
Total Current Assets i9.76B24.58B
Total Current Assets % of Revenue i302.6%42.8%
Total Current Liabilities i180.10M32.64B
Total Current Liabilities % of Revenue i5.6%56.9%
Long-Term Debt i7.85B96.83B
Long-Term Debt % of Revenue i243.6%168.7%
Total Shareholders Equity i3.07B20.97B
Retained Earnings i-3.06B-15.48B
Retained Earnings % of Revenue i-94.8%-27.0%
Property, Plant & Equipment i19.12M0

Cash Flow Statement Comparison

MetricAFRM (2025)ORCL (2025)
Operating Cash Flow i26.61M21.21B
Operating Cash Flow % of Revenue i0.8%37.0%
Capital Expenditures i-192.19MN/A
Free Cash Flow i601.72M-394.00M
FCF Margin i18.7%-0.7%
Debt Repayment i-22.29B-15.84B
Common Stock Repurchase i-250.00M-1.50B

Short Interest & Institutional Ownership Analysis

MetricAFRMORCL
Shares Short i17.10M27.67M
Short Ratio i3.031.00
Short % of Float i5.90%1.62%
Shares Outstanding i332.21M2.88B
Float Shares i279.34M1.71B
% Held by Insiders i4.36%40.55%
% Held by Institutions i85.34%44.43%
% Held by Public i10.30%15.02%

Dividend Analysis & Yield Comparison: Affirm Holdings Inc. vs Oracle Corporation

MetricAFRMORCL
Last 12-Month Dividend iN/A$2.00
Last 12-Month Dividend Yield iN/A1.01%
3-Year Avg Annual Dividend iN/A$1.73
3-Year Avg Dividend Yield iN/A0.30%
3-Year Total Dividends iN/A$5.20
Ex-Dividend DateN/AJan 09, 2026