Affirm vs Fiserv

Affirm Holdings and Fiserv Inc. are two prominent players in the financial services industry, albeit in different niches. Affirm is a fintech company that provides point-of-sale financing solutions, allowing consumers to make purchases in installments. On the other hand, Fiserv is a global provider of technology solutions for the financial services industry, offering a wide range of services including payment processing, banking solutions, and risk management. Both companies have seen significant growth in recent years, but investors may need to consider factors like market trends, competition, and financial performance when deciding between Affirm and Fiserv stocks.

Affirm or Fiserv?

When comparing Affirm and Fiserv, different investors may prioritize various metrics based on their investment strategies and goals. So, ask yourself what type of investor you are. This will guide you in determining which metrics are most important for your investment decision between Affirm and Fiserv.

Dividend Investors:

Dividend investors look for stable and growing income streams, using dividend metrics to assess potential investments. A company's dividend yield essentially measures the size of its dividend relative to the total market value of the company. Affirm has a dividend yield of -%, while Fiserv has a dividend yield of -%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. Affirm reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%. On the other hand, Fiserv reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%.

Value Investors:

Value investors focus on financial metrics to determine a stock's intrinsic value compared to its market value. The Price-to-Earnings (P/E) Ratio links stock price to a company's earnings per share, with Affirm P/E ratio at -29.16 and Fiserv's P/E ratio at 32.76. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. Affirm P/B ratio is 5.53 while Fiserv's P/B ratio is 4.02.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, Affirm has seen a 5-year revenue growth of 4.24%, while Fiserv's is 1.17%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with Affirm's ROE at -19.62% and Fiserv's ROE at 11.86%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are $47.23 for Affirm and $193.29 for Fiserv. Over the past year, Affirm's prices ranged from $15.97 to $52.48, with a yearly change of 228.55%. Fiserv's prices fluctuated between $109.12 and $195.83, with a yearly change of 79.46%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.