FlexShopper vs Affirm Which Performs Better?

FlexShopper and Affirm are two leading companies in the buy now, pay later industry, revolutionizing the way consumers make big purchases. FlexShopper offers a flexible lease-to-own model, while Affirm provides simple and transparent installment plans. Both companies have seen significant growth in their stock prices, with FlexShopper appealing to budget-conscious consumers and Affirm catering to a more tech-savvy clientele. Investors are closely watching these stocks as the buy now, pay later trend continues to gain popularity.

FlexShopper or Affirm?

When comparing FlexShopper and Affirm, 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 FlexShopper and Affirm.

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. FlexShopper has a dividend yield of -%, while Affirm has a dividend yield of -%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. FlexShopper reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%. On the other hand, Affirm 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 FlexShopper P/E ratio at 44.21 and Affirm's P/E ratio at -50.42. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. FlexShopper P/B ratio is 1.34 while Affirm's P/B ratio is 7.93.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, FlexShopper has seen a 5-year revenue growth of -0.27%, while Affirm's is 4.24%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with FlexShopper's ROE at 3.12% and Affirm's ROE at -16.49%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are $1.77 for FlexShopper and $67.78 for Affirm. Over the past year, FlexShopper's prices ranged from $0.97 to $2.19, with a yearly change of 125.77%. Affirm's prices fluctuated between $22.25 and $72.82, with a yearly change of 227.28%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.