Affirm (NASDAQ:AFRM – Get Free Report) and Paypoint (OTCMKTS:PYPTF – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, risk, profitability, valuation, dividends, institutional ownership and analyst recommendations.
Valuation & Earnings
This table compares Affirm and Paypoint”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affirm | $3.24 billion | 7.95 | $52.19 million | $1.10 | 70.03 |
| Paypoint | $451.69 million | 1.20 | $52.72 million | N/A | N/A |
Volatility & Risk
Affirm has a beta of 3.71, suggesting that its share price is 271% more volatile than the S&P 500. Comparatively, Paypoint has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for Affirm and Paypoint, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Affirm | 0 | 7 | 22 | 2 | 2.84 |
| Paypoint | 0 | 0 | 0 | 0 | 0.00 |
Affirm presently has a consensus price target of $93.15, indicating a potential upside of 20.92%. Given Affirm’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Affirm is more favorable than Paypoint.
Profitability
This table compares Affirm and Paypoint’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Affirm | 9.63% | 11.17% | 3.14% |
| Paypoint | N/A | N/A | N/A |
Insider & Institutional Ownership
69.3% of Affirm shares are held by institutional investors. 11.0% of Affirm shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Summary
Affirm beats Paypoint on 12 of the 13 factors compared between the two stocks.
About Affirm
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging up to 60 months. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel and ticketing, apparel, accessories, consumer electronics, and jewelry. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
About Paypoint
PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom. The company operates through two segments: PayPoint and Love2shop. The PayPoint segment provides card payment services to retailers, including leased payment devices; EPoS; ATM cash machines; SIM cards sales; receipt advertising; bill payment services and cash top-ups to individual consumers; parcel delivery and collection services; retailer service fees solutions; and digital payment services, as well as cash through to digital services. The segment offers its products under PayPoint One, eMoney, MultiPay, CashOut, and Direct Debits platforms. The Love2shop segment is involved in the provision of shopping vouchers, cards, and e-codes which customers may redeem with participating retailers; and Christmas savings club, to which customers make regular payments throughout the year to help spread the cost of Christmas, before converting to a voucher. It serves consumers, SMEs, and convenience retailers in the commercial, not-for-profit, and public sectors. The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.
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