BB Seguridade Participacoes (OTCMKTS:BBSEY – Get Free Report) and Affirm (NASDAQ:AFRM – Get Free Report) are both large-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, risk, valuation and analyst recommendations.
Insider and Institutional Ownership
0.0% of BB Seguridade Participacoes shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 11.0% of Affirm shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Profitability
This table compares BB Seguridade Participacoes and Affirm’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BB Seguridade Participacoes | 87.94% | 79.22% | 43.59% |
| Affirm | 45.29% | 47.91% | 14.46% |
Valuation & Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BB Seguridade Participacoes | $1.85 billion | 8.63 | $1.61 billion | $0.90 | 9.14 |
| Affirm | $4.26 billion | 6.17 | $1.93 billion | $5.52 | 14.11 |
Affirm has higher revenue and earnings than BB Seguridade Participacoes. BB Seguridade Participacoes is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
BB Seguridade Participacoes has a beta of 0.39, suggesting that its share price is 61% less volatile than the S&P 500. Comparatively, Affirm has a beta of 3.82, suggesting that its share price is 282% more volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current recommendations for BB Seguridade Participacoes and Affirm, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BB Seguridade Participacoes | 1 | 3 | 0 | 0 | 1.75 |
| Affirm | 0 | 8 | 24 | 0 | 2.75 |
Affirm has a consensus target price of $97.69, suggesting a potential upside of 25.42%. Given Affirm’s stronger consensus rating and higher possible upside, analysts plainly believe Affirm is more favorable than BB Seguridade Participacoes.
Summary
Affirm beats BB Seguridade Participacoes on 10 of the 14 factors compared between the two stocks.
About BB Seguridade Participacoes
BB Seguridade Participações S.A., through its subsidiaries operates in the insurance, pension plans, and bonds, businesses in Brazil. The company operates through Security and Brokerage segments. The Security segment offers life, property, rural, special risks and financial, transport, hulls, and housing people insurance products. It also offers pension plans, dental, and capitalization plans. The Brokerage segment engages in the brokerage, management, and promotion of pension plans, capitalization, capitalization, and dental plans. BB Seguridade Participações S.A. was incorporated in 2012 and is headquartered in Brasilia, Brazil. BB Seguridade Participações S.A. operates as a subsidiary of Banco do Brasil S.A.
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.
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