Affirm Holdings vs Euronet Worldwide
Affirm Holdings and Euronet Worldwide are similar in size: $4.26bn and $4.24bn of revenue in their latest fiscal years. Affirm Holdings grew faster (32.2% against 6.4%). Affirm Holdings kept more of each dollar of sales as profit: a net margin of 45.3% against 7.3%. Euronet Worldwide carries less debt relative to equity (154.6% against 179.6%).
| Latest fiscal year | Affirm HoldingsAFRM, 2026 | Euronet WorldwideEEFT, 2025 |
|---|---|---|
| Revenue | $4.26bn | $4.24bn |
| Revenue growth | 32.2% | 6.4% |
| Net income | $1.93bn | $310m |
| Operating margin | 9.8% | 12.5% |
| Net margin | 45.3% | 7.3% |
| Return on equity | 45.1% | 24.4% |
| Free cash flow | $993m | $434m |
| Cash | $1.63bn | $1.04bn |
| Total debt | $9.85bn | $2.02bn |
| Debt to equity | 179.6% | 154.6% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $0 | $668m |
| Employees | 2,358 | 10,000 |
| Market value | $25.73bn | $3.06bn |
| Price vs our value range | — | — |
| Moat score | 22 (Weak) | 59 (Moderate) |
| Insider trades, 12 months | 0 buys, 19 sales | 2 buys, 1 sales |