Affirm Holdings, Inc. (AFRM) vs Principal Financial Group, Inc. (PFG)
A side-by-side comparison of Affirm Holdings, Inc. and Principal Financial Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 3, 2026. Differences are shown without an overall score or investment verdict.
Total return — AFRM vs PFG
growth of $100 · dividends reinvested · last 6yAFRM vs PFG: by the numbers
- •PFG is the larger company ($23.97B vs $23.70B market cap).
- •AFRM trades at the lower trailing earnings multiple (12.82 vs 15.93 P/E), one valuation lens rather than an overall verdict.
- •AFRM converts more revenue to profit (46.11% vs 9.86% net margin).
- •AFRM grew revenue faster over the past five years (36.90% vs 2.57% CAGR).
- •PFG pays a dividend (2.90% yield), while AFRM has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | AFRM | PFG |
|---|---|---|
| P/E ratio | 12.82 | 15.93 |
| Forward P/E | 35.62 | 11.66 |
| PEG ratio | N/A | 20.42 |
| P/S ratio | 5.66 | 1.53 |
| P/B ratio | 4.32 | 1.97 |
Profitability
| Metric | AFRM | PFG |
|---|---|---|
| Operating margin | 15.50% | 12.13% |
| Net margin | 46.11% | 9.86% |
| ROE | 35.19% | 12.74% |
Affirm Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Principal Financial Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | AFRM | PFG |
|---|---|---|
| Dividend yield | N/A | 2.90% |
| Payout ratio | N/A | 46.23% |
Growth (annualized)
| Metric | AFRM | PFG |
|---|---|---|
| Revenue CAGR (5Y) | 36.90% | 2.57% |
| EPS CAGR (5Y) | N/A | 0.93% |
| Total return CAGR (5Y) | -9.69% | 15.25% |
Frequently asked
- Which has the lower trailing P/E, AFRM or PFG?
- AFRM has the lower trailing P/E: AFRM trades at 12.82 and PFG at 15.93. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AFRM or PFG?
- Over the past five years, AFRM grew revenue faster — AFRM at a 36.90% CAGR versus PFG at 2.57%.
- Does AFRM or PFG pay a bigger dividend?
- PFG pays a dividend (2.90% yield), while AFRM has no payments in the available dividend history.
- Is AFRM or PFG more profitable?
- AFRM runs the higher net margin — AFRM at 46.11% versus PFG at 9.86%.
- How have AFRM and PFG total returns compared?
- Over the past 5 years, AFRM delivered -9.69% and PFG delivered 15.25% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Affirm & Principal Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 3, 2026.