Affirm Holdings, Inc. (AFRM) vs Regions Financial Corporation (RF)
A side-by-side comparison of Affirm Holdings, Inc. and Regions Financial Corporation 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 RF
growth of $100 · dividends reinvested · last 6yAFRM vs RF: by the numbers
- •AFRM is the larger company ($23.70B vs $23.13B market cap).
- •RF trades at the lower trailing earnings multiple (11.06 vs 12.82 P/E), one valuation lens rather than an overall verdict.
- •AFRM converts more revenue to profit (46.11% vs 23.33% net margin).
- •AFRM grew revenue faster over the past five years (36.90% vs 7.34% CAGR).
- •RF pays a dividend (4.04% yield), while AFRM has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | AFRM | RF |
|---|---|---|
| P/E ratio | 12.82 | 11.06 |
| Forward P/E | 35.62 | 10.27 |
| PEG ratio | N/A | 0.64 |
| P/S ratio | 5.66 | 2.42 |
| P/B ratio | 4.32 | 1.23 |
Profitability
| Metric | AFRM | RF |
|---|---|---|
| Operating margin | 15.50% | 29.77% |
| Net margin | 46.11% | 23.33% |
| ROE | 35.19% | 11.85% |
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.
Regions Financial Corporation: 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 | RF |
|---|---|---|
| Dividend yield | N/A | 4.04% |
| Payout ratio | N/A | 44.69% |
Growth (annualized)
| Metric | AFRM | RF |
|---|---|---|
| Revenue CAGR (5Y) | 36.90% | 7.34% |
| EPS CAGR (5Y) | N/A | 17.53% |
| Total return CAGR (5Y) | -9.69% | 8.92% |
Frequently asked
- Which has the lower trailing P/E, AFRM or RF?
- RF has the lower trailing P/E: AFRM trades at 12.82 and RF at 11.06. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AFRM or RF?
- Over the past five years, AFRM grew revenue faster — AFRM at a 36.90% CAGR versus RF at 7.34%.
- Does AFRM or RF pay a bigger dividend?
- RF pays a dividend (4.04% yield), while AFRM has no payments in the available dividend history.
- Is AFRM or RF more profitable?
- AFRM runs the higher net margin — AFRM at 46.11% versus RF at 23.33%.
- How have AFRM and RF total returns compared?
- Over the past 5 years, AFRM delivered -9.69% and RF delivered 8.92% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Affirm & Regions 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.