Which has the lower trailing P/E, AFRM or WTW?

AFRM has the lower trailing P/E: AFRM trades at 12.82 and WTW at 17.75. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, AFRM or WTW?

Over the past five years, AFRM grew revenue faster — AFRM at a 36.90% CAGR versus WTW at 2.38%.

Does AFRM or WTW pay a bigger dividend?

WTW pays a dividend (1.30% yield), while AFRM has no payments in the available dividend history.

Is AFRM or WTW more profitable?

AFRM runs the higher net margin — AFRM at 46.11% versus WTW at 15.49%.

How have AFRM and WTW total returns compared?

Over the past 5 years, AFRM delivered -9.69% and WTW delivered 5.07% annualized total return. Past performance doesn't predict future results.

Affirm Holdings, Inc. (AFRM) vs Willis Towers Watson Public Limited Company (WTW)

A side-by-side comparison of Affirm Holdings, Inc. and Willis Towers Watson Public Limited Company across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 4, 2026. Differences are shown without an overall score or investment verdict.

AFRM

Affirm Holdings, Inc.

$23.70B

$70.77Financial ServicesDelayed quote: Oct 2, 2026, 4:00 PM EDT

WTW

Willis Towers Watson Public Limited Company

$26.80B

$288.61Financial ServicesDelayed quote: Oct 2, 2026, 4:00 PM EDT

Total return — AFRM vs WTW

growth of $100 · dividends reinvested · last 6y

AFRM -27.2% (-5.2%/yr)WTW +52.4% (+7.3%/yr)WTW compounded faster over this window

AFRM WTW

AFRM vs WTW: by the numbers

•WTW is the larger company ($26.80B vs $23.70B market cap).
•AFRM trades at the lower trailing earnings multiple (12.82 vs 17.75 P/E), one valuation lens rather than an overall verdict.
•AFRM converts more revenue to profit (46.11% vs 15.49% net margin).
•AFRM grew revenue faster over the past five years (36.90% vs 2.38% CAGR).
•WTW pays a dividend (1.30% yield), while AFRM has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	AFRM	WTW
P/E ratio	12.82	17.75
Forward P/E	35.62	14.57
PEG ratio	N/A	1.09
P/S ratio	5.66	2.65
P/B ratio	4.32	3.49
EV / EBITDA	N/A	12.30
FCF yield	N/A	6.32%

Profitability

Metric	AFRM	WTW
Gross margin	N/A	42.06%
Operating margin	15.50%	22.23%
Net margin	46.11%	15.49%
ROE	35.19%	20.36%
ROIC	N/A	11.16%

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.

Dividends

Metric	AFRM	WTW
Dividend yield	N/A	1.30%
Payout ratio	N/A	23.12%

Growth (annualized)

Metric	AFRM	WTW
Revenue CAGR (5Y)	36.90%	2.38%
EPS CAGR (5Y)	N/A	16.30%
FCF CAGR (5Y)	N/A	6.61%
Total return CAGR (5Y)	-9.69%	5.07%

Frequently asked

Which has the lower trailing P/E, AFRM or WTW?: AFRM has the lower trailing P/E: AFRM trades at 12.82 and WTW at 17.75. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, AFRM or WTW?: Over the past five years, AFRM grew revenue faster — AFRM at a 36.90% CAGR versus WTW at 2.38%.
Does AFRM or WTW pay a bigger dividend?: WTW pays a dividend (1.30% yield), while AFRM has no payments in the available dividend history.
Is AFRM or WTW more profitable?: AFRM runs the higher net margin — AFRM at 46.11% versus WTW at 15.49%.
How have AFRM and WTW total returns compared?: Over the past 5 years, AFRM delivered -9.69% and WTW delivered 5.07% annualized total return. Past performance doesn't predict future results.

Go deeper

Full AFRM analysis Full WTW analysis Interactive comparison tool

Dig into the metrics

Affirm P/E ratio Willis Towers Watson Public P/E ratio Willis Towers Watson Public dividend yield Affirm ROE Willis Towers Watson Public ROE Affirm operating margin Willis Towers Watson Public operating margin Affirm revenue growth Willis Towers Watson Public revenue growth Willis Towers Watson Public free cash flow

Affirm & Willis Towers Watson Public appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest FCF Yield Stocks Lowest P/E Ratio Stocks

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 4, 2026.