Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Affirm Holdings, Inc., Robinhood Markets or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Affirm Holdings, Inc., Robinhood Markets and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Affirm Holdings, Inc., Robinhood Markets and Inc.

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company’s commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company’s merchants represent a range of industries, including electronics; equipment and auto; fashion and beauty; general merchandise; home and lifestyle services; sporting goods and outdoors; and travel and ticketing. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

Robinhood Markets, Inc. operates financial services platform in the United States. The company’s platform allows users to invest in stocks, exchange-traded funds (ETFs), and American depository receipts. It offers fractional trading, recurring investments, access to investing on margin, fully-paid securities lending, cash sweep, instant withdrawals, retirement program, around-the-clock trading, joint investing accounts, event contracts, future contract services, and short selling. The company also provides various learning and education solutions comprise Snacks, an accessible digest of business news stories for a new generation of investors; Learn, which is an online collection of guides, feature tutorials, and financial dictionary; Newsfeeds that offer access to free, premium news from sites from various sites, such as Barron’s, Reuters, and Dow Jones. In addition, the company offers In-App Education, a resource that covers investing fundamentals, including why people invest, a stock market overview, and tips on how to define investing goals, as well as allows customers to understand the basics of investing before their first trade; and Crypto Learn and Earn, an educational module available to various crypto customers through Robinhood Learn to teach customers the basics related to cryptocurrency. Further, it provides Robinhood credit cards, cash card and spending accounts, and wallets. Robinhood Markets, Inc. was incorporated in 2013 and is headquartered in Menlo Park, California.

Latest Financial Services and Affirm Holdings, Inc., Robinhood Markets, Inc. Stock News

As of September 1, 2026, Affirm Holdings, Inc. had a $23.6 billion market capitalization, compared to the Financial Services median of $2.3 million. Affirm Holdings, Inc.’s stock is NA in 2026, NA in the previous five trading days and down 20.94% in the past year.

Currently, Affirm Holdings, Inc.’s price-earnings ratio is 12.6. Affirm Holdings, Inc.’s trailing 12-month revenue is $4.3 billion with a 45.3% net profit margin. Year-over-year quarterly sales growth most recently was 33.0%. Analysts expect adjusted earnings to reach $3.248 per share for the current fiscal year. Affirm Holdings, Inc. does not currently pay a dividend.

Currently, Robinhood Markets, Inc.’s price-earnings ratio is 45.8. Robinhood Markets, Inc.’s trailing 12-month revenue is $4.9 billion with a 42.0% net profit margin. Year-over-year quarterly sales growth most recently was 32.3%. Analysts expect adjusted earnings to reach $2.515 per share for the current fiscal year. Robinhood Markets, Inc. does not currently pay a dividend.

How We Compare Affirm Holdings, Inc., Robinhood Markets and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Affirm Holdings, Inc., Robinhood Markets and Inc.’s stock grades to see how they measure up against one another.

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Affirm Holdings, Inc., Robinhood Markets and Inc.’s Quality Grades

Company	Ticker	Quality
Affirm Holdings, Inc.	AFRM	D
Robinhood Markets, Inc.	HOOD	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Affirm Holdings, Inc. has a Quality Score of 39, which is Weak. Robinhood Markets, Inc. has a Quality Score of 31, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Affirm Holdings, Inc., Robinhood Markets or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Affirm Holdings, Inc., Robinhood Markets or Inc. is the better investment when it comes to quality.

Affirm Holdings, Inc., Robinhood Markets and Inc.’s Momentum Grades

Company	Ticker	Momentum
Affirm Holdings, Inc.	AFRM	D
Robinhood Markets, Inc.	HOOD	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Affirm Holdings, Inc. has a Momentum Score of 37, which is Weak. Robinhood Markets, Inc. has a Momentum Score of 67, which is Strong.

The Momentum Grade Winner: Robinhood Markets, Inc.

As you can clearly see from the Momentum Grade breakdown above, Robinhood Markets, Inc. is considered to have stronger momentum compared to Affirm Holdings, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Robinhood Markets, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Affirm Holdings, Inc., Robinhood Markets and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Affirm Holdings, Inc.	AFRM	C
Robinhood Markets, Inc.	HOOD	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Affirm Holdings, Inc. has a Earnings Estimate Score of 41, which is Neutral. Robinhood Markets, Inc. has a Earnings Estimate Score of 67, which is Positive.

The Earnings Estimate Revisions Grade Winner: Robinhood Markets, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Robinhood Markets, Inc. has a better Earnings Estimate Revisions Grade than Affirm Holdings, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Robinhood Markets, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Affirm Holdings, Inc., Robinhood Markets and Inc. Grades

In addition to Momentum, Estimate Revisions and Quality, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Affirm Holdings, Inc., Robinhood Markets and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Affirm Holdings, Inc., Robinhood Markets or Inc. Stock?

Overall, Affirm Holdings, Inc. stock has a Momentum Score of 37, Estimate Revisions Score of 41 and Quality Score of 39.

Robinhood Markets, Inc. stock has a Momentum Score of 67, Estimate Revisions Score of 67 and Quality Score of 31.

Comparing Affirm Holdings, Inc., Robinhood Markets and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.