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 StoneCo Ltd., Affirm Holdings 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 StoneCo Ltd., Affirm Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About StoneCo Ltd., Affirm Holdings and Inc.

StoneCo Ltd. provides financial technology and software solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. The company provides financial services, including payment, prepayment, digital banking, and credit solutions. It offers payment solutions of electronic payments and alternative payment methods, such as payment slips and Pix transactions; digital product to help merchants improve their consumers’ experience, which include split-payment processing, multi-payment processing, and recurring payments for subscriptions; and tap on phone solution. In addition, the company provides prepayment; digital banking; and credit solution. The company serves online, offline, and omni-channel sales clients under Stone, tonstone, and paggar.me. StoneCo Ltd. was founded in 2012 and is based in George Town, the Cayman Islands.

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.

Latest Financial Services and StoneCo Ltd., Affirm Holdings, Inc. Stock News

As of September 2, 2026, StoneCo Ltd. had a $2.4 billion market capitalization, compared to the Financial Services median of $2.3 million. StoneCo Ltd.’s stock is down 30.2% in 2026, up 7.9% in the previous five trading days and down 36.3% in the past year.

Currently, StoneCo Ltd.’s price-earnings ratio is 4.0. StoneCo Ltd.’s trailing 12-month revenue is $2.6 billion with a 24.7% net profit margin. Year-over-year quarterly sales growth most recently was 6.8%. Analysts expect adjusted earnings to reach $1.965 per share for the current fiscal year. StoneCo Ltd. does not currently pay a dividend.

As of September 2, 2026, Affirm Holdings, Inc. had a $25.0 billion market cap, putting it in the 88th percentile of all stocks. Affirm Holdings, Inc.’s stock is down 0.2% in 2026, down 4.1% in the previous five trading days and down 9.89% in the past year.

Currently, Affirm Holdings, Inc.’s price-earnings ratio is 13.4. 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 $3.960 per share for the current fiscal year. Affirm Holdings, Inc. does not currently pay a dividend.

How We Compare StoneCo Ltd., Affirm Holdings 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 StoneCo Ltd., Affirm Holdings and Inc.’s stock grades to see how they measure up against one another.

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StoneCo Ltd., Affirm Holdings and Inc. Stock Value Grades

Company	Ticker	Value
StoneCo Ltd.	STNE	A
Affirm Holdings, Inc.	AFRM	F

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

StoneCo Ltd. has a Value Score of 99, which is Deep Value. Affirm Holdings, Inc. has a Value Score of 20, which is Ultra Expensive.

The Value Stock Winner: StoneCo Ltd.

As you can clearly see from the Value Grade breakdown above, StoneCo Ltd. is considered to have better value than Affirm Holdings, Inc.. For investors who focus solely on a company’s valuation, StoneCo Ltd. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

StoneCo Ltd., Affirm Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
StoneCo Ltd.	STNE	F
Affirm Holdings, Inc.	AFRM	D

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%.

StoneCo Ltd. has a Momentum Score of 20, which is Very Weak. Affirm Holdings, Inc. has a Momentum Score of 40, which is Weak.

The Momentum Stock Winner: No Clear Winner

Neither StoneCo Ltd., Affirm Holdings or Inc. has a strong enough Momentum Grade to be considered a “winner.” Investors 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 StoneCo Ltd., Affirm Holdings or Inc. is the better investment when it comes to momentum.

StoneCo Ltd., Affirm Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
StoneCo Ltd.	STNE	D
Affirm Holdings, Inc.	AFRM	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.

StoneCo Ltd. has a Earnings Estimate Score of 24, which is Negative. Affirm Holdings, Inc. has a Earnings Estimate Score of 64, which is Positive.

The Earnings Estimate Revisions Grade Winner: Affirm Holdings, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Affirm Holdings, Inc. has a better Earnings Estimate Revisions Grade than StoneCo Ltd.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Affirm Holdings, 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 StoneCo Ltd., Affirm Holdings and Inc. Grades

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

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.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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 StoneCo Ltd., Affirm Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, StoneCo Ltd., Affirm Holdings or Inc. Stock?

Overall, StoneCo Ltd. stock has a Value Score of 99, Momentum Score of 20 and Estimate Revisions Score of 24.

Affirm Holdings, Inc. stock has a Value Score of 20, Momentum Score of 40 and Estimate Revisions Score of 64.

Comparing StoneCo Ltd., Affirm Holdings 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.