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., Block, Inc., Block 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., Block, Inc., Block and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Affirm Holdings, Inc., Block, Inc., Block and Inc.

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. 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 sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally. It operates through two segments: Square and Cash App. The Square segment offers managed payment services; software solutions; hardware products, such as registers, terminals, stands, and readers for contactless and chips; banking services consisting of lending, instant transfer, and checking and savings accounts; and full-service setup and support services. This segment also provides loyalty, marketing, team management, and payroll services; and gift cards. It also offers Square Handheld, a portable point-of sale device for transaction purposes. The Cash App segment offers financial tools, including peer-to-peer payments, bitcoin, and stock investment brokerage; Cash App Card, a debit card; Cash App Pay, mobile-friendly way for cash app customers to pay at merchants across online and in-person channels; direct deposit, stock brokerage, and tax preparation services; and Afterpay, a buy now, pay later platform. In addition, the company operates TIDAL, a platform for musicians and fans; TBD, an open developer platform focused on making the decentralized financial world accessible; Bitkey, a self-custody bitcoin wallet; and proto. The company was formerly known as Square, Inc. and changed its name to Block, Inc. in December 2021. Block, Inc. was incorporated in 2009 and is based in Oakland, California.

Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally. It operates through two segments: Square and Cash App. The Square segment offers managed payment services; software solutions; hardware products, such as registers, terminals, stands, and readers for contactless and chips; banking services consisting of lending, instant transfer, and checking and savings accounts; and full-service setup and support services. This segment also provides loyalty, marketing, team management, and payroll services; and gift cards. It also offers Square Handheld, a portable point-of sale device for transaction purposes. The Cash App segment offers financial tools, including peer-to-peer payments, bitcoin, and stock investment brokerage; Cash App Card, a debit card; Cash App Pay, mobile-friendly way for cash app customers to pay at merchants across online and in-person channels; direct deposit, stock brokerage, and tax preparation services; and Afterpay, a buy now, pay later platform. In addition, the company operates TIDAL, a platform for musicians and fans; TBD, an open developer platform focused on making the decentralized financial world accessible; Bitkey, a self-custody bitcoin wallet; and proto. The company was formerly known as Square, Inc. and changed its name to Block, Inc. in December 2021. Block, Inc. was incorporated in 2009 and is based in Oakland, California.

Latest Financial Services and Affirm Holdings, Inc., Block, Inc. Stock News

As of August 20, 2026, Affirm Holdings, Inc. had a $25.1 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 up 1.58% in the past year.

Currently, Affirm Holdings, Inc.’s price-earnings ratio is 70.9. Affirm Holdings, Inc.’s trailing 12-month revenue is $4.0 billion with a 9.6% net profit margin. Year-over-year quarterly sales growth most recently was 32.7%. Analysts expect adjusted earnings to reach $3.084 per share for the current fiscal year. Affirm Holdings, Inc. does not currently pay a dividend.

Currently, Block, Inc.’s price-earnings ratio is 136.2. Block, Inc.’s trailing 12-month revenue is $25.0 billion with a 1.4% net profit margin. Year-over-year quarterly sales growth most recently was 9.3%. Analysts expect adjusted earnings to reach $4.055 per share for the current fiscal year. Block, Inc. does not currently pay a dividend.

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

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Affirm Holdings, Inc., Block, Inc., Block and Inc. Growth Grades

Company	Ticker	Growth
Affirm Holdings, Inc.	AFRM	D
Block, Inc.	XYZ	C
Block, Inc.	XYZ	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Affirm Holdings, Inc. has a Growth Score of 37, which is Weak. Block, Inc. has a Growth Score of 59, which is Average. Block, Inc. has a Growth Score of 59, which is Average.

The Growth Stock Winner: No Clear Winner

Neither Affirm Holdings, Inc., Block, Inc., Block or Inc. has a high enough Growth 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., Block, Inc., Block or Inc. is the better investment when it comes to sustainable growth.

Affirm Holdings, Inc., Block, Inc., Block and Inc.’s Quality Grades

Company	Ticker	Quality
Affirm Holdings, Inc.	AFRM	C
Block, Inc.	XYZ	B
Block, Inc.	XYZ	B

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 48, which is Average. Block, Inc. has a Quality Score of 74, which is Strong. Block, Inc. has a Quality Score of 74, which is Strong.

The Quality Grade Winner: Block, Inc.

As you can clearly see from the Quality Grade breakdown above, Block, Inc. has a better overall quality grade than Affirm Holdings, Inc.. For investors who are looking for companies with higher quality than others in the same industry, Block, Inc. could be a good stock to add to their portfolios. 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., Block, Inc., Block and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Affirm Holdings, Inc.	AFRM	D
Block, Inc.	XYZ	B
Block, Inc.	XYZ	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 22, which is Negative. Block, Inc. has a Earnings Estimate Score of 78, which is Positive. Block, Inc. has a Earnings Estimate Score of 78, which is Positive.

The Earnings Estimate Revisions Grade Winner: Block, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Block, 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, Block, 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., Block, Inc., Block and Inc. Grades

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

Momentum grades help 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.

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., Block, Inc., Block 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., Block, Inc., Block or Inc. Stock?

Overall, Affirm Holdings, Inc. stock has a Growth Score of 37, Estimate Revisions Score of 22 and Quality Score of 48.

Block, Inc. stock has a Growth Score of 59, Estimate Revisions Score of 78 and Quality Score of 74.

Block, Inc. stock has a Growth Score of 59, Estimate Revisions Score of 78 and Quality Score of 74.

Comparing Affirm Holdings, Inc., Block, Inc., Block 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.