AFFRM vs KLAR Stock Comparison: AI Score, Valuation, Performance and Upside
Affirm is generally evaluated as the faster-growing, U.S.-centric BNPL name that has recently turned durably profitable, while Klarna is judged as the larger global scale player still working to convince public-market investors of its earnings quality after a rocky post-IPO stock performance. The comparison largely turns on growth rate and credit discipline versus sheer scale.
Use this AFFRM vs KLAR comparison to weigh growth and margin trajectory against scale: Affirm has shown faster GMV growth and a swing to profitability, while Klarna carries a much larger transaction base but a stock price still well below its IPO level and greater sensitivity to credit-quality concerns.
AFFRM and KLAR are closely matched — they split the tracked metrics evenly.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to the faster-growing side of the U.S. BNPL market
- Value recent GAAP profitability and improving unit economics
- Are comfortable with reliance on capital markets to fund loan originations
- Believe deep merchant partnerships like Amazon support durable growth
- Want exposure to a larger, more globally diversified BNPL and banking platform
- Believe the stock's post-IPO decline has created a more attractive entry point
- Are comfortable with a business mix weighted toward lower-revenue zero-interest loans
- Want exposure to Klarna's broader banking-app ambitions beyond BNPL
| Metric | AFFRM | KLAR |
|---|---|---|
| AI scorei | N/A | 21.3 |
| AI ranki | N/A | N/A |
| Latest closei | N/A | $13.02 |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | AFFRM | KLAR |
|---|---|---|
| 1Y ago | N/A | $3.67K (-63.3%) started 2025-10-16 |
| 5Y ago | N/A | $3.05K (-69.5%) started 2025-09-11 |
| 10Y ago | N/A | $3.05K (-69.5%) started 2025-09-11 |
Hypothetical — past performance does not guarantee future results.
| Metric | AFFRM | KLAR |
|---|---|---|
| Market capi | N/A | $5.48B |
| Trailing P/Ei | N/A | N/A |
| Forward P/Ei | N/A | 18.16 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | N/A | 0.64 |
| Analyst targeti | N/A | $20.28 |
| Target upsidei | N/A | +39.85% |
| Metric | AFFRM | KLAR |
|---|---|---|
| Revenue growthi | N/A | 26.60% |
| Earnings growthi | N/A | N/A |
| EPS growthi | N/A | N/A |
| FCF margini | N/A | +19.77% |
| Operating margini | N/A | 2.97% |
| Profit margini | N/A | -3.52% |
| ROIC proxyi | N/A | -4.29% |
| Return on equityi | N/A | -4.29% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | N/A | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | N/A | N/A |
| Debt/equityi | N/A | 65.72 |
| Current ratioi | N/A | 23.15 |
| Quick ratioi | N/A | 22.34 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | AFFRM | KLAR |
|---|---|---|---|
| 1Y | Growthi | N/A | -63.30% |
| CAGRi | N/A | -63.33% | |
| Volatilityi | N/A | 68.98% | |
| Sharpe ratioi | N/A | -1.16 | |
| Sortino ratioi | N/A | -1.47 | |
| Max drawdowni | N/A | 69.12% | |
| Current drawdowni | N/A | 67.23% | |
| Avg drawdowni | N/A | 48.17% | |
| Ulcer Indexi | N/A | 52.22% | |
| Max daily dropi | N/A | 26.91% | |
| Max wkly dropi | N/A | 32.30% | |
| 5Y | Growthi | N/A | -69.54% |
| CAGRi | N/A | -66.22% | |
| Volatilityi | N/A | 67.98% | |
| Sharpe ratioi | N/A | -1.31 | |
| Sortino ratioi | N/A | -1.66 | |
| Max drawdowni | N/A | 73.02% | |
| Current drawdowni | N/A | 71.37% | |
| Avg drawdowni | N/A | 50.70% | |
| Ulcer Indexi | N/A | 54.97% | |
| Max daily dropi | N/A | 26.91% | |
| Max wkly dropi | N/A | 32.30% | |
| 10Y | Growthi | N/A | -69.54% |
| CAGRi | N/A | -66.22% | |
| Volatilityi | N/A | 67.98% | |
| Sharpe ratioi | N/A | -1.31 | |
| Sortino ratioi | N/A | -1.66 | |
| Max drawdowni | N/A | 73.02% | |
| Current drawdowni | N/A | 71.37% | |
| Avg drawdowni | N/A | 50.70% | |
| Ulcer Indexi | N/A | 54.97% | |
| Max daily dropi | N/A | 26.91% | |
| Max wkly dropi | N/A | 32.30% |
| Category | AFFRM | KLAR |
|---|---|---|
| Company | Affirm Holdings, Inc. | Klarna Group plc |
| Sector | Financial Technology (Buy Now, Pay Later) | Financial Services |
| Industry | N/A | Credit Services |
| Core business | Affirm provides point-of-sale installment loans and pay-over-time products through direct integrations with merchants and its own app and card, primarily in the U.S. | Klarna operates a global buy-now-pay-later and digital banking platform, offering installment payments, a shopping app, and a debit card across a much larger international merchant network than most U.S. peers. |
| Investor focus | Investors track Affirm's GMV growth, credit performance and delinquency trends, and its path to sustained GAAP profitability after reporting positive net income in recent quarters. | Investors are focused on Klarna's post-IPO stock performance well below its offer price, its much larger GMV base relative to revenue, and credit quality given a rise in industry-wide late payments. |
- GMV growth has outpaced larger BNPL rival Klarna in percentage terms
- Deep merchant integrations including large partners like Amazon and Shopify
- Recently turned GAAP profitable with improving unit economics
- Much larger global GMV base than Affirm, with deep European and expanding U.S. presence
- Broad merchant network and consumer app used for both shopping and banking features
- Recently returned to profitability alongside continued international expansion
- Credit risk if consumer delinquencies rise in a weaker macro environment
- Reliance on funding markets and capital partners to finance loan originations
- Intensifying competition from Klarna, Afterpay/Block, and PayPal's BNPL offerings
- Stock has traded well below its September 2025 IPO price, reflecting market skepticism
- Zero-interest loan mix means revenue per dollar of GMV lags Affirm's
- Rising industry-wide late payments raising credit-quality concerns among investors
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