Affirm Holdings Inc vs United Parcel Service Inc — how do they compare? Affirm Holdings Inc trades at $76.99 (market cap $25.30B), while United Parcel Service Inc trades at $104.45 (market cap $89.09B). The key difference: United Parcel Service Inc is far larger — about 3.5× Affirm Holdings Inc's market cap, and United Parcel Service Inc pays a 6.26% dividend while Affirm Holdings Inc pays none. Which is the better fit depends on your goals.
| AFRM | UPS | |
|---|---|---|
Market Cap | $25.30B | $89.09B |
Sector | Financials | Industrials |
52-Week High | $92.18 | $120.00 |
52-Week Low | $42.53 | $82.58 |
Enterprise Value | $31.91B | $113.11B |
Volume | — | 2,288,643 |
Dividend Yield | — | 6.26% |
Signals from Pluang's Aura AI — not financial advice
AFRM trades at $75.25, down 1.74% on the day, with a bullish technical signal supported by moving averages. The company reported strong revenue growth to $3.22B in 2025, turning profitable with net income of $52.19M, and has beaten EPS estimates in recent quarters. Positive sentiment is driven by analyst optimism and expanding merchant partnerships.
Outlook remains favorable with a consensus price target of $96.00, indicating 28% upside. Risks include high valuation multiples (P/E 68.41) and sensitivity to interest rate changes. Continued execution on growth and profitability will be key for stock performance.
UPS trades at $104.48, up 1.24% daily, with a bearish technical signal but recent earnings beats. Revenue declined to $88.66B in 2025, with net income margin at 5.08%, while valuation ratios like P/E of 19.42 and P/S of 0.99 suggest moderate pricing. The company maintains a strong dividend yield, with recent payouts of $1.64 per share, and analyst consensus is mixed amid cost-cutting efforts and Amazon volume reset.
Outlook is cautious due to margin pressures and competitive threats, but upside exists if operational efficiencies materialize. Risks include high debt-to-asset ratio of 33.02% and volatile cash flows. Analysts target $117.90 on average, implying potential growth, but investor sentiment remains divided given bearish technical trends.
Trailing returns across standard periods
Latest headlines on both assets
Affirm Holdings Inc offers a platform for digital and mobile first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks, and through virtual card networks among others. Geographically, it generates a major share of its revenue from the United States.
Read more on AFRM →United Parcel Service, Inc. (UPS) delivers packages and documents throughout the United States and in other countries and territories. The Company also provides global supply chain services and less-than-truckload transportation, primarily in the US UPS's business consists of integrated air and ground pick-up and delivery network
Read more on UPS →