Head-to-head analysis: Provident Financial (OTCMKTS:FPPLY) and Affirm (NASDAQ:AFRM)

Affirm (NASDAQ:AFRM – Get Rating) and Provident Financial (OTCMKTS:FPPLY – Get Rating) are both business services companies, but which is the better stock? We’ll compare the two companies based on their risk strength, dividends, institutional ownership, earnings, valuation, profitability, and analyst recommendations.

Insider and Institutional Ownership

58.3% of Affirm’s shares are held by institutional investors. 16.5% of Affirm’s stock is held by company insiders. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock is poised for long-term growth.

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of Affirm and Provident Financial.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
To affirm $870.46 million 6.02 -$430.92 million ($2.37) -7.72
Financial foresight $735.12 million 0.99 -$44.14 million N / A N / A

Provident Financial has lower revenues, but higher profits than Affirm.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Affirm and Provident Financial, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
To affirm 3 6 6 0 2.20
Financial foresight 0 1 0 0 2.00

Affirm currently has a consensus target price of $65.29, indicating a potential upside of 256.80%. Given Affirm’s stronger consensus rating and higher likely upside, equity research analysts clearly believe Affirm is more favorable than Provident Financial.


This table compares the net margins, return on equity and return on assets of Affirm and Provident Financial.

Net margins Return on equity return on assets
To affirm -52.07% -18.00% -7.42%
Financial foresight N / A N / A N / A

Volatility and risk

Affirm has a beta of 3.03, suggesting that its stock price is 203% more volatile than the S&P 500. In comparison, Provident Financial has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500.


Affirm beats Provident Financial on 8 out of 12 factors compared between the two stocks.

Affirm company profile (Get a rating)

Affirm Holdings, Inc. operates a digital and mobile commerce platform in the United States and Canada. The Company’s platform includes a point-of-sale payment solution for consumers, commerce solutions for merchants and a consumer-focused application. Its payment network and its partnership with an originating bank allow consumers to pay for a purchase in time with maturities ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform spanning small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and enterprises. Its merchants represent a range of industries, including sporting and outdoor goods, furniture and homewares, travel, apparel, accessories, consumer electronics and jewelry. The company was founded in 2012 and is based in San Francisco, California.

Provident Financial Company Profile (Get a rating)

Provident Financial plc provides personal credit products to the non-standard lending market in the UK and Republic of Ireland. The Company operates through Vanquis Bank and Moneybarn segments. It offers credit card products, unsecured personal loans and savings products. The company also offers auto finance for cars, motorcycles and light commercial vehicles. It serves 1.6 million customers. Provident Financial plc was founded in 1880 and is headquartered in Bradford, UK.

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