AFRM
Price
$72.35
Change
-$1.95 (-2.62%)
Updated
Sep 4 closing price
Capitalization
24.41B
67 days until earnings call
Intraday BUY SELL Signals
XYF
Price
$5.53
Change
-$0.04 (-0.72%)
Updated
Sep 4, 04:59 PM (EDT)
Capitalization
204.24M
Intraday BUY SELL Signals
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AFRM vs XYF

AFRM vs XYF Comparison Chart in %
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VS
AFRM vs. XYF commentary
Sep 05, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AFRM is a Hold and XYF is a Hold.

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COMPARISON
Comparison
Sep 05, 2026
Stock price -- (AFRM: $72.35 vs. XYF: $5.53)
Brand notoriety: AFRM and XYF are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: AFRM: 85% vs. XYF: 170%
Market capitalization -- AFRM: $24.41B vs. XYF: $204.24M
AFRM [@Savings Banks] is valued at $24.41B. XYF’s [@Savings Banks] market capitalization is $204.24M. The market cap for tickers in the [@Savings Banks] industry ranges from $705.67B to $0. The average market capitalization across the [@Savings Banks] industry is $34.91B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

AFRM’s FA Score shows that 0 FA rating(s) are green whileXYF’s FA Score has 1 green FA rating(s).

  • AFRM’s FA Score: 0 green, 5 red.
  • XYF’s FA Score: 1 green, 4 red.
According to our system of comparison, XYF is a better buy in the long-term than AFRM.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

AFRM’s TA Score shows that 3 TA indicator(s) are bullish while XYF’s TA Score has 5 bullish TA indicator(s).

  • AFRM’s TA Score: 3 bullish, 5 bearish.
  • XYF’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, XYF is a better buy in the short-term than AFRM.

Price Growth

AFRM (@Savings Banks) experienced а -6.96% price change this week, while XYF (@Savings Banks) price change was -0.18% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.06%. For the same industry, the average monthly price growth was -2.96%, and the average quarterly price growth was +6.93%.

Reported Earning Dates

AFRM is expected to report earnings on Nov 11, 2026.

Industries' Descriptions

@Savings Banks (+0.06% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
AFRM($24.4B) has a higher market cap than XYF($204M). AFRM has higher P/E ratio than XYF: AFRM (13.08) vs XYF (2.52). XYF YTD gains are higher at: 12.186 vs. AFRM (-2.795). XYF has higher annual earnings (EBITDA): 1.19B vs. AFRM (1.12B). AFRM has more cash in the bank: 2.48B vs. XYF (1.02B). XYF has less debt than AFRM: XYF (354M) vs AFRM (9.09B). XYF has higher revenues than AFRM: XYF (6.88B) vs AFRM (3.97B).
AFRMXYFAFRM / XYF
Capitalization24.4B204M11,961%
EBITDA1.12B1.19B94%
Gain YTD-2.79512.186-23%
P/E Ratio13.082.52520%
Revenue3.97B6.88B58%
Total Cash2.48B1.02B243%
Total Debt9.09B354M2,568%
FUNDAMENTALS RATINGS
XYF: Fundamental Ratings
XYF
OUTLOOK RATING
1..100
88
VALUATION
overvalued / fair valued / undervalued
1..100
1
Undervalued
PROFIT vs RISK RATING
1..100
100
SMR RATING
1..100
60
PRICE GROWTH RATING
1..100
50
P/E GROWTH RATING
1..100
61
SEASONALITY SCORE
1..100
n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
AFRMXYF
RSI
ODDS (%)
N/A
Bearish Trend 3 days ago
66%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 3 days ago
74%
Momentum
ODDS (%)
Bearish Trend 2 days ago
85%
Bullish Trend 3 days ago
77%
MACD
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 3 days ago
79%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
85%
Bullish Trend 3 days ago
78%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
86%
Bullish Trend 3 days ago
79%
Advances
ODDS (%)
Bullish Trend 3 days ago
83%
Bullish Trend 6 days ago
77%
Declines
ODDS (%)
Bearish Trend 5 days ago
85%
Bearish Trend 4 days ago
75%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
85%
Bearish Trend 3 days ago
64%
Aroon
ODDS (%)
N/A
Bullish Trend 3 days ago
80%
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AFRM
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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