Affirm vs TELUS

Affirm vs TELUS compares business models, financial performance, and market context, offering objective insight into how each company operates and competes. The page presents neutral, accessible information to help readers understand strategy, scale, and market positioning. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AFRM

Metric

$23.47B

Market Cap

$20.56B

31.53%

Potential Profit

12.84%

Buy

Analyst Rating

Hold

Why It's Moving

Affirm faces short seller pressure as Kerrisdale Capital flags business model risks ahead of key earnings.

Kerrisdale highlights Affirm's debt-to-equity ratio of 2.41 and insider sales of over 711,000 shares in three months, signaling potential confidence issues.
Valuation metrics show a P/E of 106.12 and PEG of 3.38, far above industry averages, raising overvaluation fears despite strong revenue growth.
Upcoming earnings on February 5 expect EPS of $0.28 and revenue of $1.06B, but Zacks Rank #3 (Hold) reflects cautious analyst optimism.

Sentiment:

🐻Bearish

Affirm faces short seller pressure as Kerrisdale Capital flags business model risks ahead of key earnings.

Kerrisdale highlights Affirm's debt-to-equity ratio of 2.41 and insider sales of over 711,000 shares in three months, signaling potential confidence issues.
Valuation metrics show a P/E of 106.12 and PEG of 3.38, far above industry averages, raising overvaluation fears despite strong revenue growth.
Upcoming earnings on February 5 expect EPS of $0.28 and revenue of $1.06B, but Zacks Rank #3 (Hold) reflects cautious analyst optimism.

Sentiment:

🐻Bearish

Investment Analysis

Affirm

AFRM

Pros

Affirm has demonstrated strong revenue growth, outpacing industry averages with a 32.95% increase in the latest quarter.
The company continues to expand its merchant partnerships, recently integrating with major platforms like Worldpay and Wayfair.
Analyst sentiment remains positive, with an average 12-month price target implying significant upside potential.

Considerations

Affirm's net profit margin is below industry average, suggesting ongoing challenges in cost management and profitability.
The stock trades at a very high price-to-earnings ratio, reflecting elevated valuation concerns.
Return on equity is weak compared to sector peers, indicating inefficient use of shareholder capital.

TELUS

Pros

TELUS benefits from a stable and diversified business model, with strong cash flows from both wireless and wireline operations.
The company maintains a robust balance sheet, supporting ongoing investment in network infrastructure and digital services.
TELUS has a consistent track record of dividend growth, appealing to income-focused investors.

Considerations

Wireless market saturation in Canada limits the potential for rapid subscriber growth in its core business.
Regulatory pressures and government intervention in telecom pricing could constrain profitability.
Capital expenditure requirements remain high, potentially limiting free cash flow growth in the near term.

About The Companies

Affirm (AFRM)

Affirm Holdings (AFRM) is a US-based financial technology company best known for buy-now-pay-later (BNPL) services that let consumers split purchases into instalments at checkout. It partners with merchants and platforms to embed financing at the point of sale and earns revenue from merchant fees, interest income on consumer loans and partner arrangements. Investors should note Affirm operates in a fast-growing but competitive space where customer adoption, credit quality and relationships with large merchants matter. The business can scale with e-commerce expansion but is exposed to regulatory scrutiny, macroeconomic shifts that affect consumer credit and pressure on margins from competitors. Market cap is about $24.26B, reflecting investor expectations for growth and improving unit economics. This summary is educational and not personalised financial advice — returns can go down as well as up. Consider your objectives and risk tolerance and consult an authorised adviser before investing.

TELUS (TU)

TELUS Corp is a major Canadian communications technology company that offers a wide array of services to consumers, businesses, and the public sector. While known for its core telecommunications products like wireless, internet, and television services, TELUS has expanded its operations significantly. The company operates through several key segments, including TELUS Technology Solutions, which handles its traditional mobile and data services. It also has a growing presence in innovative sectors through TELUS Health, which provides healthcare technology and software solutions, and TELUS Digital Experience, which focuses on artificial intelligence and customer experience technologies. This diversification highlights the company's ambition to be a key player not just in telecoms, but in the broader technology landscape. As with any investment, it's worth noting that past performance doesn't predict future results, and an organisation's value can fluctuate.

Affirm (AFRM) Next Earnings Date

Affirm Holdings will report its Q2 fiscal 2026 earnings on February 5, 2026, after market close. The company will host a conference call at 2:00 PM Pacific Time on the same day, featuring CEO Max Levchin, COO Michael Linford, and CFO Rob O'Hare to discuss results and strategic outlook. Analysts are currently projecting earnings per share of $0.28 for the quarter.

Affirm (AFRM) Next Earnings Date

Which Baskets Do They Appear In?

App Economy Stocks (Post-Google Play Store Ruling)

Following a Supreme Court decision forcing Google to open its Play Store, the app economy is set for a major shift. This creates an investment opportunity in companies that provide alternative payment systems and app distribution platforms, which can now compete directly for a share of the massive Android market.

Published: October 9, 2025

Affirm vs TELUS

Comparison Snapshot

Why It's Moving

Affirm faces short seller pressure as Kerrisdale Capital flags business model risks ahead of key earnings.

Affirm faces short seller pressure as Kerrisdale Capital flags business model risks ahead of key earnings.

Investment Analysis

Affirm

Pros

Considerations

TELUS

Pros

Considerations

About The Companies

Affirm (AFRM) Next Earnings Date

Affirm (AFRM) Next Earnings Date

Which Baskets Do They Appear In?

App Economy Stocks (Post-Google Play Store Ruling)

Google Play Store Opens to Competition in 2025

Google PayPal AI Deal: Could This Change Shopping?

Which Baskets Do They Appear In?

App Economy Stocks (Post-Google Play Store Ruling)

Google Play Store Opens to Competition in 2025

Google PayPal AI Deal: Could This Change Shopping?

Google Antitrust Impact (App Economy Disruption)

Play Store Competition | Investment Opportunities

Beyond The App Store: Europe's New Rules

Unlocking App Store Payments

Beyond The Beat: Investing In Payment Powerhouses

The Apple Card Shake-Up: A New Financial Partnership

The Apple Card Shake-Up: A New Financial Alliance

Banking's New Guard: The Apple Card Consolidation

Powering The Apple Card Transition

Connecting Global Commerce: The Payments Revolution

The New Titans Of Finance

Financial Crime & Compliance

EU's Digital Markets Act Boosts App Economy

Digital Identity Gatekeepers

Embedded-Finance Infrastructure

Information Asymmetry Arbitrageurs

Power & Control Portfolio

Battleground Stocks

Visionary Founders

Buy AFRM or TU in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Comparison Snapshot

About The Companies