Live Report · Updated January 26, 2026

Affirm vs Jabil

Affirm vs Jabil: This page compares their business models, financial performance, and market context, presenting neutral, accessible explanations to help readers understand similarities and differences. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AFRM

Metric

JBL

$22.68B

Market Cap

$25.53B

37.00%

Potential Profit

7.00%

Buy

Analyst Rating

Buy

Why It's Moving

Affirm surges on blockbuster Q1 earnings with profitability breakthrough and bold growth outlook.

Revenue jumped 34% to $933M, beating estimates by over $50M, while GAAP operating income hit $64M—proof Affirm is flipping losses into sustainable profits.
GMV guidance for Q2 set at $13-13.3B and full-year over $47.5B, fueled by 0% APR expansion, Affirm Card traction, and Amazon partnership locked through 2031.
Upsized $1.5B zero-interest convertible notes issuance provides firepower for growth, even as shares dipped recently before a sharp rebound.

Sentiment:

🐃Bullish

Jabil Powers Up on Stellar Q1 Earnings and Bold AI-Fueled Guidance Hike

Intelligent Infrastructure segment surged on cloud and data center strength, with AI-related revenue set to climb 35% year-over-year, affirming Jabil's prime position in the AI boom.
Raised fiscal 2026 revenue guidance by $1.1 billion—mostly hitting Q3 and Q4—thanks to new wins and Hanley Energy acquisition, with CEO calling it conservatively optimistic.
Analysts cheer the beat, lifting price targets (JPMorgan to $270, BofA to $265, Barclays to $283) on ongoing AI demand levers and potential for more quarterly surprises.

Sentiment:

🐃Bullish

Affirm surges on blockbuster Q1 earnings with profitability breakthrough and bold growth outlook.

Revenue jumped 34% to $933M, beating estimates by over $50M, while GAAP operating income hit $64M—proof Affirm is flipping losses into sustainable profits.
GMV guidance for Q2 set at $13-13.3B and full-year over $47.5B, fueled by 0% APR expansion, Affirm Card traction, and Amazon partnership locked through 2031.
Upsized $1.5B zero-interest convertible notes issuance provides firepower for growth, even as shares dipped recently before a sharp rebound.

Sentiment:

🐃Bullish

Jabil Powers Up on Stellar Q1 Earnings and Bold AI-Fueled Guidance Hike

Intelligent Infrastructure segment surged on cloud and data center strength, with AI-related revenue set to climb 35% year-over-year, affirming Jabil's prime position in the AI boom.
Raised fiscal 2026 revenue guidance by $1.1 billion—mostly hitting Q3 and Q4—thanks to new wins and Hanley Energy acquisition, with CEO calling it conservatively optimistic.
Analysts cheer the beat, lifting price targets (JPMorgan to $270, BofA to $265, Barclays to $283) on ongoing AI demand levers and potential for more quarterly surprises.

Sentiment:

🐃Bullish

Investment Analysis

Affirm

AFRM

Pros

Affirm has achieved strong revenue growth, expanding by 37% over the last twelve months, driven by increased consumer engagement and expanded partnerships.
The company maintains a high RLTC margin above 4%, which is at the upper end of its long-term target range, indicating robust operational efficiency.
Affirm's platform is integrated with major retailers including Amazon, Wayfair, and Worldpay, supporting continued expansion and market reach.

Considerations

Affirm trades at a very high P/E ratio, suggesting a premium valuation that may not be sustainable if growth slows or margins compress.
Net margins and return on equity remain below industry averages, highlighting challenges in profitability and capital efficiency.
The increasing proportion of 0% APR loans may pressure future revenue and profitability if consumer credit risk rises or promotional offers are scaled back.

Jabil

JBL

Pros

Jabil has demonstrated consistent revenue growth, benefiting from strong demand in electronics manufacturing and diversified end markets.
The company maintains a solid balance sheet with healthy liquidity, supporting its ability to invest in growth and weather economic cycles.
Jabil's broad customer base across multiple industries reduces reliance on any single sector, mitigating some business risk.

Considerations

Jabil's earnings are sensitive to global supply chain disruptions and macroeconomic volatility, which can impact margins and operational performance.
The company operates in a highly competitive sector with thin margins, limiting pricing power and profitability potential.
Exposure to cyclical industries such as automotive and consumer electronics can lead to fluctuating demand and earnings volatility.

Related Market Insights

Beyond The Play Store: The New App Economy

Google's Play Store opens to competition, creating a new app economy. Discover investment opportunities in alternative app stores & payment solutions like PayPal, AppLovin, & Affirm.