Diebold Nixdorf (NYSE:DBD) vs. Affirm (NASDAQ:AFRM) Head-To-Head Analysis

Affirm (NASDAQ:AFRM) and Diebold Nixdorf (NYSE:DBD) are both computer and technology companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, risk, valuation, profitability, dividends and earnings.

Profitability

This table compares Affirm and Diebold Nixdorf’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Affirm	7.60%	8.83%	2.45%
Diebold Nixdorf	2.80%	18.82%	5.40%

Risk & Volatility

Affirm has a beta of 3.72, suggesting that its stock price is 272% more volatile than the S&P 500. Comparatively, Diebold Nixdorf has a beta of 1.16, suggesting that its stock price is 16% more volatile than the S&P 500.

Institutional & Insider Ownership

69.3% of Affirm shares are owned by institutional investors. Comparatively, 97.0% of Diebold Nixdorf shares are owned by institutional investors. 11.0% of Affirm shares are owned by company insiders. Comparatively, 1.1% of Diebold Nixdorf shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Affirm and Diebold Nixdorf”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Affirm	$3.24 billion	6.89	$52.19 million	$0.81	82.81
Diebold Nixdorf	$3.81 billion	0.70	$94.60 million	$2.59	29.61

Diebold Nixdorf has higher revenue and earnings than Affirm. Diebold Nixdorf is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Affirm and Diebold Nixdorf, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affirm	0	9	19	1	2.72
Diebold Nixdorf	0	0	3	0	3.00

Affirm presently has a consensus price target of $83.76, indicating a potential upside of 24.87%. Diebold Nixdorf has a consensus price target of $100.00, indicating a potential upside of 30.40%. Given Diebold Nixdorf’s stronger consensus rating and higher possible upside, analysts clearly believe Diebold Nixdorf is more favorable than Affirm.

Summary

Diebold Nixdorf beats Affirm on 8 of the 15 factors compared between the two stocks.

About Affirm

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging up to 60 months. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel and ticketing, apparel, accessories, consumer electronics, and jewelry. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

About Diebold Nixdorf

Diebold Nixdorf, Incorporated engages in the automating, digitizing, and transforming the way people bank and shop worldwide. It operates through two segments, Banking and Retail. The company offers cash recyclers and dispensers, intelligent deposit terminals, teller automation tools, and kiosk technologies, as well as physical security solutions; and front-end applications for consumer connection points and back-end platforms that manage channel transactions, operations and integration, and facilitate omnichannel transactions, endpoint monitoring, remote asset management, customer marketing, merchandise management, and analytics. It also provides banking product-related services comprising proactive monitoring and rapid resolution of incidents through remote service capabilities or an on-site visit; first- and second-line maintenance, preventive maintenance, and on-demand services; managed and outsourcing services, such as business processes, solution management, upgrades, and transaction processing; and cash management services. In addition, the company offers DN Vynamic software suite to simplify and enhance the consumer experience; modular and integrated point of sale and self-checkout terminals; printers, scales, and mobile scanners; and banknote and coin processing systems, as well as ordering kiosks. Additionally, it provides retail customer's product-related services, such as on-demand and professional services; maintenance and availability services; implementation services; managed mobility services; monitoring and advanced analytics; and store life-cycle management services. The company was formerly known as Diebold, Incorporated and changed its name to Diebold Nixdorf, Incorporated in December 2016. Diebold Nixdorf, Incorporated was founded in 1859 and is headquartered in North Canton, Ohio.