AFRM vs BAC Stock Comparison
AFRM currently leads BAC in this stock comparison, with AIQ scores of 52 vs 47. The clearest difference is momentum, while BAC has the stronger risk resilience profile.
What is the main difference between AFRM and BAC?
AFRM leads the current stock comparison as Affirm Holdings, Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Affirm Holdings, Inc. vs Bank of America Corporation
AFRM leads
AFRM leads by 5 AIQ points, primarily on Momentum and Quality, but the lead has narrowed from 17 points over 30 sessions. Wall Street currently favors BAC on target upside.
Fragile: 3 of 6 evidence groups support AFRM, its lead is narrowing, and its current signal state is conflicted.
Affirm Holdings, Inc.
Bank of America Corporation
The Algovestiq AIQ Score currently favors AFRM over BAC, 52 versus 47 as of Oct 31, 2026. AFRM's advantage is driven primarily by stronger momentum and quality, while BAC holds the stronger risk resilience profile. AFRM also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors BAC. 3 of 6 covered evidence groups favor AFRM today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 5 points. AFRM lead: Weakening — the AIQ differential moved from 17 to 5 points over 30 sessions.
Compare Affirm Holdings, Inc. and Bank of America Corporation across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare AFRM and BAC against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience28 vs 60BAC +32
- Momentum56 vs 26AFRM +30
- Quality73 vs 49AFRM +24
- Value41 vs 57BAC +16
3 of 6 evidence groups favor AFRM. AFRM’s edge is concentrated in momentum and quality; BAC keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum +13
New signals
- Uptrend Structure Active — bullish, trend, long horizon
Largest factor move: Risk Resilience +1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 3 active signals are unchanged.
AFRM's lead widened by 3 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — AFRM and BAC both carry a full feed there.
The central trade-off
AFRM (Affirm Holdings, Inc.): the stronger current systematic profile, led by momentum and quality.
BAC (Bank of America Corporation): the counter-case, on risk resilience, value, valuation.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
AFRMAFRM on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
AFRMAFRM on combined revenue and EPS growth.
Value
BACBAC on the peer-relative Value factor, by 16 points.
Momentum
AFRMAFRM on the Momentum factor, by 30 points.
Lower downside
BACBAC on Risk Resilience, by 32 points.
Analyst upside
BACBAC on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors AFRM, analyst targets favor BAC. That disagreement is the most useful thing on this page.
| Measure | AFRM | BAC | Note |
|---|---|---|---|
| Implied upside to target | +29.7% | +32.5% | BAC has more room |
| Target dispersion | +47.2% | +22.6% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 19 | 11 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor AFRM. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | AFRM | 52 vs 47 |
| Fundamentals | AFRMon balance | revenue growth 4.9% vs -3.3%; EPS growth 14.4% vs -23.8%; TTM ROE 47.9% vs 10.7%; gross margin 68.1% vs 60.4%; operating margin 15.5% vs 22.4% — AFRM takes 4 of 5 decided legs, not all of them |
| Valuation | BAC | Value 41 vs 57 |
| Technicals | AFRM | Price vs 50-day 0.4% vs -12.1%; vs 200-day 10.2% vs -7.5% |
| Risk Resilience | BAC | Risk Resilience 28 vs 60 |
| Analyst expectations | BAC | Target upside 29.7% vs 32.5% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of AFRM and BAC and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 5 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The lead has swung materially session to session. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on AFRM.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28AFRM lead: Weakening — the AIQ differential moved from 17 to 5 points over 30 sessions.
- Today
- AFRM +5
- 52 vs 47
- 7 sessions ago
- AFRM +2
- 49 vs 47
- 30 sessions ago
- AFRM +17
- 58 vs 41
- 90 sessions ago
- BAC +14
- 36 vs 50
The lead changed hands 2 times in this window, most recently on Sep 14 when AFRM moved ahead of BAC.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 2 bearish / 1 neutral, conflicted
Only AFRM
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (4.82%)
- Beta Spike Warning — bearish, risk, long horizon
- Uptrend Structure Active — bullish, trend, long horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
2 bullish / 0 bearish / 1 neutral
Only BAC
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
Both carry 1 more signal that do not separate them: Golden Cross Active.
AFRM leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is down while the AIQ Score moved up 3 points over the same session — price and model disagree (price -1.83%, AIQ +3 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -2.21%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1BAC closes the Momentum gap — currently 30 points behind, the largest single contributor to AFRM's edge.
- 2BAC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3AFRM's conflicting signal state resolves bearish — it currently carries 2 bullish and 2 bearish rules at once.
- 4The narrowing continues — the lead has already given back 12 points over 30 sessions, and a further 5-point move would eliminate AFRM's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
AFRM leads on balance| Metric | AFRM | BAC |
|---|---|---|
| Revenue growth (YoY) | 4.9% | -3.3% |
| EPS growth (YoY) | 14.4% | -23.8% |
| Gross margin | 68.1% | 60.4% |
| Operating margin | 15.5% | 22.4% |
| Return on equity (TTM) | 47.9% | 10.7% |
| Debt to equity | 1.79 | 1.28 |
Performance
AFRM leads 5 of 6 windows| Metric | AFRM | BAC |
|---|---|---|
| 1 week (5 sessions) | -0.3% | 0.1% |
| 1 month (20 sessions) | 5.9% | -6.6% |
| 3 months (63 sessions) | 0.1% | -17.6% |
| 6 months (126 sessions) | 15.5% | -3.8% |
| Year to date | -1.5% | -7.5% |
| 1 year (252 sessions) | -2.7% | -3.3% |
Technicals
AFRM has the stronger structure| Metric | AFRM | BAC |
|---|---|---|
| RSI (14) | 43.9 | 31.2 |
| ADX (14) | 10.7 | 49.4 |
| Price vs 50-day | 0.4% | -12.1% |
| Price vs 200-day | 10.2% | -7.5% |
| Volatility (1M, annualized) | 59% | 20.8% |
Risk
BAC is the more resilient| Metric | AFRM | BAC |
|---|---|---|
| Beta | 2.57 | 0.73 |
| Sharpe ratio | 0.17 | -0.25 |
| Sortino ratio | 0.29 | -0.32 |
| Max drawdown | -48.8% | -22.3% |
| Current drawdown | -14.5% | -21.5% |
| Annualized volatility | 59.5% | 21.8% |
| Value at risk (95%) | -5.7% | -2.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, AFRM or BAC?
On the Algovestiq AIQ Score, AFRM is the stronger of the two as of Oct 31, 2026, scoring 52 against BAC's 47. The edge comes from momentum and quality. BAC is not without a case — it holds the better risk resilience profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is AFRM or BAC the better buy right now?
AFRM carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 5 points. Treat the lead as provisional.
Why does the AIQ Score favor AFRM over BAC?
The composite weights Quality, Value, Momentum and Risk Resilience. BAC leads Risk Resilience by 32 points; AFRM leads Momentum by 30 points; AFRM leads Quality by 24 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, AFRM or BAC?
Analyst price targets imply +29.7% upside for AFRM and +32.5% for BAC, so the Street currently favors BAC. That points the opposite way to the AIQ Score, which favors AFRM. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, AFRM or BAC?
BAC is the better-valued of the two on the peer-relative Value factor. BAC on the peer-relative Value factor, by 16 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, AFRM or BAC?
AFRM on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, AFRM or BAC?
AFRM on the Momentum factor, by 30 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, AFRM or BAC?
BAC is the more resilient of the two, so the other name carries the higher downside risk. BAC on Risk Resilience, by 32 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is AFRM more profitable than BAC?
The profitability evidence is mixed: gross margin 68.1% vs 60.4%; operating margin 15.5% vs 22.4%; ttm roe 47.9% vs 10.7%. AFRM leads on two measures and BAC on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is AFRM's lead over BAC getting stronger or weaker?
AFRM lead: Weakening — the AIQ differential moved from 17 to 5 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 2 times in that window, most recently on 2026-09-14, when AFRM moved ahead of BAC.
What would change the AFRM vs BAC verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BAC closes the Momentum gap — currently 30 points behind, the largest single contributor to AFRM's edge; BAC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; AFRM's conflicting signal state resolves bearish — it currently carries 2 bullish and 2 bearish rules at once; the narrowing continues — the lead has already given back 12 points over 30 sessions, and a further 5-point move would eliminate AFRM's advantage entirely.
What do the current signals say about AFRM and BAC?
AFRM: 2 bullish / 2 bearish / 1 neutral, conflicted. BAC: 2 bullish / 0 bearish / 1 neutral. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on AFRM is Golden Cross Active (bullish, long horizon). On BAC it is Golden Cross Active (bullish, long horizon).
Compare AFRM and BAC with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.