AFRM vs WEX Stock Comparison
WEX currently leads AFRM in this stock comparison, with AIQ scores of 66 vs 52. The clearest difference is value, while AFRM has the stronger quality profile.
What is the main difference between AFRM and WEX?
WEX leads the current stock comparison as WEX Inc., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Affirm Holdings, Inc. vs WEX Inc.
WEX leads
WEX leads by 14 AIQ points, primarily on Value and Momentum, having only recently taken the lead back from AFRM. Wall Street currently favors AFRM on target upside.
Competitive: 5 of 6 evidence groups support WEX, the lead recently changed hands, and its signal state is cleanly positive.
Affirm Holdings, Inc.
WEX Inc.
The Algovestiq AIQ Score currently favors WEX over AFRM, 66 versus 52 as of Oct 31, 2026. WEX's advantage is driven primarily by stronger value and momentum, while AFRM holds the stronger quality profile. WEX also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors AFRM. 5 of 6 covered evidence groups favor WEX today, and the comparison is rated Competitive on stability: the lead has already changed hands inside the comparison window. WEX lead: Reversed — AFRM led by 6 AIQ points 30 sessions ago; WEX now leads by 14.
Compare Affirm Holdings, Inc. and WEX Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price return from daily closes; distributions are not included.
Price return comparison
Growth of $10,000, price only
Split-adjusted closes only. Distributions are excluded, which understates the return of any fund or stock that pays them.
Compare AFRM and WEX against another ticker
Open a multi-ticker workspace without changing this focused pair page.
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.
- Value41 vs 72WEX +31
- Momentum56 vs 82WEX +26
- Risk Resilience28 vs 53WEX +25
- Quality73 vs 54AFRM +19
5 of 6 evidence groups favor WEX. WEX’s edge is concentrated in value and momentum; AFRM keeps a meaningful quality 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: Momentum +11
New signals
- Uptrend Structure Active — bullish, trend, long horizon
WEX's lead narrowed by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — AFRM and WEX both carry a full feed there.
The central trade-off
WEX (WEX Inc.): the stronger current systematic profile, led by value and momentum.
AFRM (Affirm Holdings, Inc.): the counter-case, on quality, analyst expectations — but at materially higher volatility, 59% against 31.6%.
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
WEXWEX on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
WEXWEX on combined revenue and EPS growth.
Value
WEXWEX on the peer-relative Value factor, by 31 points.
Momentum
WEXWEX on the Momentum factor, by 26 points.
Lower downside
WEXWEX on Risk Resilience, by 25 points.
Analyst upside
AFRMAFRM on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors WEX, analyst targets favor AFRM. That disagreement is the most useful thing on this page.
| Measure | AFRM | WEX | Note |
|---|---|---|---|
| Implied upside to target | +29.7% | -3.3% | AFRM has more room |
| Target dispersion | +47.2% | +31.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 19 | 5 | 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
5 of 6 covered evidence groups favor WEX. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | WEX | 52 vs 66 |
| Fundamentals | WEXon balance | revenue growth 4.9% vs 11.8%; EPS growth 14.4% vs 39.1%; TTM ROE 47.9% vs 28.2%; gross margin 68.1% vs 56.7%; operating margin 15.5% vs 25.5% — WEX takes 3 of 5 decided legs, not all of them |
| Valuation | WEX | Value 41 vs 72 |
| Technicals | WEX | Price vs 50-day 0.4% vs -1.1%; vs 200-day 10.2% vs 15.3% |
| Risk Resilience | WEX | Risk Resilience 28 vs 53 |
| Analyst expectations | AFRM | Target upside 29.7% vs -3.3% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of AFRM and WEX and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 14 points. (supports the conclusion holding)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The lead has swung materially session to session. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
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 WEX.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28WEX lead: Reversed — AFRM led by 6 AIQ points 30 sessions ago; WEX now leads by 14.
- Today
- WEX +14
- 52 vs 66
- 7 sessions ago
- WEX +19
- 49 vs 68
- 30 sessions ago
- AFRM +6
- 58 vs 52
- 90 sessions ago
- WEX +27
- 36 vs 63
The lead changed hands 2 times in this window, most recently on Oct 14 when WEX moved ahead of AFRM.
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
- MACD Bearish Crossover — bearish, momentum, short horizon
4 bullish / 0 bearish
Only WEX
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
Both carry 2 more signals that do not separate them: Golden Cross Active, Uptrend Structure Active.
AFRM is conflicted, so the timing case there is weaker than the score alone suggests.
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).
Price and the AIQ Score both moved up over the latest session (price +0.62%, AIQ +2 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.
- 1AFRM closes the Value gap — currently 31 points behind, the largest single contributor to WEX's edge.
- 2AFRM's Beta Spike Warning resolves — a bearish risk rule currently active against it.
- 3WEX's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
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
WEX leads on balance| Metric | AFRM | WEX |
|---|---|---|
| Revenue growth (YoY) | 4.9% | 11.8% |
| EPS growth (YoY) | 14.4% | 39.1% |
| Gross margin | 68.1% | 56.7% |
| Operating margin | 15.5% | 25.5% |
| Return on equity (TTM) | 47.9% | 28.2% |
| Debt to equity | 1.79 | 3.98 |
Performance
WEX leads 6 of 6 windows| Metric | AFRM | WEX |
|---|---|---|
| 1 week (5 sessions) | -0.3% | 0.9% |
| 1 month (20 sessions) | 5.9% | 12.2% |
| 3 months (63 sessions) | 0.1% | 1.6% |
| 6 months (126 sessions) | 15.5% | 22.4% |
| Year to date | -1.5% | 27.1% |
| 1 year (252 sessions) | -2.7% | 18.4% |
Technicals
WEX has the stronger structure| Metric | AFRM | WEX |
|---|---|---|
| RSI (14) | 43.9 | 67.5 |
| ADX (14) | 10.7 | 21.8 |
| Price vs 50-day | 0.4% | -1.1% |
| Price vs 200-day | 10.2% | 15.3% |
| Volatility (1M, annualized) | 59% | 31.6% |
Risk
WEX is the more resilient| Metric | AFRM | WEX |
|---|---|---|
| Beta | 2.57 | 0.27 |
| Sharpe ratio | 0.17 | 0.54 |
| Sortino ratio | 0.29 | 0.71 |
| Max drawdown | -48.8% | -31.4% |
| Current drawdown | -14.5% | -6.9% |
| Annualized volatility | 59.5% | 40.9% |
| Value at risk (95%) | -5.7% | -3.4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, AFRM or WEX?
On the Algovestiq AIQ Score, WEX is the stronger of the two as of Oct 31, 2026, scoring 66 against AFRM's 52. The edge comes from value and momentum. AFRM is not without a case — it holds the better quality 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 WEX the better buy right now?
WEX carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Competitive — 5 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor WEX over AFRM?
The composite weights Quality, Value, Momentum and Risk Resilience. WEX leads Value by 31 points; WEX leads Momentum by 26 points; WEX leads Risk Resilience by 25 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, AFRM or WEX?
Analyst price targets imply +29.7% upside for AFRM and -3.3% for WEX, so the Street currently favors AFRM. That points the opposite way to the AIQ Score, which favors WEX. 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 WEX?
WEX is the better-valued of the two on the peer-relative Value factor. WEX on the peer-relative Value factor, by 31 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 WEX?
WEX 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 WEX?
WEX on the Momentum factor, by 26 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 WEX?
WEX is the more resilient of the two, so the other name carries the higher downside risk. WEX on Risk Resilience, by 25 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 WEX?
The profitability evidence is mixed: gross margin 68.1% vs 56.7%; operating margin 15.5% vs 25.5%; ttm roe 47.9% vs 28.2%. AFRM leads on two measures and WEX 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 WEX's lead over AFRM getting stronger or weaker?
WEX lead: Reversed — AFRM led by 6 AIQ points 30 sessions ago; WEX now leads by 14. 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 2026-10-14, when WEX moved ahead of AFRM.
What would change the AFRM vs WEX verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: AFRM closes the Value gap — currently 31 points behind, the largest single contributor to WEX's edge; AFRM's Beta Spike Warning resolves — a bearish risk rule currently active against it; WEX's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about AFRM and WEX?
AFRM: 2 bullish / 2 bearish / 1 neutral, conflicted. WEX: 4 bullish / 0 bearish. 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 WEX it is Golden Cross Active (bullish, long horizon).
Compare AFRM and WEX 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.