TBBK vs INBK vs SOFI vs FIS vs AFRM

For growth investors, Affirm Holdings, Inc.

(AFRM) is the stronger pick with 38. 8% revenue growth year-over-year, versus -3. 2% for First Internet Bancorp (INBK). The Bancorp, Inc. (TBBK) offers the better valuation at 12. 1x trailing P/E (10. 1x forward), making it the more compelling value choice. Analysts rate The Bancorp, Inc. (TBBK) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, The Bancorp, Inc.

(TBBK) is the cheapest at 12. 1x versus Affirm Holdings, Inc. at 449. 1x. On forward P/E, Fidelity National Information Services, Inc. is actually cheaper at 7. 5x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fidelity National Information Services, Inc. wins at 0. 31x versus The Bancorp, Inc. 's 0. 35x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, The Bancorp, Inc.

(TBBK) delivered a total return of +144. 4%, compared to -63. 2% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: TBBK returned +991. 7% versus AFRM's -30. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Fidelity National Information Services, Inc.

(FIS) is the lower-risk stock at 0. 76β versus Affirm Holdings, Inc. 's 2. 72β — meaning AFRM is approximately 260% more volatile than FIS relative to the S&P 500. On balance sheet safety, SoFi Technologies, Inc. (SOFI) carries a lower debt/equity ratio of 17% versus 3% for Affirm Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Affirm Holdings, Inc.

(AFRM) is pulling ahead at 38. 8% versus -3. 2% for First Internet Bancorp (INBK). On earnings-per-share growth, the picture is similar: Affirm Holdings, Inc. grew EPS 109. 0% year-over-year, compared to -239. 9% for First Internet Bancorp. Over a 3-year CAGR, AFRM leads at 33. 7% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

The Bancorp, Inc.

(TBBK) is the more profitable company, earning 33. 1% net margin versus -10. 9% for First Internet Bancorp — meaning it keeps 33. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TBBK leads at 43. 9% versus -15. 8% for INBK. At the gross margin level — before operating expenses — SOFI leads at 75. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Fidelity National Information Services, Inc. (FIS) is the more undervalued stock at a PEG of 0. 31x versus The Bancorp, Inc. 's 0. 35x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fidelity National Information Services, Inc. (FIS) trades at 7. 5x forward P/E versus 62. 5x for Affirm Holdings, Inc. — 55. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 42. 6% to $67. 38.

In this comparison, FIS (3.

5% yield), INBK (0. 9% yield) pay a dividend. TBBK, SOFI, AFRM do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Fidelity National Information Services, Inc.

(FIS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 76), 3. 5% yield). Affirm Holdings, Inc. (AFRM) carries a higher beta of 2. 72 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FIS: -13. 2%, AFRM: -30. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (TBBK (Financial Services) and INBK (Financial Services) and SOFI (Financial Services) and FIS (Technology) and AFRM (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: TBBK is a small-cap deep-value stock; INBK is a small-cap quality compounder stock; SOFI is a mid-cap high-growth stock; FIS is a mid-cap income-oriented stock; AFRM is a mid-cap high-growth stock. INBK, FIS pay a dividend while TBBK, SOFI, AFRM do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.