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Side-by-side financial comparison of Affirm Holdings, Inc. (AFRM) and PagSeguro Digital Ltd. (PAGS). Click either name above to swap in a different company.

Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later (BNPL) financier. As of 2025, Affirm reports nearly 26 million users and processing $37 billion in annual payments.

PagSeguro is a financial services and digital payments company based in São Paulo, Brazil and incorporated in the Grand Cayman, Cayman Islands. Founded in 2006, the company primarily offers payment processing software for e-commerce websites, mobile applications, point of sale terminals, and payment terminals. It has been traded as a public company on the New York Stock Exchange since January 2018 with the ticker symbol PAGS.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
AFRM
AFRM
PAGS
PAGS
Q4 25
$401.4M
Q3 25
$320.5M
Q2 25
$306.6M
Q1 25
$272.5M
Q4 24
$303.0M
Q3 24
$231.8M
Q2 24
$224.0M
Q1 24
$195.0M
Net Profit
AFRM
AFRM
PAGS
PAGS
Q4 25
$129.6M
Q3 25
$80.7M
Q2 25
$69.2M
Q1 25
$2.8M
Q4 24
$80.4M
Q3 24
$-100.2M
Q2 24
$-45.1M
Q1 24
$-133.9M
Operating Margin
AFRM
AFRM
PAGS
PAGS
Q4 25
29.3%
Q3 25
19.9%
Q2 25
18.9%
Q1 25
-3.1%
Q4 24
-1.4%
Q3 24
-57.2%
Q2 24
-32.8%
Q1 24
-82.5%
Net Margin
AFRM
AFRM
PAGS
PAGS
Q4 25
32.3%
Q3 25
25.2%
Q2 25
22.6%
Q1 25
1.0%
Q4 24
26.5%
Q3 24
-43.2%
Q2 24
-20.2%
Q1 24
-68.7%
EPS (diluted)
AFRM
AFRM
PAGS
PAGS
Q4 25
$0.37
Q3 25
$0.23
Q2 25
$0.22
Q1 25
$0.01
Q4 24
$0.23
Q3 24
$-0.31
Q2 24
$-0.13
Q1 24
$-0.43

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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