AFRM
Price
$59.20
Change
-$2.46 (-3.99%)
Updated
Feb 4, 02:19 PM (EDT)
Capitalization
20.35B
One day until earnings call
Intraday BUY SELL Signals
OS
Price
$23.35
Change
-$21.29 (-47.69%)
Updated
Feb 3 closing price
Capitalization
4.43B
22 days until earnings call
Intraday BUY SELL Signals
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AFRM vs OS

Header iconAFRM vs OS Comparison
Open Charts AFRM vs OSBanner chart's image
Affirm Holdings
Price$59.20
Change-$2.46 (-3.99%)
Volume$1.7K
Capitalization20.35B
OneStream
Price$23.35
Change-$21.29 (-47.69%)
Volume$15M
Capitalization4.43B
AFRM vs OS Comparison Chart in %
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VS
AFRM vs. OS commentary
Feb 04, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AFRM is a Hold and OS is a StrongBuy.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (AFRM: $61.66 vs. OS: $23.35)
Brand notoriety: AFRM and OS are both not notable
AFRM represents the Savings Banks, while OS is part of the Computer Communications industry
Current volume relative to the 65-day Moving Average: AFRM: 164% vs. OS: 370%
Market capitalization -- AFRM: $20.35B vs. OS: $4.43B
AFRM [@Savings Banks] is valued at $20.35B. OS’s [@Computer Communications] market capitalization is $4.43B. The market cap for tickers in the [@Savings Banks] industry ranges from $632.61B to $0. The market cap for tickers in the [@Computer Communications] industry ranges from $3.05T to $0. The average market capitalization across the [@Savings Banks] industry is $20.89B. The average market capitalization across the [@Computer Communications] industry is $21.74B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

AFRM’s FA Score shows that 0 FA rating(s) are green whileOS’s FA Score has 0 green FA rating(s).

  • AFRM’s FA Score: 0 green, 5 red.
  • OS’s FA Score: 0 green, 5 red.
According to our system of comparison, OS is a better buy in the long-term than AFRM.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

AFRM’s TA Score shows that 5 TA indicator(s) are bullish while OS’s TA Score has 6 bullish TA indicator(s).

  • AFRM’s TA Score: 5 bullish, 5 bearish.
  • OS’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, OS is a better buy in the short-term than AFRM.

Price Growth

AFRM (@Savings Banks) experienced а -10.36% price change this week, while OS (@Computer Communications) price change was -1.39% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.58%. For the same industry, the average monthly price growth was -5.47%, and the average quarterly price growth was +1.21%.

The average weekly price growth across all stocks in the @Computer Communications industry was -0.31%. For the same industry, the average monthly price growth was +8.36%, and the average quarterly price growth was +1.18%.

Reported Earning Dates

AFRM is expected to report earnings on Feb 05, 2026.

OS is expected to report earnings on Feb 26, 2026.

Industries' Descriptions

@Savings Banks (-1.58% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

@Computer Communications (-0.31% weekly)

Computer communications industry develops technology that allows computing devices to exchange data with each other using connections/data links between nodes. Common types of computer network include Cloud (IAN), Internet, Wide (WAN, Local (LAN)/Wireless(WLAN) etc. The industry is an ever-more important part of technology, and is set to become even bigger as the Internet of Things (IoT) rapidly forays into the various aspects of our lives. Cisco Systems, Inc., Palo Alto Networks, Inc. and Arista Networks, Inc., Fortinet, Inc. are some of the major computer communications companies.

SUMMARIES
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FUNDAMENTALS
Fundamentals
AFRM($20.4B) has a higher market cap than OS($4.43B). OS YTD gains are higher at: 27.040 vs. AFRM (-17.157). AFRM has higher annual earnings (EBITDA): 918M vs. OS (-132.66M). AFRM has more cash in the bank: 2.24B vs. OS (654M). OS has less debt than AFRM: OS (17.7M) vs AFRM (7.96B). AFRM has higher revenues than OS: AFRM (3.46B) vs OS (571M).
AFRMOSAFRM / OS
Capitalization20.4B4.43B461%
EBITDA918M-132.66M-692%
Gain YTD-17.15727.040-63%
P/E Ratio89.36N/A-
Revenue3.46B571M606%
Total Cash2.24B654M343%
Total Debt7.96B17.7M44,960%
TECHNICAL ANALYSIS
Technical Analysis
AFRMOS
RSI
ODDS (%)
Bullish Trend 2 days ago
88%
Bearish Trend 2 days ago
89%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
71%
Momentum
ODDS (%)
Bearish Trend 2 days ago
84%
Bearish Trend 2 days ago
90%
MACD
ODDS (%)
Bearish Trend 2 days ago
79%
Bearish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
84%
Bearish Trend 2 days ago
86%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
87%
Bullish Trend 2 days ago
55%
Advances
ODDS (%)
Bullish Trend 14 days ago
83%
Bullish Trend 23 days ago
67%
Declines
ODDS (%)
Bearish Trend 6 days ago
85%
Bearish Trend 2 days ago
82%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
90%
Aroon
ODDS (%)
Bullish Trend 2 days ago
84%
Bullish Trend 2 days ago
42%
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AFRM
Daily Signal:
Gain/Loss:
OS
Daily Signal:
Gain/Loss:
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AFRM and

Correlation & Price change

A.I.dvisor indicates that over the last year, AFRM has been closely correlated with COIN. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if AFRM jumps, then COIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To AFRM
1D Price
Change %
AFRM100%
-0.53%
COIN - AFRM
81%
Closely correlated
-4.36%
CLSK - AFRM
71%
Closely correlated
+2.90%
RIOT - AFRM
70%
Closely correlated
+0.13%
SOFI - AFRM
65%
Loosely correlated
-1.45%
SYF - AFRM
61%
Loosely correlated
+0.52%
More

OS and

Correlation & Price change

A.I.dvisor indicates that over the last year, OS has been loosely correlated with TDC. These tickers have moved in lockstep 52% of the time. This A.I.-generated data suggests there is some statistical probability that if OS jumps, then TDC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OS
1D Price
Change %
OS100%
-0.93%
TDC - OS
52%
Loosely correlated
-7.10%
TOST - OS
49%
Loosely correlated
-10.37%
AFRM - OS
44%
Loosely correlated
-0.53%
AIOT - OS
43%
Loosely correlated
-3.52%
S - OS
43%
Loosely correlated
N/A
More