AFRM vs SCHD: which was the better investment?
Affirm Holdings, Inc. against Schwab U.S. Dividend Equity ETF on real daily total-return data — every dividend reinvested, from Jan 13, 2021 to Jul 13, 2026.
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Frequently asked questions
Did AFRM beat SCHD?
No — measured from Jan 13, 2021 to Jul 13, 2026 with dividends reinvested, SCHD came out ahead: $17,851 versus $8,502 from a $10,000 start. That gap compounds from a 11.1% annual return against -2.9%.
What would $10,000 in AFRM be worth today?
$10,000 invested in Affirm Holdings, Inc. (AFRM) on Jan 13, 2021 would be worth about $8,502 as of Jul 13, 2026, a total return of -15.0% (-2.9% per year). The same $10,000 in SCHD would be worth $17,851.
Which was riskier — AFRM or SCHD?
AFRM swung with an annualized volatility of 95.1% and a worst peak-to-trough drop of -94.7%; SCHD ran at 14.3% volatility with a -16.8% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.05 for AFRM vs 0.64 for SCHD.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 13, 2021 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with AFRM vs SCHD. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.