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Affirm Holdings, Inc.（AFRM）とAMN HEALTHCARE SERVICES INC（AMN）の財務データ比較。上の社名をクリックして会社を切り替えられます
AMN HEALTHCARE SERVICES INCの直近四半期売上が大きい（$748.2M vs $401.4M、Affirm Holdings, Inc.の約1.9倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs -1.0%、差は33.3%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 1.8%）。Affirm Holdings, Inc.の直近四半期フリーキャッシュフローが多い（$118.0M vs $67.6M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs -4.5%）
アファーム・ホールディングスは米国の金融テクノロジー企業で、購入時ローンや後払い決済サービス（BNPL）を提供しています。PayPal共同創業者のマックス・レフチンが2012年に設立した米国最大のBNPL事業者で、2025年現在利用者数は約2600万人、年間決済処理額は370億米ドルに上ります。
AMNヘルスケアサービス社は米国の代表的な医療人材ソリューション企業で、病院・診療所などの医療機関に対し看護師、医師、医療技術者をはじめ臨床・非臨床スタッフの雇用紹介を行うほか、人材管理支援やコンサルティングサービスも提供している。
AFRM vs AMN — 直接比較
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $748.2M |
| 純利益 | $129.6M | $-7.7M |
| 粗利率 | — | 26.1% |
| 営業利益率 | 29.3% | 1.1% |
| 純利益率 | 32.3% | -1.0% |
| 売上前年比 | 32.5% | 1.8% |
| 純利益前年比 | 61.3% | 95.9% |
| EPS（希薄化後） | $0.37 | $-0.19 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $401.4M | $748.2M | ||
| Q3 25 | $320.5M | $634.5M | ||
| Q2 25 | $306.6M | $658.2M | ||
| Q1 25 | $272.5M | $689.5M | ||
| Q4 24 | $303.0M | $734.7M | ||
| Q3 24 | $231.8M | $687.5M | ||
| Q2 24 | $224.0M | $740.7M | ||
| Q1 24 | $195.0M | $820.9M |
| Q4 25 | $129.6M | $-7.7M | ||
| Q3 25 | $80.7M | $29.3M | ||
| Q2 25 | $69.2M | $-116.2M | ||
| Q1 25 | $2.8M | $-1.1M | ||
| Q4 24 | $80.4M | $-187.5M | ||
| Q3 24 | $-100.2M | $7.0M | ||
| Q2 24 | $-45.1M | $16.2M | ||
| Q1 24 | $-133.9M | $17.3M |
| Q4 25 | — | 26.1% | ||
| Q3 25 | — | 29.1% | ||
| Q2 25 | — | 29.8% | ||
| Q1 25 | — | 28.7% | ||
| Q4 24 | — | 29.8% | ||
| Q3 24 | — | 31.0% | ||
| Q2 24 | — | 31.0% | ||
| Q1 24 | — | 31.4% |
| Q4 25 | 29.3% | 1.1% | ||
| Q3 25 | 19.9% | 7.5% | ||
| Q2 25 | 18.9% | -18.8% | ||
| Q1 25 | -3.1% | 1.8% | ||
| Q4 24 | -1.4% | -27.6% | ||
| Q3 24 | -57.2% | 3.2% | ||
| Q2 24 | -32.8% | 5.1% | ||
| Q1 24 | -82.5% | 4.9% |
| Q4 25 | 32.3% | -1.0% | ||
| Q3 25 | 25.2% | 4.6% | ||
| Q2 25 | 22.6% | -17.7% | ||
| Q1 25 | 1.0% | -0.2% | ||
| Q4 24 | 26.5% | -25.5% | ||
| Q3 24 | -43.2% | 1.0% | ||
| Q2 24 | -20.2% | 2.2% | ||
| Q1 24 | -68.7% | 2.1% |
| Q4 25 | $0.37 | $-0.19 | ||
| Q3 25 | $0.23 | $0.76 | ||
| Q2 25 | $0.22 | $-3.02 | ||
| Q1 25 | $0.01 | $-0.03 | ||
| Q4 24 | $0.23 | $-4.90 | ||
| Q3 24 | $-0.31 | $0.18 | ||
| Q2 24 | $-0.13 | $0.42 | ||
| Q1 24 | $-0.43 | $0.45 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $1.5B | $34.0M |
| 総負債低いほど良い | $9.0B | $767.1M |
| 株主資本純資産 | $3.5B | $642.1M |
| 総資産 | $13.0B | $2.1B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 1.19× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $34.0M | ||
| Q3 25 | $1.4B | $52.6M | ||
| Q2 25 | $1.4B | $41.5M | ||
| Q1 25 | $1.4B | $55.8M | ||
| Q4 24 | $1.2B | $10.6M | ||
| Q3 24 | $1.0B | $30.6M | ||
| Q2 24 | $1.0B | $48.0M | ||
| Q1 24 | $1.3B | $50.6M |
| Q4 25 | $9.0B | $767.1M | ||
| Q3 25 | $7.7B | — | ||
| Q2 25 | $7.6B | — | ||
| Q1 25 | $7.1B | — | ||
| Q4 24 | $7.3B | $1.1B | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.8B | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.5B | $642.1M | ||
| Q3 25 | $3.3B | $644.4M | ||
| Q2 25 | $3.1B | $607.6M | ||
| Q1 25 | $2.9B | $715.1M | ||
| Q4 24 | $2.8B | $706.6M | ||
| Q3 24 | $2.8B | $890.7M | ||
| Q2 24 | $2.7B | $876.9M | ||
| Q1 24 | $2.6B | $854.2M |
| Q4 25 | $13.0B | $2.1B | ||
| Q3 25 | $11.5B | $2.1B | ||
| Q2 25 | $11.2B | $2.2B | ||
| Q1 25 | $10.4B | $2.4B | ||
| Q4 24 | $10.5B | $2.4B | ||
| Q3 24 | $10.1B | $2.7B | ||
| Q2 24 | $9.5B | $2.8B | ||
| Q1 24 | $9.2B | $2.9B |
| Q4 25 | 2.54× | 1.19× | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.48× | — | ||
| Q1 25 | 2.49× | — | ||
| Q4 24 | 2.62× | 1.49× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.67× | — | ||
| Q1 24 | — | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $173.7M | $75.6M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $67.6M |
| FCFマージンFCF / 売上 | 29.4% | 9.0% |
| 設備投資強度設備投資 / 売上 | 13.9% | 1.1% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | — |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $233.8M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $75.6M | ||
| Q3 25 | $374.6M | $22.7M | ||
| Q2 25 | $74.6M | $78.5M | ||
| Q1 25 | $210.4M | $92.7M | ||
| Q4 24 | $312.0M | $72.8M | ||
| Q3 24 | $196.9M | $66.7M | ||
| Q2 24 | $68.8M | $99.5M | ||
| Q1 24 | $208.2M | $81.4M |
| Q4 25 | $118.0M | $67.6M | ||
| Q3 25 | $320.2M | $14.8M | ||
| Q2 25 | $23.5M | $68.7M | ||
| Q1 25 | $157.4M | $82.7M | ||
| Q4 24 | $268.1M | $56.6M | ||
| Q3 24 | $152.7M | $47.4M | ||
| Q2 24 | $30.5M | $72.2M | ||
| Q1 24 | $161.7M | $63.2M |
| Q4 25 | 29.4% | 9.0% | ||
| Q3 25 | 99.9% | 2.3% | ||
| Q2 25 | 7.7% | 10.4% | ||
| Q1 25 | 57.7% | 12.0% | ||
| Q4 24 | 88.5% | 7.7% | ||
| Q3 24 | 65.9% | 6.9% | ||
| Q2 24 | 13.6% | 9.8% | ||
| Q1 24 | 82.9% | 7.7% |
| Q4 25 | 13.9% | 1.1% | ||
| Q3 25 | 17.0% | 1.2% | ||
| Q2 25 | 16.7% | 1.5% | ||
| Q1 25 | 19.5% | 1.4% | ||
| Q4 24 | 14.5% | 2.2% | ||
| Q3 24 | 19.0% | 2.8% | ||
| Q2 24 | 17.1% | 3.7% | ||
| Q1 24 | 23.8% | 2.2% |
| Q4 25 | 1.34× | — | ||
| Q3 25 | 4.64× | 0.77× | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | 75.03× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | — | 9.54× | ||
| Q2 24 | — | 6.13× | ||
| Q1 24 | — | 4.70× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
AFRM
| Merchant Network | $328.4M | 82% |
| Virtual Card Network | $73.0M | 18% |
| Commercial Agreement Amazon | $1.9M | 0% |
AMN
| Travel Nurse Staffing | $208.3M | 28% |
| Allied Staffing | $146.9M | 20% |
| Labor Disruption Services | $124.3M | 17% |
| Technology And Workforce Solutions | $88.0M | 12% |
| Language Services | $69.9M | 9% |
| Other | $29.6M | 4% |
| International Nurse Staffing | $29.6M | 4% |
| Interim Leadership Staffing | $24.1M | 3% |
| Vendor Management Systems | $16.3M | 2% |
| Local Staffing | $8.6M | 1% |
| International Nurse Permanent Placement | $2.6M | 0% |
