vs
Affirm Holdings, Inc.（AFRM）とBRIGHT HORIZONS FAMILY SOLUTIONS INC.（BFAM）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
BRIGHT HORIZONS FAMILY SOLUTIONS INC.の直近四半期売上が大きい（$733.7M vs $401.4M、Affirm Holdings, Inc.の約1.8倍）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 8.8%）。BRIGHT HORIZONS FAMILY SOLUTIONS INC.の直近四半期フリーキャッシュフローが多い（$258.5M vs $118.0M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs 8.5%）
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。
Bright Horizons Family Solutions Inc.は米国マサチューセッツ州ニュートンに本社を置く保育サービス事業者で、米国最大の企業主導型保育サービス提供会社です。予備保育・高齢者介護・授業料管理プログラム・教育アドバイス・学生ローン返済支援などのサービスも展開しています。
AFRM vs BFAM — 直接比較
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $733.7M |
| 純利益 | $129.6M | — |
| 粗利率 | — | 19.3% |
| 営業利益率 | 29.3% | 6.2% |
| 純利益率 | 32.3% | — |
| 売上前年比 | 32.5% | 8.8% |
| 純利益前年比 | 61.3% | — |
| EPS（希薄化後） | $0.37 | $0.38 |
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 | $733.7M | ||
| Q3 25 | $320.5M | $802.8M | ||
| Q2 25 | $306.6M | $731.6M | ||
| Q1 25 | $272.5M | $665.5M | ||
| Q4 24 | $303.0M | $674.1M | ||
| Q3 24 | $231.8M | $719.1M | ||
| Q2 24 | $224.0M | $670.1M | ||
| Q1 24 | $195.0M | $622.7M |
| Q4 25 | $129.6M | — | ||
| Q3 25 | $80.7M | $78.6M | ||
| Q2 25 | $69.2M | $54.8M | ||
| Q1 25 | $2.8M | $38.0M | ||
| Q4 24 | $80.4M | — | ||
| Q3 24 | $-100.2M | $54.9M | ||
| Q2 24 | $-45.1M | $39.2M | ||
| Q1 24 | $-133.9M | $17.0M |
| Q4 25 | — | 19.3% | ||
| Q3 25 | — | 27.0% | ||
| Q2 25 | — | 25.0% | ||
| Q1 25 | — | 23.4% | ||
| Q4 24 | — | 20.8% | ||
| Q3 24 | — | 25.2% | ||
| Q2 24 | — | 24.2% | ||
| Q1 24 | — | 21.7% |
| Q4 25 | 29.3% | 6.2% | ||
| Q3 25 | 19.9% | 15.1% | ||
| Q2 25 | 18.9% | 11.8% | ||
| Q1 25 | -3.1% | 9.4% | ||
| Q4 24 | -1.4% | 7.2% | ||
| Q3 24 | -57.2% | 12.4% | ||
| Q2 24 | -32.8% | 10.3% | ||
| Q1 24 | -82.5% | 6.4% |
| Q4 25 | 32.3% | — | ||
| Q3 25 | 25.2% | 9.8% | ||
| Q2 25 | 22.6% | 7.5% | ||
| Q1 25 | 1.0% | 5.7% | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | -43.2% | 7.6% | ||
| Q2 24 | -20.2% | 5.8% | ||
| Q1 24 | -68.7% | 2.7% |
| Q4 25 | $0.37 | $0.38 | ||
| Q3 25 | $0.23 | $1.37 | ||
| Q2 25 | $0.22 | $0.95 | ||
| Q1 25 | $0.01 | $0.66 | ||
| Q4 24 | $0.23 | $0.50 | ||
| Q3 24 | $-0.31 | $0.94 | ||
| Q2 24 | $-0.13 | $0.67 | ||
| Q1 24 | $-0.43 | $0.29 |
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 | $140.1M |
| 総負債低いほど良い | $9.0B | $747.6M |
| 株主資本純資産 | $3.5B | $1.3B |
| 総資産 | $13.0B | $3.9B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 0.56× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $140.1M | ||
| Q3 25 | $1.4B | $116.6M | ||
| Q2 25 | $1.4B | $179.2M | ||
| Q1 25 | $1.4B | $112.0M | ||
| Q4 24 | $1.2B | $110.3M | ||
| Q3 24 | $1.0B | $109.9M | ||
| Q2 24 | $1.0B | $140.2M | ||
| Q1 24 | $1.3B | $63.7M |
| Q4 25 | $9.0B | $747.6M | ||
| Q3 25 | $7.7B | $747.5M | ||
| Q2 25 | $7.6B | $797.0M | ||
| Q1 25 | $7.1B | $872.7M | ||
| Q4 24 | $7.3B | $918.4M | ||
| Q3 24 | — | $925.7M | ||
| Q2 24 | $1.8B | $931.9M | ||
| Q1 24 | — | $938.1M |
| Q4 25 | $3.5B | $1.3B | ||
| Q3 25 | $3.3B | $1.4B | ||
| Q2 25 | $3.1B | $1.4B | ||
| Q1 25 | $2.9B | $1.3B | ||
| Q4 24 | $2.8B | $1.3B | ||
| Q3 24 | $2.8B | $1.4B | ||
| Q2 24 | $2.7B | $1.3B | ||
| Q1 24 | $2.6B | $1.2B |
| Q4 25 | $13.0B | $3.9B | ||
| Q3 25 | $11.5B | $3.9B | ||
| Q2 25 | $11.2B | $3.9B | ||
| Q1 25 | $10.4B | $3.8B | ||
| Q4 24 | $10.5B | $3.9B | ||
| Q3 24 | $10.1B | $3.9B | ||
| Q2 24 | $9.5B | $3.8B | ||
| Q1 24 | $9.2B | $3.8B |
| Q4 25 | 2.54× | 0.56× | ||
| Q3 25 | 2.35× | 0.52× | ||
| Q2 25 | 2.48× | 0.57× | ||
| Q1 25 | 2.49× | 0.66× | ||
| Q4 24 | 2.62× | 0.72× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | 0.67× | 0.73× | ||
| Q1 24 | — | 0.76× |
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 | $350.7M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $258.5M |
| FCFマージンFCF / 売上 | 29.4% | 35.2% |
| 設備投資強度設備投資 / 売上 | 13.9% | 12.6% |
| 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 | $402.4M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $350.7M | ||
| Q3 25 | $374.6M | $-17.6M | ||
| Q2 25 | $74.6M | $134.2M | ||
| Q1 25 | $210.4M | $86.2M | ||
| Q4 24 | $312.0M | $337.5M | ||
| Q3 24 | $196.9M | $-8.9M | ||
| Q2 24 | $68.8M | $109.4M | ||
| Q1 24 | $208.2M | $116.3M |
| Q4 25 | $118.0M | $258.5M | ||
| Q3 25 | $320.2M | $-42.4M | ||
| Q2 25 | $23.5M | $115.4M | ||
| Q1 25 | $157.4M | $70.9M | ||
| Q4 24 | $268.1M | $240.2M | ||
| Q3 24 | $152.7M | $-32.2M | ||
| Q2 24 | $30.5M | $86.8M | ||
| Q1 24 | $161.7M | $96.9M |
| Q4 25 | 29.4% | 35.2% | ||
| Q3 25 | 99.9% | -5.3% | ||
| Q2 25 | 7.7% | 15.8% | ||
| Q1 25 | 57.7% | 10.7% | ||
| Q4 24 | 88.5% | 35.6% | ||
| Q3 24 | 65.9% | -4.5% | ||
| Q2 24 | 13.6% | 13.0% | ||
| Q1 24 | 82.9% | 15.6% |
| Q4 25 | 13.9% | 12.6% | ||
| Q3 25 | 17.0% | 3.1% | ||
| Q2 25 | 16.7% | 2.6% | ||
| Q1 25 | 19.5% | 2.3% | ||
| Q4 24 | 14.5% | 14.4% | ||
| Q3 24 | 19.0% | 3.2% | ||
| Q2 24 | 17.1% | 3.4% | ||
| Q1 24 | 23.8% | 3.1% |
| Q4 25 | 1.34× | — | ||
| Q3 25 | 4.64× | -0.22× | ||
| Q2 25 | 1.08× | 2.45× | ||
| Q1 25 | 75.03× | 2.26× | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | — | -0.16× | ||
| Q2 24 | — | 2.79× | ||
| Q1 24 | — | 6.85× |
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% |
BFAM
セグメントデータなし
