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Affirm Holdings, Inc.（AFRM）とCENTRAL GARDEN & PET CO（CENT）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
CENTRAL GARDEN & PET COの直近四半期売上が大きい（$617.4M vs $401.4M、Affirm Holdings, Inc.の約1.5倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 1.1%、差は31.2%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs -6.0%）。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 $-81.0M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs -17.2%）
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。
米国に本社を置くCentral Garden & Pet Coは、ペット用品と園芸製品の大手サプライヤーです。ペットフード、グルーミング用品、芝生管理グッズ、園芸アクセサリーなどを取り扱い、北米全域の量販店、個人経営のペットショップ、園芸センターなどに製品を供給しています。
AFRM vs CENT — 直接比較
損益計算書 — Q2 FY2026 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $617.4M |
| 純利益 | $129.6M | $6.8M |
| 粗利率 | — | 30.9% |
| 営業利益率 | 29.3% | 2.7% |
| 純利益率 | 32.3% | 1.1% |
| 売上前年比 | 32.5% | -6.0% |
| 純利益前年比 | 61.3% | -51.2% |
| EPS（希薄化後） | $0.37 | $0.11 |
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 | $617.4M | ||
| Q3 25 | $320.5M | $678.2M | ||
| Q2 25 | $306.6M | $960.9M | ||
| Q1 25 | $272.5M | $833.5M | ||
| Q4 24 | $303.0M | $656.4M | ||
| Q3 24 | $231.8M | $669.5M | ||
| Q2 24 | $224.0M | $996.3M | ||
| Q1 24 | $195.0M | $900.1M |
| Q4 25 | $129.6M | $6.8M | ||
| Q3 25 | $80.7M | $-9.8M | ||
| Q2 25 | $69.2M | $95.0M | ||
| Q1 25 | $2.8M | $63.6M | ||
| Q4 24 | $80.4M | $14.0M | ||
| Q3 24 | $-100.2M | $-34.2M | ||
| Q2 24 | $-45.1M | $79.7M | ||
| Q1 24 | $-133.9M | $62.0M |
| Q4 25 | — | 30.9% | ||
| Q3 25 | — | 29.0% | ||
| Q2 25 | — | 34.6% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 29.8% | ||
| Q3 24 | — | 25.2% | ||
| Q2 24 | — | 31.8% | ||
| Q1 24 | — | 31.0% |
| Q4 25 | 29.3% | 2.7% | ||
| Q3 25 | 19.9% | -0.9% | ||
| Q2 25 | 18.9% | 14.1% | ||
| Q1 25 | -3.1% | 11.2% | ||
| Q4 24 | -1.4% | 4.3% | ||
| Q3 24 | -57.2% | -4.8% | ||
| Q2 24 | -32.8% | 11.6% | ||
| Q1 24 | -82.5% | 10.4% |
| Q4 25 | 32.3% | 1.1% | ||
| Q3 25 | 25.2% | -1.4% | ||
| Q2 25 | 22.6% | 9.9% | ||
| Q1 25 | 1.0% | 7.6% | ||
| Q4 24 | 26.5% | 2.1% | ||
| Q3 24 | -43.2% | -5.1% | ||
| Q2 24 | -20.2% | 8.0% | ||
| Q1 24 | -68.7% | 6.9% |
| Q4 25 | $0.37 | $0.11 | ||
| Q3 25 | $0.23 | $-0.16 | ||
| Q2 25 | $0.22 | $1.52 | ||
| Q1 25 | $0.01 | $0.98 | ||
| Q4 24 | $0.23 | $0.21 | ||
| Q3 24 | $-0.31 | $-0.51 | ||
| Q2 24 | $-0.13 | $1.19 | ||
| Q1 24 | $-0.43 | $0.93 |
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 | $721.1M |
| 総負債低いほど良い | $9.0B | $1.2B |
| 株主資本純資産 | $3.5B | $1.6B |
| 総資産 | $13.0B | $3.6B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 0.76× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $721.1M | ||
| Q3 25 | $1.4B | $882.5M | ||
| Q2 25 | $1.4B | $713.0M | ||
| Q1 25 | $1.4B | $516.7M | ||
| Q4 24 | $1.2B | $618.0M | ||
| Q3 24 | $1.0B | $753.5M | ||
| Q2 24 | $1.0B | $570.4M | ||
| Q1 24 | $1.3B | $301.3M |
| Q4 25 | $9.0B | $1.2B | ||
| Q3 25 | $7.7B | $1.2B | ||
| Q2 25 | $7.6B | $1.2B | ||
| Q1 25 | $7.1B | $1.2B | ||
| Q4 24 | $7.3B | $1.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | $1.8B | $1.2B | ||
| Q1 24 | — | $1.2B |
| Q4 25 | $3.5B | $1.6B | ||
| Q3 25 | $3.3B | $1.6B | ||
| Q2 25 | $3.1B | $1.6B | ||
| Q1 25 | $2.9B | $1.5B | ||
| Q4 24 | $2.8B | $1.5B | ||
| Q3 24 | $2.8B | $1.6B | ||
| Q2 24 | $2.7B | $1.6B | ||
| Q1 24 | $2.6B | $1.5B |
| Q4 25 | $13.0B | $3.6B | ||
| Q3 25 | $11.5B | $3.6B | ||
| Q2 25 | $11.2B | $3.7B | ||
| Q1 25 | $10.4B | $3.6B | ||
| Q4 24 | $10.5B | $3.5B | ||
| Q3 24 | $10.1B | $3.6B | ||
| Q2 24 | $9.5B | $3.6B | ||
| Q1 24 | $9.2B | $3.5B |
| Q4 25 | 2.54× | 0.76× | ||
| Q3 25 | 2.35× | 0.75× | ||
| Q2 25 | 2.48× | 0.75× | ||
| Q1 25 | 2.49× | 0.77× | ||
| Q4 24 | 2.62× | 0.78× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | 0.67× | 0.75× | ||
| Q1 24 | — | 0.79× |
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 | $-70.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $-81.0M |
| FCFマージンFCF / 売上 | 29.4% | -13.1% |
| 設備投資強度設備投資 / 売上 | 13.9% | 1.8% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | -10.26× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $285.0M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $-70.2M | ||
| Q3 25 | $374.6M | $182.7M | ||
| Q2 25 | $74.6M | $265.5M | ||
| Q1 25 | $210.4M | $-46.9M | ||
| Q4 24 | $312.0M | $-68.8M | ||
| Q3 24 | $196.9M | $203.1M | ||
| Q2 24 | $68.8M | $286.1M | ||
| Q1 24 | $208.2M | $-24.5M |
| Q4 25 | $118.0M | $-81.0M | ||
| Q3 25 | $320.2M | $171.9M | ||
| Q2 25 | $23.5M | $251.7M | ||
| Q1 25 | $157.4M | $-57.5M | ||
| Q4 24 | $268.1M | $-74.9M | ||
| Q3 24 | $152.7M | $193.0M | ||
| Q2 24 | $30.5M | $272.5M | ||
| Q1 24 | $161.7M | $-33.9M |
| Q4 25 | 29.4% | -13.1% | ||
| Q3 25 | 99.9% | 25.3% | ||
| Q2 25 | 7.7% | 26.2% | ||
| Q1 25 | 57.7% | -6.9% | ||
| Q4 24 | 88.5% | -11.4% | ||
| Q3 24 | 65.9% | 28.8% | ||
| Q2 24 | 13.6% | 27.3% | ||
| Q1 24 | 82.9% | -3.8% |
| Q4 25 | 13.9% | 1.8% | ||
| Q3 25 | 17.0% | 1.6% | ||
| Q2 25 | 16.7% | 1.4% | ||
| Q1 25 | 19.5% | 1.3% | ||
| Q4 24 | 14.5% | 0.9% | ||
| Q3 24 | 19.0% | 1.5% | ||
| Q2 24 | 17.1% | 1.4% | ||
| Q1 24 | 23.8% | 1.0% |
| Q4 25 | 1.34× | -10.26× | ||
| Q3 25 | 4.64× | — | ||
| Q2 25 | 1.08× | 2.79× | ||
| Q1 25 | 75.03× | -0.74× | ||
| Q4 24 | 3.88× | -4.91× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.59× | ||
| Q1 24 | — | -0.40× |
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% |
CENT
| Garden Products Segment | $201.6M | 33% |
| Dogand Cat Products | $157.0M | 25% |
| Other Pet Products | $117.8M | 19% |
| Manufactured Product Other | $102.5M | 17% |
| Wild Bird Products | $38.5M | 6% |
