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Affirm Holdings, Inc.（AFRM）とConcentra Group Holdings Parent, Inc.（CON）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
Concentra Group Holdings Parent, Inc.の直近四半期売上が大きい（$539.1M vs $401.4M、Affirm Holdings, Inc.の約1.3倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 6.4%、差は25.8%）。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 $98.5M）
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。
Concentraは米国の職業医療サービスプロバイダーで、1979年にテキサス州アマリロで設立され、本社はテキサス州アディソンにあります。47の州で627の職業医療センターと410の雇用主事業所内診療所を運営し、米国の職業傷害7件に1件は同社が診療を行っています。
AFRM vs CON — 直接比較
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $539.1M |
| 純利益 | $129.6M | $34.7M |
| 粗利率 | — | — |
| 営業利益率 | 29.3% | 12.9% |
| 純利益率 | 32.3% | 6.4% |
| 売上前年比 | 32.5% | — |
| 純利益前年比 | 61.3% | — |
| EPS（希薄化後） | $0.37 | $0.27 |
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 | $539.1M | ||
| Q3 25 | $320.5M | $572.8M | ||
| Q2 25 | $306.6M | $550.8M | ||
| Q1 25 | $272.5M | $500.8M | ||
| Q4 24 | $303.0M | — | ||
| Q3 24 | $231.8M | $489.6M | ||
| Q2 24 | $224.0M | $477.9M | ||
| Q1 24 | $195.0M | — |
| Q4 25 | $129.6M | $34.7M | ||
| Q3 25 | $80.7M | $48.3M | ||
| Q2 25 | $69.2M | $44.6M | ||
| Q1 25 | $2.8M | $38.9M | ||
| Q4 24 | $80.4M | — | ||
| Q3 24 | $-100.2M | $44.3M | ||
| Q2 24 | $-45.1M | $51.7M | ||
| Q1 24 | $-133.9M | — |
| Q4 25 | 29.3% | 12.9% | ||
| Q3 25 | 19.9% | 16.5% | ||
| Q2 25 | 18.9% | 16.3% | ||
| Q1 25 | -3.1% | 16.0% | ||
| Q4 24 | -1.4% | — | ||
| Q3 24 | -57.2% | 17.6% | ||
| Q2 24 | -32.8% | 17.6% | ||
| Q1 24 | -82.5% | — |
| Q4 25 | 32.3% | 6.4% | ||
| Q3 25 | 25.2% | 8.4% | ||
| Q2 25 | 22.6% | 8.1% | ||
| Q1 25 | 1.0% | 7.8% | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | -43.2% | 9.1% | ||
| Q2 24 | -20.2% | 10.8% | ||
| Q1 24 | -68.7% | — |
| Q4 25 | $0.37 | $0.27 | ||
| Q3 25 | $0.23 | $0.38 | ||
| Q2 25 | $0.22 | $0.35 | ||
| Q1 25 | $0.01 | $0.30 | ||
| Q4 24 | $0.23 | — | ||
| Q3 24 | $-0.31 | $0.37 | ||
| Q2 24 | $-0.13 | $0.50 | ||
| Q1 24 | $-0.43 | — |
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 | $79.9M |
| 総負債低いほど良い | $9.0B | $1.6B |
| 株主資本純資産 | $3.5B | $393.3M |
| 総資産 | $13.0B | $2.9B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 3.98× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $79.9M | ||
| Q3 25 | $1.4B | $49.9M | ||
| Q2 25 | $1.4B | $73.9M | ||
| Q1 25 | $1.4B | $52.1M | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.0B | $136.8M | ||
| Q2 24 | $1.0B | $50.7M | ||
| Q1 24 | $1.3B | — |
| Q4 25 | $9.0B | $1.6B | ||
| Q3 25 | $7.7B | $1.6B | ||
| Q2 25 | $7.6B | $1.7B | ||
| Q1 25 | $7.1B | $1.6B | ||
| Q4 24 | $7.3B | — | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | $1.8B | $3.0M | ||
| Q1 24 | — | — |
| Q4 25 | $3.5B | $393.3M | ||
| Q3 25 | $3.3B | $385.5M | ||
| Q2 25 | $3.1B | $342.6M | ||
| Q1 25 | $2.9B | $307.1M | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | $2.8B | $277.8M | ||
| Q2 24 | $2.7B | $1.2B | ||
| Q1 24 | $2.6B | — |
| Q4 25 | $13.0B | $2.9B | ||
| Q3 25 | $11.5B | $2.8B | ||
| Q2 25 | $11.2B | $2.8B | ||
| Q1 25 | $10.4B | $2.7B | ||
| Q4 24 | $10.5B | — | ||
| Q3 24 | $10.1B | $2.5B | ||
| Q2 24 | $9.5B | $2.4B | ||
| Q1 24 | $9.2B | — |
| Q4 25 | 2.54× | 3.98× | ||
| Q3 25 | 2.35× | 4.15× | ||
| Q2 25 | 2.48× | 4.82× | ||
| Q1 25 | 2.49× | 5.27× | ||
| Q4 24 | 2.62× | — | ||
| Q3 24 | — | 5.30× | ||
| Q2 24 | 0.67× | 0.00× | ||
| 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 | $118.7M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $98.5M |
| FCFマージンFCF / 売上 | 29.4% | 18.3% |
| 設備投資強度設備投資 / 売上 | 13.9% | 3.7% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 3.42× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $197.1M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $118.7M | ||
| Q3 25 | $374.6M | $60.6M | ||
| Q2 25 | $74.6M | $88.4M | ||
| Q1 25 | $210.4M | $11.7M | ||
| Q4 24 | $312.0M | — | ||
| Q3 24 | $196.9M | $65.9M | ||
| Q2 24 | $68.8M | — | ||
| Q1 24 | $208.2M | — |
| Q4 25 | $118.0M | $98.5M | ||
| Q3 25 | $320.2M | $39.4M | ||
| Q2 25 | $23.5M | $63.2M | ||
| Q1 25 | $157.4M | $-4.0M | ||
| Q4 24 | $268.1M | — | ||
| Q3 24 | $152.7M | $50.8M | ||
| Q2 24 | $30.5M | — | ||
| Q1 24 | $161.7M | — |
| Q4 25 | 29.4% | 18.3% | ||
| Q3 25 | 99.9% | 6.9% | ||
| Q2 25 | 7.7% | 11.5% | ||
| Q1 25 | 57.7% | -0.8% | ||
| Q4 24 | 88.5% | — | ||
| Q3 24 | 65.9% | 10.4% | ||
| Q2 24 | 13.6% | — | ||
| Q1 24 | 82.9% | — |
| Q4 25 | 13.9% | 3.7% | ||
| Q3 25 | 17.0% | 3.7% | ||
| Q2 25 | 16.7% | 4.6% | ||
| Q1 25 | 19.5% | 3.1% | ||
| Q4 24 | 14.5% | — | ||
| Q3 24 | 19.0% | 3.1% | ||
| Q2 24 | 17.1% | — | ||
| Q1 24 | 23.8% | — |
| Q4 25 | 1.34× | 3.42× | ||
| Q3 25 | 4.64× | 1.26× | ||
| Q2 25 | 1.08× | 1.98× | ||
| Q1 25 | 75.03× | 0.30× | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | — | 1.49× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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% |
CON
| Occupational Health Center Workers Compensation | $328.5M | 61% |
| Occupational Health Center Employer Services | $151.9M | 28% |
| Onsite Health Clinics | $36.2M | 7% |
| Other Businesses | $12.3M | 2% |
| Occupational Health Center Consumer Health | $8.1M | 2% |
| Occupational Health Center Other | $2.1M | 0% |
