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Affirm Holdings, Inc.（AFRM）とESCO TECHNOLOGIES INC（ESE）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
Affirm Holdings, Inc.の直近四半期売上が大きい（$401.4M vs $289.7M、ESCO TECHNOLOGIES INCの約1.4倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 9.9%、差は22.4%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 17.3%）。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 $63.0M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs 7.8%）
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。
ESCOはシンガポール発のブランドで、研究室向け製品・サービスの開発、製造、販売を主力事業としています。ライフサイエンス、医療、産業検査などの分野の研究室に対し、ニーズに応じた最適なソリューションとアフターサービスを提供しています。
AFRM vs ESE — 直接比較
損益計算書 — Q2 FY2026 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $289.7M |
| 純利益 | $129.6M | $28.7M |
| 粗利率 | — | 41.4% |
| 営業利益率 | 29.3% | 13.2% |
| 純利益率 | 32.3% | 9.9% |
| 売上前年比 | 32.5% | 17.3% |
| 純利益前年比 | 61.3% | 22.2% |
| EPS（希薄化後） | $0.37 | $1.11 |
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 | $289.7M | ||
| Q3 25 | $320.5M | $286.5M | ||
| Q2 25 | $306.6M | $296.3M | ||
| Q1 25 | $272.5M | $265.5M | ||
| Q4 24 | $303.0M | $247.0M | ||
| Q3 24 | $231.8M | $298.5M | ||
| Q2 24 | $224.0M | $260.8M | ||
| Q1 24 | $195.0M | $249.1M |
| Q4 25 | $129.6M | $28.7M | ||
| Q3 25 | $80.7M | $218.7M | ||
| Q2 25 | $69.2M | $26.1M | ||
| Q1 25 | $2.8M | $31.0M | ||
| Q4 24 | $80.4M | $23.5M | ||
| Q3 24 | $-100.2M | $34.3M | ||
| Q2 24 | $-45.1M | $29.2M | ||
| Q1 24 | $-133.9M | $23.2M |
| Q4 25 | — | 41.4% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 41.2% | ||
| Q1 25 | — | 41.1% | ||
| Q4 24 | — | 39.8% | ||
| Q3 24 | — | 40.1% | ||
| Q2 24 | — | 39.6% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | 29.3% | 13.2% | ||
| Q3 25 | 19.9% | 17.2% | ||
| Q2 25 | 18.9% | 11.2% | ||
| Q1 25 | -3.1% | 15.3% | ||
| Q4 24 | -1.4% | 11.4% | ||
| Q3 24 | -57.2% | 14.8% | ||
| Q2 24 | -32.8% | 14.3% | ||
| Q1 24 | -82.5% | 11.7% |
| Q4 25 | 32.3% | 9.9% | ||
| Q3 25 | 25.2% | 76.3% | ||
| Q2 25 | 22.6% | 8.8% | ||
| Q1 25 | 1.0% | 11.7% | ||
| Q4 24 | 26.5% | 9.5% | ||
| Q3 24 | -43.2% | 11.5% | ||
| Q2 24 | -20.2% | 11.2% | ||
| Q1 24 | -68.7% | 9.3% |
| Q4 25 | $0.37 | $1.11 | ||
| Q3 25 | $0.23 | $8.43 | ||
| Q2 25 | $0.22 | $1.01 | ||
| Q1 25 | $0.01 | $1.20 | ||
| Q4 24 | $0.23 | $0.91 | ||
| Q3 24 | $-0.31 | $1.32 | ||
| Q2 24 | $-0.13 | $1.13 | ||
| Q1 24 | $-0.43 | $0.90 |
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 | $103.8M |
| 総負債低いほど良い | $9.0B | $145.5M |
| 株主資本純資産 | $3.5B | $1.6B |
| 総資産 | $13.0B | $2.4B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 0.09× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $103.8M | ||
| Q3 25 | $1.4B | $101.3M | ||
| Q2 25 | $1.4B | $78.7M | ||
| Q1 25 | $1.4B | $57.4M | ||
| Q4 24 | $1.2B | $71.3M | ||
| Q3 24 | $1.0B | $66.0M | ||
| Q2 24 | $1.0B | $63.0M | ||
| Q1 24 | $1.3B | $59.4M |
| Q4 25 | $9.0B | $145.5M | ||
| Q3 25 | $7.7B | $186.0M | ||
| Q2 25 | $7.6B | $525.0M | ||
| Q1 25 | $7.1B | $88.0M | ||
| Q4 24 | $7.3B | $112.0M | ||
| Q3 24 | — | $122.0M | ||
| Q2 24 | $1.8B | $173.0M | ||
| Q1 24 | — | $191.0M |
| Q4 25 | $3.5B | $1.6B | ||
| Q3 25 | $3.3B | $1.5B | ||
| Q2 25 | $3.1B | $1.3B | ||
| Q1 25 | $2.9B | $1.3B | ||
| Q4 24 | $2.8B | $1.2B | ||
| Q3 24 | $2.8B | $1.2B | ||
| Q2 24 | $2.7B | $1.2B | ||
| Q1 24 | $2.6B | $1.2B |
| Q4 25 | $13.0B | $2.4B | ||
| Q3 25 | $11.5B | $2.4B | ||
| Q2 25 | $11.2B | $2.5B | ||
| Q1 25 | $10.4B | $1.8B | ||
| Q4 24 | $10.5B | $1.8B | ||
| Q3 24 | $10.1B | $1.8B | ||
| Q2 24 | $9.5B | $1.8B | ||
| Q1 24 | $9.2B | $1.8B |
| Q4 25 | 2.54× | 0.09× | ||
| Q3 25 | 2.35× | 0.12× | ||
| Q2 25 | 2.48× | 0.40× | ||
| Q1 25 | 2.49× | 0.07× | ||
| Q4 24 | 2.62× | 0.09× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | 0.67× | 0.14× | ||
| Q1 24 | — | 0.16× |
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 | $68.9M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $63.0M |
| FCFマージンFCF / 売上 | 29.4% | 21.7% |
| 設備投資強度設備投資 / 売上 | 13.9% | 2.0% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 2.40× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $239.6M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $68.9M | ||
| Q3 25 | $374.6M | $109.9M | ||
| Q2 25 | $74.6M | $73.7M | ||
| Q1 25 | $210.4M | $24.1M | ||
| Q4 24 | $312.0M | $34.2M | ||
| Q3 24 | $196.9M | $72.1M | ||
| Q2 24 | $68.8M | $36.2M | ||
| Q1 24 | $208.2M | $10.5M |
| Q4 25 | $118.0M | $63.0M | ||
| Q3 25 | $320.2M | $97.8M | ||
| Q2 25 | $23.5M | $64.9M | ||
| Q1 25 | $157.4M | $14.0M | ||
| Q4 24 | $268.1M | $29.0M | ||
| Q3 24 | $152.7M | $60.9M | ||
| Q2 24 | $30.5M | $27.6M | ||
| Q1 24 | $161.7M | $2.0M |
| Q4 25 | 29.4% | 21.7% | ||
| Q3 25 | 99.9% | 34.1% | ||
| Q2 25 | 7.7% | 21.9% | ||
| Q1 25 | 57.7% | 5.3% | ||
| Q4 24 | 88.5% | 11.7% | ||
| Q3 24 | 65.9% | 20.4% | ||
| Q2 24 | 13.6% | 10.6% | ||
| Q1 24 | 82.9% | 0.8% |
| Q4 25 | 13.9% | 2.0% | ||
| Q3 25 | 17.0% | 4.2% | ||
| Q2 25 | 16.7% | 3.0% | ||
| Q1 25 | 19.5% | 3.8% | ||
| Q4 24 | 14.5% | 2.1% | ||
| Q3 24 | 19.0% | 3.8% | ||
| Q2 24 | 17.1% | 3.3% | ||
| Q1 24 | 23.8% | 3.4% |
| Q4 25 | 1.34× | 2.40× | ||
| Q3 25 | 4.64× | 0.50× | ||
| Q2 25 | 1.08× | 2.83× | ||
| Q1 25 | 75.03× | 0.78× | ||
| Q4 24 | 3.88× | 1.46× | ||
| Q3 24 | — | 2.10× | ||
| Q2 24 | — | 1.24× | ||
| Q1 24 | — | 0.45× |
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% |
ESE
| US Government | $98.0M | 34% |
| Utility Solutions Group | $87.5M | 30% |
| RF Shielding And Test | $58.3M | 20% |
| Commercial | $45.8M | 16% |
| Related Party | $1.3M | 0% |
