vs
Affirm Holdings, Inc.（AFRM）とFair Isaac（FICO）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
Fair Isaacの直近四半期売上が大きい（$512.0M 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 30.9%、差は1.3%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 16.4%）。Fair Isaacの直近四半期フリーキャッシュフローが多い（$173.9M 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 8.6%）
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。
FICO（旧社名Fair, Isaac and Company）は米国モンタナ州ボーズマンに本社を置くデータ分析企業で、1956年にビル・フェアとアール・アイザックにより創業されました。消費者の信用リスクを測定するFICOスコアは、米国の消費者融資業界で広く活用されています。
AFRM vs FICO — 直接比較
損益計算書 — Q2 FY2026 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $512.0M |
| 純利益 | $129.6M | $158.4M |
| 粗利率 | — | 83.0% |
| 営業利益率 | 29.3% | 45.7% |
| 純利益率 | 32.3% | 30.9% |
| 売上前年比 | 32.5% | 16.4% |
| 純利益前年比 | 61.3% | 3.8% |
| EPS（希薄化後） | $0.37 | $6.61 |
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 | $512.0M | ||
| Q3 25 | $320.5M | $515.8M | ||
| Q2 25 | $306.6M | $536.4M | ||
| Q1 25 | $272.5M | $498.7M | ||
| Q4 24 | $303.0M | $440.0M | ||
| Q3 24 | $231.8M | $453.8M | ||
| Q2 24 | $224.0M | $447.8M | ||
| Q1 24 | $195.0M | $433.8M |
| Q4 25 | $129.6M | $158.4M | ||
| Q3 25 | $80.7M | $155.0M | ||
| Q2 25 | $69.2M | $181.8M | ||
| Q1 25 | $2.8M | $162.6M | ||
| Q4 24 | $80.4M | $152.5M | ||
| Q3 24 | $-100.2M | $135.7M | ||
| Q2 24 | $-45.1M | $126.3M | ||
| Q1 24 | $-133.9M | $129.8M |
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% | ||
| Q1 24 | — | 80.0% |
| Q4 25 | 29.3% | 45.7% | ||
| Q3 25 | 19.9% | 46.0% | ||
| Q2 25 | 18.9% | 48.9% | ||
| Q1 25 | -3.1% | 49.3% | ||
| Q4 24 | -1.4% | 40.8% | ||
| Q3 24 | -57.2% | 43.4% | ||
| Q2 24 | -32.8% | 42.5% | ||
| Q1 24 | -82.5% | 44.9% |
| Q4 25 | 32.3% | 30.9% | ||
| Q3 25 | 25.2% | 30.1% | ||
| Q2 25 | 22.6% | 33.9% | ||
| Q1 25 | 1.0% | 32.6% | ||
| Q4 24 | 26.5% | 34.7% | ||
| Q3 24 | -43.2% | 29.9% | ||
| Q2 24 | -20.2% | 28.2% | ||
| Q1 24 | -68.7% | 29.9% |
| Q4 25 | $0.37 | $6.61 | ||
| Q3 25 | $0.23 | $6.41 | ||
| Q2 25 | $0.22 | $7.40 | ||
| Q1 25 | $0.01 | $6.59 | ||
| Q4 24 | $0.23 | $6.14 | ||
| Q3 24 | $-0.31 | $5.44 | ||
| Q2 24 | $-0.13 | $5.05 | ||
| Q1 24 | $-0.43 | $5.16 |
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 | $162.0M |
| 総負債低いほど良い | $9.0B | $3.2B |
| 株主資本純資産 | $3.5B | $-1.8B |
| 総資産 | $13.0B | $1.9B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $162.0M | ||
| Q3 25 | $1.4B | $134.1M | ||
| Q2 25 | $1.4B | $189.0M | ||
| Q1 25 | $1.4B | $146.6M | ||
| Q4 24 | $1.2B | $184.3M | ||
| Q3 24 | $1.0B | $150.7M | ||
| Q2 24 | $1.0B | $156.0M | ||
| Q1 24 | $1.3B | $135.7M |
| Q4 25 | $9.0B | $3.2B | ||
| Q3 25 | $7.7B | $3.1B | ||
| Q2 25 | $7.6B | $2.8B | ||
| Q1 25 | $7.1B | $2.5B | ||
| Q4 24 | $7.3B | $2.4B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | $1.8B | $2.1B | ||
| Q1 24 | — | $2.0B |
| Q4 25 | $3.5B | $-1.8B | ||
| Q3 25 | $3.3B | $-1.7B | ||
| Q2 25 | $3.1B | $-1.4B | ||
| Q1 25 | $2.9B | $-1.1B | ||
| Q4 24 | $2.8B | $-1.1B | ||
| Q3 24 | $2.8B | $-962.7M | ||
| Q2 24 | $2.7B | $-829.3M | ||
| Q1 24 | $2.6B | $-735.7M |
| Q4 25 | $13.0B | $1.9B | ||
| Q3 25 | $11.5B | $1.9B | ||
| Q2 25 | $11.2B | $1.9B | ||
| Q1 25 | $10.4B | $1.8B | ||
| Q4 24 | $10.5B | $1.7B | ||
| Q3 24 | $10.1B | $1.7B | ||
| Q2 24 | $9.5B | $1.7B | ||
| Q1 24 | $9.2B | $1.7B |
| Q4 25 | 2.54× | — | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.48× | — | ||
| Q1 25 | 2.49× | — | ||
| Q4 24 | 2.62× | — | ||
| 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 | $174.1M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $173.9M |
| FCFマージンFCF / 売上 | 29.4% | 34.0% |
| 設備投資強度設備投資 / 売上 | 13.9% | 0.0% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 1.10× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $750.6M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $174.1M | ||
| Q3 25 | $374.6M | $223.7M | ||
| Q2 25 | $74.6M | $286.2M | ||
| Q1 25 | $210.4M | $74.9M | ||
| Q4 24 | $312.0M | $194.0M | ||
| Q3 24 | $196.9M | $226.5M | ||
| Q2 24 | $68.8M | $213.3M | ||
| Q1 24 | $208.2M | $71.0M |
| Q4 25 | $118.0M | $173.9M | ||
| Q3 25 | $320.2M | $219.5M | ||
| Q2 25 | $23.5M | $284.4M | ||
| Q1 25 | $157.4M | $72.8M | ||
| Q4 24 | $268.1M | $193.2M | ||
| Q3 24 | $152.7M | $224.7M | ||
| Q2 24 | $30.5M | $211.6M | ||
| Q1 24 | $161.7M | $67.0M |
| Q4 25 | 29.4% | 34.0% | ||
| Q3 25 | 99.9% | 42.6% | ||
| Q2 25 | 7.7% | 53.0% | ||
| Q1 25 | 57.7% | 14.6% | ||
| Q4 24 | 88.5% | 43.9% | ||
| Q3 24 | 65.9% | 49.5% | ||
| Q2 24 | 13.6% | 47.2% | ||
| Q1 24 | 82.9% | 15.4% |
| Q4 25 | 13.9% | 0.0% | ||
| Q3 25 | 17.0% | 0.8% | ||
| Q2 25 | 16.7% | 0.3% | ||
| Q1 25 | 19.5% | 0.4% | ||
| Q4 24 | 14.5% | 0.2% | ||
| Q3 24 | 19.0% | 0.4% | ||
| Q2 24 | 17.1% | 0.4% | ||
| Q1 24 | 23.8% | 0.9% |
| Q4 25 | 1.34× | 1.10× | ||
| Q3 25 | 4.64× | 1.44× | ||
| Q2 25 | 1.08× | 1.57× | ||
| Q1 25 | 75.03× | 0.46× | ||
| Q4 24 | 3.88× | 1.27× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 1.69× | ||
| Q1 24 | — | 0.55× |
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% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
