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Affirm Holdings, Inc.（AFRM）とInstalled Building Products, Inc.（IBP）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
Installed Building Products, Inc.の直近四半期売上が大きい（$747.5M vs $401.4M、Affirm Holdings, Inc.の約1.9倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 10.2%、差は22.0%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs -0.4%）。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 $49.3M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs 3.9%）
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。
Installed Building Products, Inc.は米国の大手建築製品取付サービス企業で、断熱材、雨どい、ガレージドア、防火システム、窓装飾品などの取付サービスを提供し、住宅新築、改修、商業建築の各分野で米国の広範な地域に事業を展開しています。
AFRM vs IBP — 直接比較
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $747.5M |
| 純利益 | $129.6M | $76.6M |
| 粗利率 | — | 35.0% |
| 営業利益率 | 29.3% | 14.6% |
| 純利益率 | 32.3% | 10.2% |
| 売上前年比 | 32.5% | -0.4% |
| 純利益前年比 | 61.3% | 14.5% |
| EPS（希薄化後） | $0.37 | $2.81 |
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 | $747.5M | ||
| Q3 25 | $320.5M | $778.2M | ||
| Q2 25 | $306.6M | $760.3M | ||
| Q1 25 | $272.5M | $684.8M | ||
| Q4 24 | $303.0M | $750.2M | ||
| Q3 24 | $231.8M | $760.6M | ||
| Q2 24 | $224.0M | $737.6M | ||
| Q1 24 | $195.0M | $692.9M |
| Q4 25 | $129.6M | $76.6M | ||
| Q3 25 | $80.7M | $74.4M | ||
| Q2 25 | $69.2M | $69.0M | ||
| Q1 25 | $2.8M | $45.4M | ||
| Q4 24 | $80.4M | $66.9M | ||
| Q3 24 | $-100.2M | $68.6M | ||
| Q2 24 | $-45.1M | $65.2M | ||
| Q1 24 | $-133.9M | $55.9M |
| Q4 25 | — | 35.0% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 34.2% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 33.8% | ||
| Q2 24 | — | 34.1% | ||
| Q1 24 | — | 33.8% |
| Q4 25 | 29.3% | 14.6% | ||
| Q3 25 | 19.9% | 13.7% | ||
| Q2 25 | 18.9% | 13.3% | ||
| Q1 25 | -3.1% | 10.2% | ||
| Q4 24 | -1.4% | 13.1% | ||
| Q3 24 | -57.2% | 13.3% | ||
| Q2 24 | -32.8% | 12.9% | ||
| Q1 24 | -82.5% | 12.7% |
| Q4 25 | 32.3% | 10.2% | ||
| Q3 25 | 25.2% | 9.6% | ||
| Q2 25 | 22.6% | 9.1% | ||
| Q1 25 | 1.0% | 6.6% | ||
| Q4 24 | 26.5% | 8.9% | ||
| Q3 24 | -43.2% | 9.0% | ||
| Q2 24 | -20.2% | 8.8% | ||
| Q1 24 | -68.7% | 8.1% |
| Q4 25 | $0.37 | $2.81 | ||
| Q3 25 | $0.23 | $2.74 | ||
| Q2 25 | $0.22 | $2.52 | ||
| Q1 25 | $0.01 | $1.64 | ||
| Q4 24 | $0.23 | $2.39 | ||
| Q3 24 | $-0.31 | $2.44 | ||
| Q2 24 | $-0.13 | $2.30 | ||
| Q1 24 | $-0.43 | $1.97 |
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 | $321.9M |
| 総負債低いほど良い | $9.0B | $886.6M |
| 株主資本純資産 | $3.5B | $709.9M |
| 総資産 | $13.0B | $2.1B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 1.25× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $321.9M | ||
| Q3 25 | $1.4B | $333.3M | ||
| Q2 25 | $1.4B | $305.2M | ||
| Q1 25 | $1.4B | $298.7M | ||
| Q4 24 | $1.2B | $327.6M | ||
| Q3 24 | $1.0B | $406.2M | ||
| Q2 24 | $1.0B | $380.3M | ||
| Q1 24 | $1.3B | $399.9M |
| Q4 25 | $9.0B | $886.6M | ||
| Q3 25 | $7.7B | $880.8M | ||
| Q2 25 | $7.6B | $876.1M | ||
| Q1 25 | $7.1B | $872.4M | ||
| Q4 24 | $7.3B | $874.8M | ||
| Q3 24 | — | $872.3M | ||
| Q2 24 | $1.8B | $875.8M | ||
| Q1 24 | — | $875.0M |
| Q4 25 | $3.5B | $709.9M | ||
| Q3 25 | $3.3B | $678.6M | ||
| Q2 25 | $3.1B | $664.5M | ||
| Q1 25 | $2.9B | $660.9M | ||
| Q4 24 | $2.8B | $705.3M | ||
| Q3 24 | $2.8B | $716.4M | ||
| Q2 24 | $2.7B | $685.3M | ||
| Q1 24 | $2.6B | $679.2M |
| Q4 25 | $13.0B | $2.1B | ||
| Q3 25 | $11.5B | $2.1B | ||
| Q2 25 | $11.2B | $2.0B | ||
| Q1 25 | $10.4B | $2.0B | ||
| Q4 24 | $10.5B | $2.1B | ||
| Q3 24 | $10.1B | $2.1B | ||
| Q2 24 | $9.5B | $2.0B | ||
| Q1 24 | $9.2B | $2.0B |
| Q4 25 | 2.54× | 1.25× | ||
| Q3 25 | 2.35× | 1.30× | ||
| Q2 25 | 2.48× | 1.32× | ||
| Q1 25 | 2.49× | 1.32× | ||
| Q4 24 | 2.62× | 1.24× | ||
| Q3 24 | — | 1.22× | ||
| Q2 24 | 0.67× | 1.28× | ||
| Q1 24 | — | 1.29× |
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 | $64.9M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $49.3M |
| FCFマージンFCF / 売上 | 29.4% | 6.6% |
| 設備投資強度設備投資 / 売上 | 13.9% | 2.1% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 0.85× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $300.8M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $64.9M | ||
| Q3 25 | $374.6M | $124.0M | ||
| Q2 25 | $74.6M | $90.4M | ||
| Q1 25 | $210.4M | $92.1M | ||
| Q4 24 | $312.0M | $74.8M | ||
| Q3 24 | $196.9M | $101.4M | ||
| Q2 24 | $68.8M | $79.0M | ||
| Q1 24 | $208.2M | $84.8M |
| Q4 25 | $118.0M | $49.3M | ||
| Q3 25 | $320.2M | $104.8M | ||
| Q2 25 | $23.5M | $74.8M | ||
| Q1 25 | $157.4M | $71.9M | ||
| Q4 24 | $268.1M | $52.9M | ||
| Q3 24 | $152.7M | $77.3M | ||
| Q2 24 | $30.5M | $58.2M | ||
| Q1 24 | $161.7M | $63.0M |
| Q4 25 | 29.4% | 6.6% | ||
| Q3 25 | 99.9% | 13.5% | ||
| Q2 25 | 7.7% | 9.8% | ||
| Q1 25 | 57.7% | 10.5% | ||
| Q4 24 | 88.5% | 7.1% | ||
| Q3 24 | 65.9% | 10.2% | ||
| Q2 24 | 13.6% | 7.9% | ||
| Q1 24 | 82.9% | 9.1% |
| Q4 25 | 13.9% | 2.1% | ||
| Q3 25 | 17.0% | 2.5% | ||
| Q2 25 | 16.7% | 2.1% | ||
| Q1 25 | 19.5% | 2.9% | ||
| Q4 24 | 14.5% | 2.9% | ||
| Q3 24 | 19.0% | 3.2% | ||
| Q2 24 | 17.1% | 2.8% | ||
| Q1 24 | 23.8% | 3.1% |
| Q4 25 | 1.34× | 0.85× | ||
| Q3 25 | 4.64× | 1.67× | ||
| Q2 25 | 1.08× | 1.31× | ||
| Q1 25 | 75.03× | 2.03× | ||
| Q4 24 | 3.88× | 1.12× | ||
| Q3 24 | — | 1.48× | ||
| Q2 24 | — | 1.21× | ||
| Q1 24 | — | 1.52× |
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% |
IBP
| Residential New Construction | $488.6M | 65% |
| Other Customer Installation | $67.8M | 9% |
| Shower Doors Shelving And Mirrors | $53.5M | 7% |
| Other Building Products | $47.7M | 6% |
| Fireproofing And Firestopping | $37.6M | 5% |
| Rain Gutters | $31.3M | 4% |
| Window Blinds | $18.0M | 2% |
| Related Party | $6.7M | 1% |
