vs
Affirm Holdings, Inc.（AFRM）とKoppers Holdings Inc.（KOP）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
Koppers Holdings Inc.の直近四半期売上が大きい（$432.7M vs $401.4M、Affirm Holdings, Inc.の約1.1倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 6.9%、差は25.4%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs -9.3%）。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 $28.5M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs -6.7%）
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。
コッパーズ・ホールディングスは、アメリカ合衆国ペンシルベニア州ピッツバーグに本拠を置くグローバルな化学・素材企業です。本社は1920年代に建てられたアールデコ調の超高層ビル「コッパーズタワー」に入居し、世界各国で事業を展開しています。
AFRM vs KOP — 直接比較
損益計算書 — Q2 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $432.7M |
| 純利益 | $129.6M | $29.7M |
| 粗利率 | — | 25.6% |
| 営業利益率 | 29.3% | 11.5% |
| 純利益率 | 32.3% | 6.9% |
| 売上前年比 | 32.5% | -9.3% |
| 純利益前年比 | 61.3% | 391.2% |
| EPS（希薄化後） | $0.37 | $1.44 |
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 | $432.7M | ||
| Q3 25 | $320.5M | $485.3M | ||
| Q2 25 | $306.6M | $504.8M | ||
| Q1 25 | $272.5M | $456.5M | ||
| Q4 24 | $303.0M | $477.0M | ||
| Q3 24 | $231.8M | $554.3M | ||
| Q2 24 | $224.0M | $563.2M | ||
| Q1 24 | $195.0M | $497.6M |
| Q4 25 | $129.6M | $29.7M | ||
| Q3 25 | $80.7M | $23.8M | ||
| Q2 25 | $69.2M | $16.4M | ||
| Q1 25 | $2.8M | $-13.9M | ||
| Q4 24 | $80.4M | $-10.2M | ||
| Q3 24 | $-100.2M | $22.8M | ||
| Q2 24 | $-45.1M | $26.8M | ||
| Q1 24 | $-133.9M | $13.0M |
| Q4 25 | — | 25.6% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 22.6% | ||
| Q1 25 | — | 23.2% | ||
| Q4 24 | — | 17.5% | ||
| Q3 24 | — | 21.9% | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 19.3% |
| Q4 25 | 29.3% | 11.5% | ||
| Q3 25 | 19.9% | 10.7% | ||
| Q2 25 | 18.9% | 7.7% | ||
| Q1 25 | -3.1% | 5.9% | ||
| Q4 24 | -1.4% | 1.3% | ||
| Q3 24 | -57.2% | 9.0% | ||
| Q2 24 | -32.8% | 10.2% | ||
| Q1 24 | -82.5% | 7.0% |
| Q4 25 | 32.3% | 6.9% | ||
| Q3 25 | 25.2% | 4.9% | ||
| Q2 25 | 22.6% | 3.2% | ||
| Q1 25 | 1.0% | -3.0% | ||
| Q4 24 | 26.5% | -2.1% | ||
| Q3 24 | -43.2% | 4.1% | ||
| Q2 24 | -20.2% | 4.8% | ||
| Q1 24 | -68.7% | 2.6% |
| Q4 25 | $0.37 | $1.44 | ||
| Q3 25 | $0.23 | $1.17 | ||
| Q2 25 | $0.22 | $0.81 | ||
| Q1 25 | $0.01 | $-0.68 | ||
| Q4 24 | $0.23 | $-0.47 | ||
| Q3 24 | $-0.31 | $1.09 | ||
| Q2 24 | $-0.13 | $1.25 | ||
| Q1 24 | $-0.43 | $0.59 |
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 | — |
| 総負債低いほど良い | $9.0B | $928.3M |
| 株主資本純資産 | $3.5B | $574.0M |
| 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× | 1.62× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.0B | — | ||
| Q2 24 | $1.0B | — | ||
| Q1 24 | $1.3B | — |
| Q4 25 | $9.0B | $928.3M | ||
| Q3 25 | $7.7B | $932.9M | ||
| Q2 25 | $7.6B | $977.5M | ||
| Q1 25 | $7.1B | $989.0M | ||
| Q4 24 | $7.3B | $939.5M | ||
| Q3 24 | — | $989.4M | ||
| Q2 24 | $1.8B | $1.0B | ||
| Q1 24 | — | $877.6M |
| Q4 25 | $3.5B | $574.0M | ||
| Q3 25 | $3.3B | $545.6M | ||
| Q2 25 | $3.1B | $526.8M | ||
| Q1 25 | $2.9B | $498.0M | ||
| Q4 24 | $2.8B | $488.7M | ||
| Q3 24 | $2.8B | $532.3M | ||
| Q2 24 | $2.7B | $509.2M | ||
| Q1 24 | $2.6B | $505.8M |
| Q4 25 | $13.0B | $1.9B | ||
| Q3 25 | $11.5B | $1.9B | ||
| Q2 25 | $11.2B | $1.9B | ||
| Q1 25 | $10.4B | $1.9B | ||
| Q4 24 | $10.5B | $1.9B | ||
| Q3 24 | $10.1B | $2.0B | ||
| Q2 24 | $9.5B | $1.9B | ||
| Q1 24 | $9.2B | $1.8B |
| Q4 25 | 2.54× | 1.62× | ||
| Q3 25 | 2.35× | 1.71× | ||
| Q2 25 | 2.48× | 1.86× | ||
| Q1 25 | 2.49× | 1.99× | ||
| Q4 24 | 2.62× | 1.92× | ||
| Q3 24 | — | 1.86× | ||
| Q2 24 | 0.67× | 1.97× | ||
| Q1 24 | — | 1.74× |
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 | $45.1M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $28.5M |
| 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% | 3.8% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 1.52× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $67.5M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $45.1M | ||
| Q3 25 | $374.6M | $49.6M | ||
| Q2 25 | $74.6M | $50.5M | ||
| Q1 25 | $210.4M | $-22.7M | ||
| Q4 24 | $312.0M | $74.7M | ||
| Q3 24 | $196.9M | $29.8M | ||
| Q2 24 | $68.8M | $27.2M | ||
| Q1 24 | $208.2M | $-12.3M |
| Q4 25 | $118.0M | $28.5M | ||
| Q3 25 | $320.2M | $37.6M | ||
| Q2 25 | $23.5M | $38.4M | ||
| Q1 25 | $157.4M | $-37.0M | ||
| Q4 24 | $268.1M | $56.1M | ||
| Q3 24 | $152.7M | $14.4M | ||
| Q2 24 | $30.5M | $10.1M | ||
| Q1 24 | $161.7M | $-38.6M |
| Q4 25 | 29.4% | 6.6% | ||
| Q3 25 | 99.9% | 7.7% | ||
| Q2 25 | 7.7% | 7.6% | ||
| Q1 25 | 57.7% | -8.1% | ||
| Q4 24 | 88.5% | 11.8% | ||
| Q3 24 | 65.9% | 2.6% | ||
| Q2 24 | 13.6% | 1.8% | ||
| Q1 24 | 82.9% | -7.8% |
| Q4 25 | 13.9% | 3.8% | ||
| Q3 25 | 17.0% | 2.5% | ||
| Q2 25 | 16.7% | 2.4% | ||
| Q1 25 | 19.5% | 3.1% | ||
| Q4 24 | 14.5% | 3.9% | ||
| Q3 24 | 19.0% | 2.8% | ||
| Q2 24 | 17.1% | 3.0% | ||
| Q1 24 | 23.8% | 5.3% |
| Q4 25 | 1.34× | 1.52× | ||
| Q3 25 | 4.64× | 2.08× | ||
| Q2 25 | 1.08× | 3.08× | ||
| Q1 25 | 75.03× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | — | 1.31× | ||
| Q2 24 | — | 1.01× | ||
| Q1 24 | — | -0.95× |
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% |
KOP
| Other | $127.8M | 30% |
| Railroad Treated Products | $119.0M | 28% |
| Utility Poles | $79.8M | 18% |
| Pitch And Related Products | $74.1M | 17% |
| Carbon Black Feedstock And Distillates | $14.4M | 3% |
| Railroad Infrastructure Products And Services | $9.9M | 2% |
| Phthalic Anhydride Naphthalene And Other Chemicals | $7.7M | 2% |
