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Affirm Holdings, Inc.（AFRM）とOSI SYSTEMS INC（OSIS）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
OSI SYSTEMS INCの直近四半期売上が大きい（$464.1M vs $401.4M、Affirm Holdings, Inc.の約1.2倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 8.3%、差は23.9%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 10.5%）。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 $55.5M）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs 7.0%）
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。
OSIシステムズ社は米国カリフォルニア州に本社を置く企業で、空港保安用X線検査装置・金属探知機などのセキュリティ検査システム、医療用モニタリング・麻酔システム、光電子デバイスの開発・販売を手がけ、子会社にSpacelabs Healthcare、Rapiscan Systems、OSI Optoelectronicsがあり、全世界で約3180人の従業員を擁する。
AFRM vs OSIS — 直接比較
損益計算書 — Q2 FY2026 vs Q2 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $464.1M |
| 純利益 | $129.6M | $38.7M |
| 粗利率 | — | 32.7% |
| 営業利益率 | 29.3% | 12.7% |
| 純利益率 | 32.3% | 8.3% |
| 売上前年比 | 32.5% | 10.5% |
| 純利益前年比 | 61.3% | 2.3% |
| EPS（希薄化後） | $0.37 | $2.22 |
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 | $464.1M | ||
| Q3 25 | $320.5M | $384.6M | ||
| Q2 25 | $306.6M | $505.0M | ||
| Q1 25 | $272.5M | $444.4M | ||
| Q4 24 | $303.0M | $419.8M | ||
| Q3 24 | $231.8M | $344.0M | ||
| Q2 24 | $224.0M | $480.9M | ||
| Q1 24 | $195.0M | $405.4M |
| Q4 25 | $129.6M | $38.7M | ||
| Q3 25 | $80.7M | $20.6M | ||
| Q2 25 | $69.2M | $52.7M | ||
| Q1 25 | $2.8M | $41.1M | ||
| Q4 24 | $80.4M | $37.8M | ||
| Q3 24 | $-100.2M | $17.9M | ||
| Q2 24 | $-45.1M | $44.7M | ||
| Q1 24 | $-133.9M | $34.0M |
| Q4 25 | — | 32.7% | ||
| Q3 25 | — | 32.0% | ||
| Q2 25 | — | 33.3% | ||
| Q1 25 | — | 33.8% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 32.1% | ||
| Q1 24 | — | 33.6% |
| Q4 25 | 29.3% | 12.7% | ||
| Q3 25 | 19.9% | 8.6% | ||
| Q2 25 | 18.9% | 14.5% | ||
| Q1 25 | -3.1% | 12.7% | ||
| Q4 24 | -1.4% | 13.8% | ||
| Q3 24 | -57.2% | 8.8% | ||
| Q2 24 | -32.8% | 13.1% | ||
| Q1 24 | -82.5% | 12.7% |
| Q4 25 | 32.3% | 8.3% | ||
| Q3 25 | 25.2% | 5.3% | ||
| Q2 25 | 22.6% | 10.4% | ||
| Q1 25 | 1.0% | 9.3% | ||
| Q4 24 | 26.5% | 9.0% | ||
| Q3 24 | -43.2% | 5.2% | ||
| Q2 24 | -20.2% | 9.3% | ||
| Q1 24 | -68.7% | 8.4% |
| Q4 25 | $0.37 | $2.22 | ||
| Q3 25 | $0.23 | $1.18 | ||
| Q2 25 | $0.22 | $3.04 | ||
| Q1 25 | $0.01 | $2.40 | ||
| Q4 24 | $0.23 | $2.22 | ||
| Q3 24 | $-0.31 | $1.05 | ||
| Q2 24 | $-0.13 | $2.57 | ||
| Q1 24 | $-0.43 | $1.95 |
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 | $336.7M |
| 総負債低いほど良い | $9.0B | $1.0B |
| 株主資本純資産 | $3.5B | $845.5M |
| 総資産 | $13.0B | $2.5B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 1.19× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $336.7M | ||
| Q3 25 | $1.4B | $124.4M | ||
| Q2 25 | $1.4B | $106.4M | ||
| Q1 25 | $1.4B | $95.8M | ||
| Q4 24 | $1.2B | $101.6M | ||
| Q3 24 | $1.0B | $85.1M | ||
| Q2 24 | $1.0B | $95.4M | ||
| Q1 24 | $1.3B | $101.4M |
| Q4 25 | $9.0B | $1.0B | ||
| Q3 25 | $7.7B | $442.2M | ||
| Q2 25 | $7.6B | $471.6M | ||
| Q1 25 | $7.1B | $473.2M | ||
| Q4 24 | $7.3B | $474.8M | ||
| Q3 24 | — | $476.3M | ||
| Q2 24 | $1.8B | $137.6M | ||
| Q1 24 | — | — |
| Q4 25 | $3.5B | $845.5M | ||
| Q3 25 | $3.3B | $946.0M | ||
| Q2 25 | $3.1B | $951.1M | ||
| Q1 25 | $2.9B | $879.3M | ||
| Q4 24 | $2.8B | $825.8M | ||
| Q3 24 | $2.8B | $786.5M | ||
| Q2 24 | $2.7B | $863.5M | ||
| Q1 24 | $2.6B | $813.4M |
| Q4 25 | $13.0B | $2.5B | ||
| Q3 25 | $11.5B | $2.3B | ||
| Q2 25 | $11.2B | $2.2B | ||
| Q1 25 | $10.4B | $2.1B | ||
| Q4 24 | $10.5B | $2.1B | ||
| Q3 24 | $10.1B | $2.1B | ||
| Q2 24 | $9.5B | $1.9B | ||
| Q1 24 | $9.2B | $1.8B |
| Q4 25 | 2.54× | 1.19× | ||
| Q3 25 | 2.35× | 0.47× | ||
| Q2 25 | 2.48× | 0.50× | ||
| Q1 25 | 2.49× | 0.54× | ||
| Q4 24 | 2.62× | 0.57× | ||
| Q3 24 | — | 0.61× | ||
| Q2 24 | 0.67× | 0.16× | ||
| 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 | $62.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $55.5M |
| FCFマージンFCF / 売上 | 29.4% | 12.0% |
| 設備投資強度設備投資 / 売上 | 13.9% | 1.4% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 1.61× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $137.2M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $62.2M | ||
| Q3 25 | $374.6M | $17.1M | ||
| Q2 25 | $74.6M | $562.0K | ||
| Q1 25 | $210.4M | $81.6M | ||
| Q4 24 | $312.0M | $52.5M | ||
| Q3 24 | $196.9M | $-37.2M | ||
| Q2 24 | $68.8M | $-29.0M | ||
| Q1 24 | $208.2M | $-52.1M |
| Q4 25 | $118.0M | $55.5M | ||
| Q3 25 | $320.2M | $10.1M | ||
| Q2 25 | $23.5M | $-5.6M | ||
| Q1 25 | $157.4M | $77.1M | ||
| Q4 24 | $268.1M | $47.1M | ||
| Q3 24 | $152.7M | $-44.9M | ||
| Q2 24 | $30.5M | $-37.5M | ||
| Q1 24 | $161.7M | $-57.0M |
| Q4 25 | 29.4% | 12.0% | ||
| Q3 25 | 99.9% | 2.6% | ||
| Q2 25 | 7.7% | -1.1% | ||
| Q1 25 | 57.7% | 17.4% | ||
| Q4 24 | 88.5% | 11.2% | ||
| Q3 24 | 65.9% | -13.0% | ||
| Q2 24 | 13.6% | -7.8% | ||
| Q1 24 | 82.9% | -14.1% |
| Q4 25 | 13.9% | 1.4% | ||
| Q3 25 | 17.0% | 1.8% | ||
| Q2 25 | 16.7% | 1.2% | ||
| Q1 25 | 19.5% | 1.0% | ||
| Q4 24 | 14.5% | 1.3% | ||
| Q3 24 | 19.0% | 2.2% | ||
| Q2 24 | 17.1% | 1.8% | ||
| Q1 24 | 23.8% | 1.2% |
| Q4 25 | 1.34× | 1.61× | ||
| Q3 25 | 4.64× | 0.83× | ||
| Q2 25 | 1.08× | 0.01× | ||
| Q1 25 | 75.03× | 1.98× | ||
| Q4 24 | 3.88× | 1.39× | ||
| Q3 24 | — | -2.07× | ||
| Q2 24 | — | -0.65× | ||
| Q1 24 | — | -1.53× |
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% |
OSIS
| Security Division | $334.7M | 72% |
| Optoelectronics And Manufacturing Division | $92.8M | 20% |
| Healthcare Division | $36.5M | 8% |
