vs
Affirm Holdings, Inc.（AFRM）とEPLUS INC（PLUS）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
EPLUS INCの直近四半期売上が大きい（$614.8M vs $401.4M、Affirm Holdings, Inc.の約1.5倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 5.7%、差は26.6%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 20.3%）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs 2.3%）
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。
ePlus Inc.は米国発のコンサルティング型テクノロジーソリューションプロバイダーで、サイバーセキュリティ、クラウド、ネットワーク、コラボレーション、人工知能などの先進技術分野にわたり、5000社以上の顧客にソリューション、アドバイザリー、マネージドサービスを提供しています。
AFRM vs PLUS — 直接比較
損益計算書 — Q2 FY2026 vs Q3 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $614.8M |
| 純利益 | $129.6M | $35.1M |
| 粗利率 | — | 25.8% |
| 営業利益率 | 29.3% | 7.1% |
| 純利益率 | 32.3% | 5.7% |
| 売上前年比 | 32.5% | 20.3% |
| 純利益前年比 | 61.3% | 45.2% |
| EPS（希薄化後） | $0.37 | $1.33 |
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 | $614.8M | ||
| Q3 25 | $320.5M | $608.8M | ||
| Q2 25 | $306.6M | $637.3M | ||
| Q1 25 | $272.5M | — | ||
| Q4 24 | $303.0M | $493.2M | ||
| Q3 24 | $231.8M | $493.4M | ||
| Q2 24 | $224.0M | $535.7M | ||
| Q1 24 | $195.0M | — |
| Q4 25 | $129.6M | $35.1M | ||
| Q3 25 | $80.7M | $34.9M | ||
| Q2 25 | $69.2M | $37.7M | ||
| Q1 25 | $2.8M | — | ||
| Q4 24 | $80.4M | $24.1M | ||
| Q3 24 | $-100.2M | $31.3M | ||
| Q2 24 | $-45.1M | $27.3M | ||
| Q1 24 | $-133.9M | — |
| Q4 25 | — | 25.8% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 23.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 23.7% | ||
| Q1 24 | — | — |
| Q4 25 | 29.3% | 7.1% | ||
| Q3 25 | 19.9% | 8.0% | ||
| Q2 25 | 18.9% | 5.7% | ||
| Q1 25 | -3.1% | — | ||
| Q4 24 | -1.4% | 3.3% | ||
| Q3 24 | -57.2% | 5.5% | ||
| Q2 24 | -32.8% | 5.9% | ||
| Q1 24 | -82.5% | — |
| Q4 25 | 32.3% | 5.7% | ||
| Q3 25 | 25.2% | 5.7% | ||
| Q2 25 | 22.6% | 5.9% | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 26.5% | 4.9% | ||
| Q3 24 | -43.2% | 6.3% | ||
| Q2 24 | -20.2% | 5.1% | ||
| Q1 24 | -68.7% | — |
| Q4 25 | $0.37 | $1.33 | ||
| Q3 25 | $0.23 | $1.32 | ||
| Q2 25 | $0.22 | $1.43 | ||
| Q1 25 | $0.01 | — | ||
| Q4 24 | $0.23 | $0.91 | ||
| Q3 24 | $-0.31 | $1.17 | ||
| Q2 24 | $-0.13 | $1.02 | ||
| Q1 24 | $-0.43 | — |
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 | $326.3M |
| 総負債低いほど良い | $9.0B | — |
| 株主資本純資産 | $3.5B | $1.1B |
| 総資産 | $13.0B | $1.8B |
| 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 | $326.3M | ||
| Q3 25 | $1.4B | $402.2M | ||
| Q2 25 | $1.4B | $480.2M | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.2B | $253.1M | ||
| Q3 24 | $1.0B | $187.5M | ||
| Q2 24 | $1.0B | $349.9M | ||
| Q1 24 | $1.3B | — |
| Q4 25 | $9.0B | — | ||
| Q3 25 | $7.7B | — | ||
| Q2 25 | $7.6B | — | ||
| Q1 25 | $7.1B | — | ||
| Q4 24 | $7.3B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.8B | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.5B | $1.1B | ||
| Q3 25 | $3.3B | $1.0B | ||
| Q2 25 | $3.1B | $1.0B | ||
| Q1 25 | $2.9B | — | ||
| Q4 24 | $2.8B | $962.3M | ||
| Q3 24 | $2.8B | $947.0M | ||
| Q2 24 | $2.7B | $921.9M | ||
| Q1 24 | $2.6B | — |
| Q4 25 | $13.0B | $1.8B | ||
| Q3 25 | $11.5B | $1.8B | ||
| Q2 25 | $11.2B | $1.8B | ||
| Q1 25 | $10.4B | — | ||
| Q4 24 | $10.5B | $1.8B | ||
| Q3 24 | $10.1B | $1.7B | ||
| Q2 24 | $9.5B | $1.7B | ||
| Q1 24 | $9.2B | — |
| 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 | $-87.4M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | — |
| FCFマージンFCF / 売上 | 29.4% | — |
| 設備投資強度設備投資 / 売上 | 13.9% | — |
| キャッシュ転換率営業CF / 純利益 | 1.34× | -2.49× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $-87.4M | ||
| Q3 25 | $374.6M | $-34.8M | ||
| Q2 25 | $74.6M | $-99.0M | ||
| Q1 25 | $210.4M | — | ||
| Q4 24 | $312.0M | $65.7M | ||
| Q3 24 | $196.9M | $-21.6M | ||
| Q2 24 | $68.8M | $97.1M | ||
| Q1 24 | $208.2M | — |
| Q4 25 | $118.0M | — | ||
| Q3 25 | $320.2M | — | ||
| Q2 25 | $23.5M | — | ||
| Q1 25 | $157.4M | — | ||
| Q4 24 | $268.1M | — | ||
| Q3 24 | $152.7M | — | ||
| Q2 24 | $30.5M | — | ||
| Q1 24 | $161.7M | — |
| Q4 25 | 29.4% | — | ||
| Q3 25 | 99.9% | — | ||
| Q2 25 | 7.7% | — | ||
| Q1 25 | 57.7% | — | ||
| Q4 24 | 88.5% | — | ||
| Q3 24 | 65.9% | — | ||
| Q2 24 | 13.6% | — | ||
| Q1 24 | 82.9% | — |
| Q4 25 | 13.9% | — | ||
| Q3 25 | 17.0% | — | ||
| Q2 25 | 16.7% | — | ||
| Q1 25 | 19.5% | — | ||
| Q4 24 | 14.5% | — | ||
| Q3 24 | 19.0% | — | ||
| Q2 24 | 17.1% | — | ||
| Q1 24 | 23.8% | — |
| Q4 25 | 1.34× | -2.49× | ||
| Q3 25 | 4.64× | -1.00× | ||
| Q2 25 | 1.08× | -2.63× | ||
| Q1 25 | 75.03× | — | ||
| Q4 24 | 3.88× | 2.72× | ||
| Q3 24 | — | -0.69× | ||
| Q2 24 | — | 3.55× | ||
| Q1 24 | — | — |
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% |
PLUS
| All Others Customer End Market | $107.0M | 17% |
| Technology Customer End Market | $89.4M | 15% |
| Health Care Customer End Market | $81.5M | 13% |
| Financial Services Customer End Market | $66.1M | 11% |
| Professional Services Reporting Unit | $64.1M | 10% |
| Security | $61.1M | 10% |
| State And Local Government And Educational Institutions | $59.9M | 10% |
| Managed Services Reporting Unit | $48.8M | 8% |
| Other Product | $21.1M | 3% |
| Collaboration | $13.4M | 2% |
