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Affirm Holdings, Inc.（AFRM）とSeneca Foods Corp（SENEB）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
Seneca Foods Corpの直近四半期売上が大きい（$508.3M 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 8.8%、差は23.5%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs 1.1%）。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 $22.9M）。過去8四半期でSeneca Foods Corpの売上複合成長率が高い（77.1% vs 43.5%）
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。
セネカフーズ社はアメリカ合衆国ニューヨーク州フェアポートに本社を置く食品加工・販売企業で、事業のほぼ全てが食品包装加工に関するものです。2017会計年度には食品包装事業が会社の純売上高の約98%を占め、うち缶詰野菜が65%、果物製品が23%、冷凍果物・野菜が11%、フルーツチップが1%となっています。
AFRM vs SENEB — 直接比較
損益計算書 — Q2 FY2026 vs Q3 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $508.3M |
| 純利益 | $129.6M | $44.8M |
| 粗利率 | — | 16.4% |
| 営業利益率 | 29.3% | 11.8% |
| 純利益率 | 32.3% | 8.8% |
| 売上前年比 | 32.5% | 1.1% |
| 純利益前年比 | 61.3% | 205.4% |
| EPS（希薄化後） | $0.37 | $6.48 |
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 | $508.3M | ||
| Q3 25 | $320.5M | $460.0M | ||
| Q2 25 | $306.6M | $297.5M | ||
| Q1 25 | $272.5M | $345.8M | ||
| Q4 24 | $303.0M | $502.9M | ||
| Q3 24 | $231.8M | $425.5M | ||
| Q2 24 | $224.0M | $304.7M | ||
| Q1 24 | $195.0M | $162.2M |
| Q4 25 | $129.6M | $44.8M | ||
| Q3 25 | $80.7M | $29.7M | ||
| Q2 25 | $69.2M | $14.9M | ||
| Q1 25 | $2.8M | $601.0K | ||
| Q4 24 | $80.4M | $14.7M | ||
| Q3 24 | $-100.2M | $13.3M | ||
| Q2 24 | $-45.1M | $12.7M | ||
| Q1 24 | $-133.9M | — |
| Q4 25 | — | 16.4% | ||
| Q3 25 | — | 13.4% | ||
| Q2 25 | — | 14.1% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 14.0% | ||
| Q1 24 | — | — |
| Q4 25 | 29.3% | 11.8% | ||
| Q3 25 | 19.9% | 9.0% | ||
| Q2 25 | 18.9% | 7.8% | ||
| Q1 25 | -3.1% | 0.6% | ||
| Q4 24 | -1.4% | 5.1% | ||
| Q3 24 | -57.2% | 5.8% | ||
| Q2 24 | -32.8% | 8.3% | ||
| Q1 24 | -82.5% | 2.5% |
| Q4 25 | 32.3% | 8.8% | ||
| Q3 25 | 25.2% | 6.5% | ||
| Q2 25 | 22.6% | 5.0% | ||
| Q1 25 | 1.0% | 0.2% | ||
| Q4 24 | 26.5% | 2.9% | ||
| Q3 24 | -43.2% | 3.1% | ||
| Q2 24 | -20.2% | 4.2% | ||
| Q1 24 | -68.7% | — |
| Q4 25 | $0.37 | $6.48 | ||
| Q3 25 | $0.23 | $4.29 | ||
| Q2 25 | $0.22 | $2.14 | ||
| Q1 25 | $0.01 | $0.10 | ||
| Q4 24 | $0.23 | $2.10 | ||
| Q3 24 | $-0.31 | $1.90 | ||
| Q2 24 | $-0.13 | $1.80 | ||
| 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 | $33.3M |
| 総負債低いほど良い | $9.0B | $275.8M |
| 株主資本純資産 | $3.5B | $713.9M |
| 総資産 | $13.0B | $1.2B |
| 負債/資本比率低いほどレバレッジが低い | 2.54× | 0.39× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $33.3M | ||
| Q3 25 | $1.4B | $18.1M | ||
| Q2 25 | $1.4B | $12.1M | ||
| Q1 25 | $1.4B | $42.7M | ||
| Q4 24 | $1.2B | $5.3M | ||
| Q3 24 | $1.0B | $9.5M | ||
| Q2 24 | $1.0B | $5.5M | ||
| Q1 24 | $1.3B | $4.5M |
| Q4 25 | $9.0B | $275.8M | ||
| Q3 25 | $7.7B | $280.2M | ||
| Q2 25 | $7.6B | $293.9M | ||
| Q1 25 | $7.1B | $369.9M | ||
| Q4 24 | $7.3B | $416.2M | ||
| Q3 24 | — | $504.6M | ||
| Q2 24 | $1.8B | $572.1M | ||
| Q1 24 | — | $604.8M |
| Q4 25 | $3.5B | $713.9M | ||
| Q3 25 | $3.3B | $672.9M | ||
| Q2 25 | $3.1B | $644.2M | ||
| Q1 25 | $2.9B | $633.0M | ||
| Q4 24 | $2.8B | $612.8M | ||
| Q3 24 | $2.8B | $598.9M | ||
| Q2 24 | $2.7B | $588.9M | ||
| Q1 24 | $2.6B | $582.9M |
| Q4 25 | $13.0B | $1.2B | ||
| Q3 25 | $11.5B | $1.4B | ||
| Q2 25 | $11.2B | $1.2B | ||
| Q1 25 | $10.4B | $1.2B | ||
| Q4 24 | $10.5B | $1.2B | ||
| Q3 24 | $10.1B | $1.5B | ||
| Q2 24 | $9.5B | $1.4B | ||
| Q1 24 | $9.2B | $1.4B |
| Q4 25 | 2.54× | 0.39× | ||
| Q3 25 | 2.35× | 0.42× | ||
| Q2 25 | 2.48× | 0.46× | ||
| Q1 25 | 2.49× | 0.58× | ||
| Q4 24 | 2.62× | 0.68× | ||
| Q3 24 | — | 0.84× | ||
| Q2 24 | 0.67× | 0.97× | ||
| Q1 24 | — | 1.04× |
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 | $31.1M |
| フリーキャッシュフロー営業CF - 設備投資 | $118.0M | $22.9M |
| FCFマージンFCF / 売上 | 29.4% | 4.5% |
| 設備投資強度設備投資 / 売上 | 13.9% | 1.6% |
| キャッシュ転換率営業CF / 純利益 | 1.34× | 0.70× |
| 直近12ヶ月FCF直近4四半期 | $619.1M | $168.5M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $173.7M | $31.1M | ||
| Q3 25 | $374.6M | $29.3M | ||
| Q2 25 | $74.6M | $53.7M | ||
| Q1 25 | $210.4M | $91.9M | ||
| Q4 24 | $312.0M | $117.7M | ||
| Q3 24 | $196.9M | $75.5M | ||
| Q2 24 | $68.8M | $50.3M | ||
| Q1 24 | $208.2M | — |
| Q4 25 | $118.0M | $22.9M | ||
| Q3 25 | $320.2M | $21.8M | ||
| Q2 25 | $23.5M | $42.4M | ||
| Q1 25 | $157.4M | $81.4M | ||
| Q4 24 | $268.1M | $108.7M | ||
| Q3 24 | $152.7M | $70.0M | ||
| Q2 24 | $30.5M | $38.3M | ||
| Q1 24 | $161.7M | — |
| Q4 25 | 29.4% | 4.5% | ||
| Q3 25 | 99.9% | 4.7% | ||
| Q2 25 | 7.7% | 14.3% | ||
| Q1 25 | 57.7% | 23.5% | ||
| Q4 24 | 88.5% | 21.6% | ||
| Q3 24 | 65.9% | 16.4% | ||
| Q2 24 | 13.6% | 12.6% | ||
| Q1 24 | 82.9% | — |
| Q4 25 | 13.9% | 1.6% | ||
| Q3 25 | 17.0% | 1.6% | ||
| Q2 25 | 16.7% | 3.8% | ||
| Q1 25 | 19.5% | 3.0% | ||
| Q4 24 | 14.5% | 1.8% | ||
| Q3 24 | 19.0% | 1.3% | ||
| Q2 24 | 17.1% | 4.0% | ||
| Q1 24 | 23.8% | — |
| Q4 25 | 1.34× | 0.70× | ||
| Q3 25 | 4.64× | 0.99× | ||
| Q2 25 | 1.08× | 3.61× | ||
| Q1 25 | 75.03× | 152.87× | ||
| Q4 24 | 3.88× | 8.03× | ||
| Q3 24 | — | 5.68× | ||
| Q2 24 | — | 3.98× | ||
| 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% |
SENEB
| Canned Vegetables | $430.2M | 85% |
| Fruit | $34.6M | 7% |
| Frozen | $29.3M | 6% |
| Manufactured Product Other | $10.8M | 2% |
| Snack | $3.4M | 1% |
