vs
Affirm Holdings, Inc.（AFRM）とBio-Techne（TECH）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
Affirm Holdings, Inc.の直近四半期売上が大きい（$401.4M vs $295.9M、Bio-Techneの約1.4倍）。Affirm Holdings, Inc.の純利益率が高く（32.3% vs 12.8%、差は19.4%）。Affirm Holdings, Inc.の前年同期比売上増加率が高い（32.5% vs -6.4%）。過去8四半期でAffirm Holdings, Inc.の売上複合成長率が高い（43.5% vs 4.2%）
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。
Bio-Techne社は米国発のライフサイエンス企業で、研究・診断・バイオプロセスの各市場向けに、ライフサイエンス用試薬、機器、各種サービスの開発・製造・販売を事業の柱としています。製品は基礎研究から医薬品開発、体外診断まで多岐にわたる分野で活用されています。
AFRM vs TECH — 直接比較
損益計算書 — Q2 FY2026 vs Q2 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $401.4M | $295.9M |
| 純利益 | $129.6M | $38.0M |
| 粗利率 | — | 64.6% |
| 営業利益率 | 29.3% | 18.4% |
| 純利益率 | 32.3% | 12.8% |
| 売上前年比 | 32.5% | -6.4% |
| 純利益前年比 | 61.3% | 68.3% |
| EPS（希薄化後） | $0.37 | $0.24 |
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 | $295.9M | ||
| Q3 25 | $320.5M | — | ||
| Q2 25 | $306.6M | $317.0M | ||
| Q1 25 | $272.5M | $316.2M | ||
| Q4 24 | $303.0M | $297.0M | ||
| Q3 24 | $231.8M | $289.5M | ||
| Q2 24 | $224.0M | $306.1M | ||
| Q1 24 | $195.0M | $303.4M |
| Q4 25 | $129.6M | $38.0M | ||
| Q3 25 | $80.7M | — | ||
| Q2 25 | $69.2M | $-17.7M | ||
| Q1 25 | $2.8M | $22.6M | ||
| Q4 24 | $80.4M | $34.9M | ||
| Q3 24 | $-100.2M | $33.6M | ||
| Q2 24 | $-45.1M | $40.6M | ||
| Q1 24 | $-133.9M | $49.1M |
| Q4 25 | — | 64.6% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 62.7% | ||
| Q1 25 | — | 67.9% | ||
| Q4 24 | — | 65.3% | ||
| Q3 24 | — | 63.2% | ||
| Q2 24 | — | 66.4% | ||
| Q1 24 | — | 67.4% |
| Q4 25 | 29.3% | 18.4% | ||
| Q3 25 | 19.9% | — | ||
| Q2 25 | 18.9% | -7.5% | ||
| Q1 25 | -3.1% | 12.2% | ||
| Q4 24 | -1.4% | 16.0% | ||
| Q3 24 | -57.2% | 13.8% | ||
| Q2 24 | -32.8% | 15.0% | ||
| Q1 24 | -82.5% | 22.1% |
| Q4 25 | 32.3% | 12.8% | ||
| Q3 25 | 25.2% | — | ||
| Q2 25 | 22.6% | -5.6% | ||
| Q1 25 | 1.0% | 7.1% | ||
| Q4 24 | 26.5% | 11.7% | ||
| Q3 24 | -43.2% | 11.6% | ||
| Q2 24 | -20.2% | 13.3% | ||
| Q1 24 | -68.7% | 16.2% |
| Q4 25 | $0.37 | $0.24 | ||
| Q3 25 | $0.23 | — | ||
| Q2 25 | $0.22 | $-0.11 | ||
| Q1 25 | $0.01 | $0.14 | ||
| Q4 24 | $0.23 | $0.22 | ||
| Q3 24 | $-0.31 | $0.21 | ||
| Q2 24 | $-0.13 | $0.26 | ||
| Q1 24 | $-0.43 | $0.31 |
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 | $172.9M |
| 総負債低いほど良い | $9.0B | $260.0M |
| 株主資本純資産 | $3.5B | $2.0B |
| 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× | 0.13× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.5B | $172.9M | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | $162.2M | ||
| Q1 25 | $1.4B | $140.7M | ||
| Q4 24 | $1.2B | $177.5M | ||
| Q3 24 | $1.0B | $187.5M | ||
| Q2 24 | $1.0B | $152.9M | ||
| Q1 24 | $1.3B | $145.3M |
| Q4 25 | $9.0B | $260.0M | ||
| Q3 25 | $7.7B | — | ||
| Q2 25 | $7.6B | $346.0M | ||
| Q1 25 | $7.1B | $330.0M | ||
| Q4 24 | $7.3B | $300.0M | ||
| Q3 24 | — | $300.0M | ||
| Q2 24 | $1.8B | $319.0M | ||
| Q1 24 | — | $389.0M |
| Q4 25 | $3.5B | $2.0B | ||
| Q3 25 | $3.3B | — | ||
| Q2 25 | $3.1B | $1.9B | ||
| Q1 25 | $2.9B | $2.0B | ||
| Q4 24 | $2.8B | $2.1B | ||
| Q3 24 | $2.8B | $2.1B | ||
| Q2 24 | $2.7B | $2.1B | ||
| Q1 24 | $2.6B | $2.0B |
| Q4 25 | $13.0B | $2.5B | ||
| Q3 25 | $11.5B | — | ||
| Q2 25 | $11.2B | $2.6B | ||
| Q1 25 | $10.4B | $2.6B | ||
| Q4 24 | $10.5B | $2.7B | ||
| Q3 24 | $10.1B | $2.7B | ||
| Q2 24 | $9.5B | $2.7B | ||
| Q1 24 | $9.2B | $2.7B |
| Q4 25 | 2.54× | 0.13× | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.48× | 0.18× | ||
| Q1 25 | 2.49× | 0.16× | ||
| Q4 24 | 2.62× | 0.14× | ||
| Q3 24 | — | 0.14× | ||
| Q2 24 | 0.67× | 0.15× | ||
| Q1 24 | — | 0.19× |
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 | — |
| 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× | — |
| 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 | — | ||
| Q3 25 | $374.6M | — | ||
| Q2 25 | $74.6M | $98.2M | ||
| Q1 25 | $210.4M | $41.1M | ||
| Q4 24 | $312.0M | $84.3M | ||
| Q3 24 | $196.9M | $63.9M | ||
| Q2 24 | $68.8M | $75.5M | ||
| Q1 24 | $208.2M | $81.0M |
| Q4 25 | $118.0M | — | ||
| Q3 25 | $320.2M | — | ||
| Q2 25 | $23.5M | $93.3M | ||
| Q1 25 | $157.4M | $31.0M | ||
| Q4 24 | $268.1M | $77.5M | ||
| Q3 24 | $152.7M | $54.7M | ||
| Q2 24 | $30.5M | $57.5M | ||
| Q1 24 | $161.7M | $64.5M |
| Q4 25 | 29.4% | — | ||
| Q3 25 | 99.9% | — | ||
| Q2 25 | 7.7% | 29.4% | ||
| Q1 25 | 57.7% | 9.8% | ||
| Q4 24 | 88.5% | 26.1% | ||
| Q3 24 | 65.9% | 18.9% | ||
| Q2 24 | 13.6% | 18.8% | ||
| Q1 24 | 82.9% | 21.3% |
| Q4 25 | 13.9% | — | ||
| Q3 25 | 17.0% | — | ||
| Q2 25 | 16.7% | 1.5% | ||
| Q1 25 | 19.5% | 3.2% | ||
| Q4 24 | 14.5% | 2.3% | ||
| Q3 24 | 19.0% | 3.2% | ||
| Q2 24 | 17.1% | 5.9% | ||
| Q1 24 | 23.8% | 5.4% |
| Q4 25 | 1.34× | — | ||
| Q3 25 | 4.64× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | 75.03× | 1.82× | ||
| Q4 24 | 3.88× | 2.42× | ||
| Q3 24 | — | 1.90× | ||
| Q2 24 | — | 1.86× | ||
| Q1 24 | — | 1.65× |
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% |
TECH
| Diagnostics And Spatial Biology | $81.2M | 27% |
| EMEA Excluding UK | $75.4M | 25% |
| Other | $42.4M | 14% |
| Instruments | $29.6M | 10% |
| APAC Excluding Greater China | $22.7M | 8% |
| Services | $22.3M | 8% |
| GB | $13.7M | 5% |
| Royalty | $8.5M | 3% |
