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Affirm Holdings, Inc.（AFRM）与COMPASS MINERALS INTERNATIONAL INC（CMP）财务数据对比。点击上方公司名可切换其他公司
Affirm Holdings, Inc.的季度营收约是COMPASS MINERALS INTERNATIONAL INC的1.0倍（$401.4M vs $396.1M），Affirm Holdings, Inc.净利率更高（32.3% vs 4.7%，领先27.6%），Affirm Holdings, Inc.同比增速更快（32.5% vs 28.9%），Affirm Holdings, Inc.自由现金流更多（$118.0M vs $-59.8M），过去两年Affirm Holdings, Inc.的营收复合增速更高（43.5% vs 4.3%）
Affirm Holdings, Inc.是美国知名金融科技企业、领先的先买后付（BNPL）服务商，由PayPal联合创始人马克斯·列夫琴于2012年创立。截至2025年，平台拥有近2600万用户，年支付处理规模达370亿美元，是美国规模最大的本土BNPL金融机构。
指南针矿产国际是一家美国上市矿产企业，总部位于堪萨斯州欧弗兰帕克，是盐、氯化镁和硫酸钾等产品的领先生产商。公司面向北美和英国客户供应经处理与未经处理的散装道路除冰盐，同时向全球种植者提供植物营养产品，此外也生产民用除冰、水质调节产品及相关商用产品。
AFRM vs CMP — 直观对比
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $401.4M | $396.1M |
| 净利润 | $129.6M | $18.6M |
| 毛利率 | — | 16.0% |
| 营业利润率 | 29.3% | 9.2% |
| 净利率 | 32.3% | 4.7% |
| 营收同比 | 32.5% | 28.9% |
| 净利润同比 | 61.3% | 178.8% |
| 每股收益（稀释后） | $0.37 | $0.43 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
| Q4 25 | $401.4M | $396.1M | ||
| Q3 25 | $320.5M | $227.5M | ||
| Q2 25 | $306.6M | $214.6M | ||
| Q1 25 | $272.5M | $494.6M | ||
| Q4 24 | $303.0M | $307.2M | ||
| Q3 24 | $231.8M | $208.8M | ||
| Q2 24 | $224.0M | $202.9M | ||
| Q1 24 | $195.0M | $364.0M |
| Q4 25 | $129.6M | $18.6M | ||
| Q3 25 | $80.7M | $-7.2M | ||
| Q2 25 | $69.2M | $-17.0M | ||
| Q1 25 | $2.8M | $-32.0M | ||
| Q4 24 | $80.4M | $-23.6M | ||
| Q3 24 | $-100.2M | $-48.3M | ||
| Q2 24 | $-45.1M | $-43.6M | ||
| Q1 24 | $-133.9M | $-38.9M |
| Q4 25 | — | 16.0% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 19.2% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 9.3% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | 19.7% |
| Q4 25 | 29.3% | 9.2% | ||
| Q3 25 | 19.9% | 5.3% | ||
| Q2 25 | 18.9% | 7.4% | ||
| Q1 25 | -3.1% | -0.6% | ||
| Q4 24 | -1.4% | 0.2% | ||
| Q3 24 | -57.2% | -14.3% | ||
| Q2 24 | -32.8% | 2.9% | ||
| Q1 24 | -82.5% | -10.8% |
| Q4 25 | 32.3% | 4.7% | ||
| Q3 25 | 25.2% | -3.2% | ||
| Q2 25 | 22.6% | -7.9% | ||
| Q1 25 | 1.0% | -6.5% | ||
| Q4 24 | 26.5% | -7.7% | ||
| Q3 24 | -43.2% | -23.1% | ||
| Q2 24 | -20.2% | -21.5% | ||
| Q1 24 | -68.7% | -10.7% |
| Q4 25 | $0.37 | $0.43 | ||
| Q3 25 | $0.23 | — | ||
| Q2 25 | $0.22 | $-0.41 | ||
| Q1 25 | $0.01 | $-0.77 | ||
| Q4 24 | $0.23 | $-0.57 | ||
| Q3 24 | $-0.31 | $-1.17 | ||
| Q2 24 | $-0.13 | $-1.05 | ||
| Q1 24 | $-0.43 | $-0.94 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $1.5B | $46.7M |
| 总债务越低越好 | $9.0B | $890.0M |
| 股东权益账面价值 | $3.5B | $260.5M |
| 总资产 | $13.0B | $1.5B |
| 负债/权益比越低杠杆越低 | 2.54× | 3.42× |
8季度趋势，按日历期对齐
| Q4 25 | $1.5B | $46.7M | ||
| Q3 25 | $1.4B | $59.7M | ||
| Q2 25 | $1.4B | $79.4M | ||
| Q1 25 | $1.4B | $49.5M | ||
| Q4 24 | $1.2B | $45.8M | ||
| Q3 24 | $1.0B | $20.2M | ||
| Q2 24 | $1.0B | $12.8M | ||
| Q1 24 | $1.3B | $38.3M |
| Q4 25 | $9.0B | $890.0M | ||
| Q3 25 | $7.7B | $839.8M | ||
| Q2 25 | $7.6B | $833.4M | ||
| Q1 25 | $7.1B | $807.6M | ||
| Q4 24 | $7.3B | $974.4M | ||
| Q3 24 | — | $921.2M | ||
| Q2 24 | $1.8B | $875.1M | ||
| Q1 24 | — | $877.2M |
| Q4 25 | $3.5B | $260.5M | ||
| Q3 25 | $3.3B | $234.1M | ||
| Q2 25 | $3.1B | $249.8M | ||
| Q1 25 | $2.9B | $236.5M | ||
| Q4 24 | $2.8B | $263.0M | ||
| Q3 24 | $2.8B | $316.6M | ||
| Q2 24 | $2.7B | $352.1M | ||
| Q1 24 | $2.6B | $400.4M |
| Q4 25 | $13.0B | $1.5B | ||
| Q3 25 | $11.5B | $1.5B | ||
| Q2 25 | $11.2B | $1.5B | ||
| Q1 25 | $10.4B | $1.5B | ||
| Q4 24 | $10.5B | $1.7B | ||
| Q3 24 | $10.1B | $1.6B | ||
| Q2 24 | $9.5B | $1.6B | ||
| Q1 24 | $9.2B | $1.7B |
| Q4 25 | 2.54× | 3.42× | ||
| Q3 25 | 2.35× | 3.59× | ||
| Q2 25 | 2.48× | 3.34× | ||
| Q1 25 | 2.49× | 3.41× | ||
| Q4 24 | 2.62× | 3.70× | ||
| Q3 24 | — | 2.91× | ||
| Q2 24 | 0.67× | 2.49× | ||
| Q1 24 | — | 2.19× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $173.7M | $-37.0M |
| 自由现金流经营现金流 - 资本支出 | $118.0M | $-59.8M |
| 自由现金流率自由现金流/营收 | 29.4% | -15.1% |
| 资本支出强度资本支出/营收 | 13.9% | 5.8% |
| 现金转化率经营现金流/净利润 | 1.34× | -1.99× |
| 过去12个月自由现金流最近4个季度 | $619.1M | $94.1M |
8季度趋势，按日历期对齐
| Q4 25 | $173.7M | $-37.0M | ||
| Q3 25 | $374.6M | $-6.9M | ||
| Q2 25 | $74.6M | $21.8M | ||
| Q1 25 | $210.4M | $186.9M | ||
| Q4 24 | $312.0M | $-4.1M | ||
| Q3 24 | $196.9M | $-12.7M | ||
| Q2 24 | $68.8M | $-6.8M | ||
| Q1 24 | $208.2M | $86.2M |
| Q4 25 | $118.0M | $-59.8M | ||
| Q3 25 | $320.2M | $-22.8M | ||
| Q2 25 | $23.5M | $3.8M | ||
| Q1 25 | $157.4M | $172.9M | ||
| Q4 24 | $268.1M | $-25.9M | ||
| Q3 24 | $152.7M | $-33.6M | ||
| Q2 24 | $30.5M | $-21.5M | ||
| Q1 24 | $161.7M | $56.2M |
| Q4 25 | 29.4% | -15.1% | ||
| Q3 25 | 99.9% | -10.0% | ||
| Q2 25 | 7.7% | 1.8% | ||
| Q1 25 | 57.7% | 35.0% | ||
| Q4 24 | 88.5% | -8.4% | ||
| Q3 24 | 65.9% | -16.1% | ||
| Q2 24 | 13.6% | -10.6% | ||
| Q1 24 | 82.9% | 15.4% |
| Q4 25 | 13.9% | 5.8% | ||
| Q3 25 | 17.0% | 7.0% | ||
| Q2 25 | 16.7% | 8.4% | ||
| Q1 25 | 19.5% | 2.8% | ||
| Q4 24 | 14.5% | 7.1% | ||
| Q3 24 | 19.0% | 10.0% | ||
| Q2 24 | 17.1% | 7.2% | ||
| Q1 24 | 23.8% | 8.2% |
| Q4 25 | 1.34× | -1.99× | ||
| Q3 25 | 4.64× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | 75.03× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AFRM
| Merchant Network | $328.4M | 82% |
| Virtual Card Network | $73.0M | 18% |
| Commercial Agreement Amazon | $1.9M | 0% |
CMP
| Highway Deicing Salt | $210.8M | 53% |
| Consumer Industrial Salt | $120.7M | 30% |
| Plant Nutrition | $60.8M | 15% |
| Transferred Over Time | $2.8M | 1% |
| Other | $1.0M | 0% |
