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Affirm Holdings, Inc.（AFRM）与IDACORP INC（IDA）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IDACORP INC的1.1倍（$401.4M vs $360.1M），Affirm Holdings, Inc.净利率更高（32.3% vs 12.1%，领先20.2%），Affirm Holdings, Inc.同比增速更快（32.5% vs -4.2%），Affirm Holdings, Inc.自由现金流更多（$118.0M vs $-216.2M），过去两年Affirm Holdings, Inc.的营收复合增速更高（43.5% vs -7.2%）
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。
IDACORP Inc是注册于美国爱达荷州、总部设在博伊西的电力控股企业，成立于1998年10月1日，旗下拥有爱达荷电力公司、IDACORP金融公司及Ida-West能源公司，业务覆盖电力供应、能源服务及相关配套金融服务领域。
AFRM vs IDA — 直观对比
营收规模更大
AFRM
是对方的1.1倍
$360.1M
营收增速更快
AFRM
高出36.7%
-4.2%
净利率更高
AFRM
高出20.2%
12.1%
自由现金流更多
AFRM
多$334.2M
$-216.2M
两年增速更快
AFRM
近两年复合增速
-7.2%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $401.4M | $360.1M |
| 净利润 | $129.6M | $43.6M |
| 毛利率 | — | — |
| 营业利润率 | 29.3% | 14.9% |
| 净利率 | 32.3% | 12.1% |
| 营收同比 | 32.5% | -4.2% |
| 净利润同比 | 61.3% | 15.1% |
| 每股收益（稀释后） | $0.37 | $0.78 |
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
营收AFRMIDA
| Q4 25 | $401.4M | $360.1M | ||
| Q3 25 | $320.5M | $526.4M | ||
| Q2 25 | $306.6M | $449.3M | ||
| Q1 25 | $272.5M | $411.1M | ||
| Q4 24 | $303.0M | $375.9M | ||
| Q3 24 | $231.8M | $532.5M | ||
| Q2 24 | $224.0M | $442.6M | ||
| Q1 24 | $195.0M | $417.9M |
净利润AFRMIDA
| Q4 25 | $129.6M | $43.6M | ||
| Q3 25 | $80.7M | $124.4M | ||
| Q2 25 | $69.2M | $95.8M | ||
| Q1 25 | $2.8M | $59.6M | ||
| Q4 24 | $80.4M | $37.9M | ||
| Q3 24 | $-100.2M | $113.6M | ||
| Q2 24 | $-45.1M | $89.5M | ||
| Q1 24 | $-133.9M | $48.2M |
营业利润率AFRMIDA
| Q4 25 | 29.3% | 14.9% | ||
| Q3 25 | 19.9% | 27.5% | ||
| Q2 25 | 18.9% | 22.4% | ||
| Q1 25 | -3.1% | 13.4% | ||
| Q4 24 | -1.4% | 11.0% | ||
| Q3 24 | -57.2% | 25.1% | ||
| Q2 24 | -32.8% | 23.3% | ||
| Q1 24 | -82.5% | 11.9% |
净利率AFRMIDA
| Q4 25 | 32.3% | 12.1% | ||
| Q3 25 | 25.2% | 23.6% | ||
| Q2 25 | 22.6% | 21.3% | ||
| Q1 25 | 1.0% | 14.5% | ||
| Q4 24 | 26.5% | 10.1% | ||
| Q3 24 | -43.2% | 21.3% | ||
| Q2 24 | -20.2% | 20.2% | ||
| Q1 24 | -68.7% | 11.5% |
每股收益（稀释后）AFRMIDA
| Q4 25 | $0.37 | $0.78 | ||
| Q3 25 | $0.23 | $2.26 | ||
| Q2 25 | $0.22 | $1.76 | ||
| Q1 25 | $0.01 | $1.10 | ||
| Q4 24 | $0.23 | $0.72 | ||
| Q3 24 | $-0.31 | $2.12 | ||
| Q2 24 | $-0.13 | $1.71 | ||
| Q1 24 | $-0.43 | $0.95 |
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 | $215.7M |
| 总债务越低越好 | $9.0B | $3.3B |
| 股东权益账面价值 | $3.5B | $3.6B |
| 总资产 | $13.0B | $10.2B |
| 负债/权益比越低杠杆越低 | 2.54× | 0.93× |
8季度趋势，按日历期对齐
现金及短期投资AFRMIDA
| Q4 25 | $1.5B | $215.7M | ||
| Q3 25 | $1.4B | $333.2M | ||
| Q2 25 | $1.4B | $474.5M | ||
| Q1 25 | $1.4B | $634.5M | ||
| Q4 24 | $1.2B | $368.9M | ||
| Q3 24 | $1.0B | $427.9M | ||
| Q2 24 | $1.0B | $169.6M | ||
| Q1 24 | $1.3B | $157.6M |
总债务AFRMIDA
| Q4 25 | $9.0B | $3.3B | ||
| Q3 25 | $7.7B | — | ||
| Q2 25 | $7.6B | — | ||
| Q1 25 | $7.1B | — | ||
| Q4 24 | $7.3B | $3.1B | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.8B | — | ||
| Q1 24 | — | — |
股东权益AFRMIDA
| Q4 25 | $3.5B | $3.6B | ||
| Q3 25 | $3.3B | $3.5B | ||
| Q2 25 | $3.1B | $3.4B | ||
| Q1 25 | $2.9B | $3.3B | ||
| Q4 24 | $2.8B | $3.3B | ||
| Q3 24 | $2.8B | $3.3B | ||
| Q2 24 | $2.7B | $3.2B | ||
| Q1 24 | $2.6B | $2.9B |
总资产AFRMIDA
| Q4 25 | $13.0B | $10.2B | ||
| Q3 25 | $11.5B | $10.1B | ||
| Q2 25 | $11.2B | $9.9B | ||
| Q1 25 | $10.4B | $9.6B | ||
| Q4 24 | $10.5B | $9.2B | ||
| Q3 24 | $10.1B | $9.1B | ||
| Q2 24 | $9.5B | $8.7B | ||
| Q1 24 | $9.2B | $8.3B |
负债/权益比AFRMIDA
| Q4 25 | 2.54× | 0.93× | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.48× | — | ||
| Q1 25 | 2.49× | — | ||
| Q4 24 | 2.62× | 0.92× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.67× | — | ||
| Q1 24 | — | — |
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 | $137.8M |
| 自由现金流经营现金流 - 资本支出 | $118.0M | $-216.2M |
| 自由现金流率自由现金流/营收 | 29.4% | -60.0% |
| 资本支出强度资本支出/营收 | 13.9% | 98.3% |
| 现金转化率经营现金流/净利润 | 1.34× | 3.16× |
| 过去12个月自由现金流最近4个季度 | $619.1M | $-577.5M |
8季度趋势，按日历期对齐
经营现金流AFRMIDA
| Q4 25 | $173.7M | $137.8M | ||
| Q3 25 | $374.6M | $162.8M | ||
| Q2 25 | $74.6M | $176.9M | ||
| Q1 25 | $210.4M | $124.3M | ||
| Q4 24 | $312.0M | $136.4M | ||
| Q3 24 | $196.9M | $201.9M | ||
| Q2 24 | $68.8M | $146.4M | ||
| Q1 24 | $208.2M | $109.7M |
自由现金流AFRMIDA
| Q4 25 | $118.0M | $-216.2M | ||
| Q3 25 | $320.2M | $-127.9M | ||
| Q2 25 | $23.5M | $-156.4M | ||
| Q1 25 | $157.4M | $-77.0M | ||
| Q4 24 | $268.1M | $-48.9M | ||
| Q3 24 | $152.7M | $-16.1M | ||
| Q2 24 | $30.5M | $-199.6M | ||
| Q1 24 | $161.7M | $-150.3M |
自由现金流率AFRMIDA
| Q4 25 | 29.4% | -60.0% | ||
| Q3 25 | 99.9% | -24.3% | ||
| Q2 25 | 7.7% | -34.8% | ||
| Q1 25 | 57.7% | -18.7% | ||
| Q4 24 | 88.5% | -13.0% | ||
| Q3 24 | 65.9% | -3.0% | ||
| Q2 24 | 13.6% | -45.1% | ||
| Q1 24 | 82.9% | -36.0% |
资本支出强度AFRMIDA
| Q4 25 | 13.9% | 98.3% | ||
| Q3 25 | 17.0% | 55.2% | ||
| Q2 25 | 16.7% | 74.2% | ||
| Q1 25 | 19.5% | 49.0% | ||
| Q4 24 | 14.5% | 49.3% | ||
| Q3 24 | 19.0% | 41.0% | ||
| Q2 24 | 17.1% | 78.2% | ||
| Q1 24 | 23.8% | 62.2% |
现金转化率AFRMIDA
| Q4 25 | 1.34× | 3.16× | ||
| Q3 25 | 4.64× | 1.31× | ||
| Q2 25 | 1.08× | 1.85× | ||
| Q1 25 | 75.03× | 2.08× | ||
| Q4 24 | 3.88× | 3.60× | ||
| Q3 24 | — | 1.78× | ||
| Q2 24 | — | 1.63× | ||
| Q1 24 | — | 2.28× |
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% |
IDA
| Retailrevenues | $323.0M | 90% |
| Transmissionserviceswheeling | $18.6M | 5% |
| Energyefficiencyprogramrevenues | $11.7M | 3% |
| Wholesaleenergysales | $10.5M | 3% |
| Otherrevenues | $9.5M | 3% |
