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Affirm Holdings, Inc.（AFRM）与OSI SYSTEMS INC（OSIS）财务数据对比。点击上方公司名可切换其他公司
OSI SYSTEMS INC的季度营收约是Affirm Holdings, Inc.的1.2倍（$464.1M vs $401.4M），Affirm Holdings, Inc.净利率更高（32.3% vs 8.3%，领先23.9%），Affirm Holdings, Inc.同比增速更快（32.5% vs 10.5%），Affirm Holdings, Inc.自由现金流更多（$118.0M vs $55.5M），过去两年Affirm Holdings, Inc.的营收复合增速更高（43.5% vs 7.0%）
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。
OSI系统公司是总部位于美国加利福尼亚州的企业，主营安全检测系统、医疗设备及光电器件三大业务板块，产品涵盖机场安检X光机、金属探测器、医疗监护与麻醉系统等，旗下拥有Spacelabs Healthcare、Rapiscan Systems、OSI Optoelectronics等子公司，全球员工规模约3180人。
AFRM vs OSIS — 直观对比
损益表 — Q2 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $401.4M | $464.1M |
| 净利润 | $129.6M | $38.7M |
| 毛利率 | — | 32.7% |
| 营业利润率 | 29.3% | 12.7% |
| 净利率 | 32.3% | 8.3% |
| 营收同比 | 32.5% | 10.5% |
| 净利润同比 | 61.3% | 2.3% |
| 每股收益（稀释后） | $0.37 | $2.22 |
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 | $464.1M | ||
| Q3 25 | $320.5M | $384.6M | ||
| Q2 25 | $306.6M | $505.0M | ||
| Q1 25 | $272.5M | $444.4M | ||
| Q4 24 | $303.0M | $419.8M | ||
| Q3 24 | $231.8M | $344.0M | ||
| Q2 24 | $224.0M | $480.9M | ||
| Q1 24 | $195.0M | $405.4M |
| Q4 25 | $129.6M | $38.7M | ||
| Q3 25 | $80.7M | $20.6M | ||
| Q2 25 | $69.2M | $52.7M | ||
| Q1 25 | $2.8M | $41.1M | ||
| Q4 24 | $80.4M | $37.8M | ||
| Q3 24 | $-100.2M | $17.9M | ||
| Q2 24 | $-45.1M | $44.7M | ||
| Q1 24 | $-133.9M | $34.0M |
| Q4 25 | — | 32.7% | ||
| Q3 25 | — | 32.0% | ||
| Q2 25 | — | 33.3% | ||
| Q1 25 | — | 33.8% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 32.1% | ||
| Q1 24 | — | 33.6% |
| Q4 25 | 29.3% | 12.7% | ||
| Q3 25 | 19.9% | 8.6% | ||
| Q2 25 | 18.9% | 14.5% | ||
| Q1 25 | -3.1% | 12.7% | ||
| Q4 24 | -1.4% | 13.8% | ||
| Q3 24 | -57.2% | 8.8% | ||
| Q2 24 | -32.8% | 13.1% | ||
| Q1 24 | -82.5% | 12.7% |
| Q4 25 | 32.3% | 8.3% | ||
| Q3 25 | 25.2% | 5.3% | ||
| Q2 25 | 22.6% | 10.4% | ||
| Q1 25 | 1.0% | 9.3% | ||
| Q4 24 | 26.5% | 9.0% | ||
| Q3 24 | -43.2% | 5.2% | ||
| Q2 24 | -20.2% | 9.3% | ||
| Q1 24 | -68.7% | 8.4% |
| Q4 25 | $0.37 | $2.22 | ||
| Q3 25 | $0.23 | $1.18 | ||
| Q2 25 | $0.22 | $3.04 | ||
| Q1 25 | $0.01 | $2.40 | ||
| Q4 24 | $0.23 | $2.22 | ||
| Q3 24 | $-0.31 | $1.05 | ||
| Q2 24 | $-0.13 | $2.57 | ||
| Q1 24 | $-0.43 | $1.95 |
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 | $336.7M |
| 总债务越低越好 | $9.0B | $1.0B |
| 股东权益账面价值 | $3.5B | $845.5M |
| 总资产 | $13.0B | $2.5B |
| 负债/权益比越低杠杆越低 | 2.54× | 1.19× |
8季度趋势，按日历期对齐
| Q4 25 | $1.5B | $336.7M | ||
| Q3 25 | $1.4B | $124.4M | ||
| Q2 25 | $1.4B | $106.4M | ||
| Q1 25 | $1.4B | $95.8M | ||
| Q4 24 | $1.2B | $101.6M | ||
| Q3 24 | $1.0B | $85.1M | ||
| Q2 24 | $1.0B | $95.4M | ||
| Q1 24 | $1.3B | $101.4M |
| Q4 25 | $9.0B | $1.0B | ||
| Q3 25 | $7.7B | $442.2M | ||
| Q2 25 | $7.6B | $471.6M | ||
| Q1 25 | $7.1B | $473.2M | ||
| Q4 24 | $7.3B | $474.8M | ||
| Q3 24 | — | $476.3M | ||
| Q2 24 | $1.8B | $137.6M | ||
| Q1 24 | — | — |
| Q4 25 | $3.5B | $845.5M | ||
| Q3 25 | $3.3B | $946.0M | ||
| Q2 25 | $3.1B | $951.1M | ||
| Q1 25 | $2.9B | $879.3M | ||
| Q4 24 | $2.8B | $825.8M | ||
| Q3 24 | $2.8B | $786.5M | ||
| Q2 24 | $2.7B | $863.5M | ||
| Q1 24 | $2.6B | $813.4M |
| Q4 25 | $13.0B | $2.5B | ||
| Q3 25 | $11.5B | $2.3B | ||
| Q2 25 | $11.2B | $2.2B | ||
| Q1 25 | $10.4B | $2.1B | ||
| Q4 24 | $10.5B | $2.1B | ||
| Q3 24 | $10.1B | $2.1B | ||
| Q2 24 | $9.5B | $1.9B | ||
| Q1 24 | $9.2B | $1.8B |
| Q4 25 | 2.54× | 1.19× | ||
| Q3 25 | 2.35× | 0.47× | ||
| Q2 25 | 2.48× | 0.50× | ||
| Q1 25 | 2.49× | 0.54× | ||
| Q4 24 | 2.62× | 0.57× | ||
| Q3 24 | — | 0.61× | ||
| Q2 24 | 0.67× | 0.16× | ||
| 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 | $62.2M |
| 自由现金流经营现金流 - 资本支出 | $118.0M | $55.5M |
| 自由现金流率自由现金流/营收 | 29.4% | 12.0% |
| 资本支出强度资本支出/营收 | 13.9% | 1.4% |
| 现金转化率经营现金流/净利润 | 1.34× | 1.61× |
| 过去12个月自由现金流最近4个季度 | $619.1M | $137.2M |
8季度趋势，按日历期对齐
| Q4 25 | $173.7M | $62.2M | ||
| Q3 25 | $374.6M | $17.1M | ||
| Q2 25 | $74.6M | $562.0K | ||
| Q1 25 | $210.4M | $81.6M | ||
| Q4 24 | $312.0M | $52.5M | ||
| Q3 24 | $196.9M | $-37.2M | ||
| Q2 24 | $68.8M | $-29.0M | ||
| Q1 24 | $208.2M | $-52.1M |
| Q4 25 | $118.0M | $55.5M | ||
| Q3 25 | $320.2M | $10.1M | ||
| Q2 25 | $23.5M | $-5.6M | ||
| Q1 25 | $157.4M | $77.1M | ||
| Q4 24 | $268.1M | $47.1M | ||
| Q3 24 | $152.7M | $-44.9M | ||
| Q2 24 | $30.5M | $-37.5M | ||
| Q1 24 | $161.7M | $-57.0M |
| Q4 25 | 29.4% | 12.0% | ||
| Q3 25 | 99.9% | 2.6% | ||
| Q2 25 | 7.7% | -1.1% | ||
| Q1 25 | 57.7% | 17.4% | ||
| Q4 24 | 88.5% | 11.2% | ||
| Q3 24 | 65.9% | -13.0% | ||
| Q2 24 | 13.6% | -7.8% | ||
| Q1 24 | 82.9% | -14.1% |
| Q4 25 | 13.9% | 1.4% | ||
| Q3 25 | 17.0% | 1.8% | ||
| Q2 25 | 16.7% | 1.2% | ||
| Q1 25 | 19.5% | 1.0% | ||
| Q4 24 | 14.5% | 1.3% | ||
| Q3 24 | 19.0% | 2.2% | ||
| Q2 24 | 17.1% | 1.8% | ||
| Q1 24 | 23.8% | 1.2% |
| Q4 25 | 1.34× | 1.61× | ||
| Q3 25 | 4.64× | 0.83× | ||
| Q2 25 | 1.08× | 0.01× | ||
| Q1 25 | 75.03× | 1.98× | ||
| Q4 24 | 3.88× | 1.39× | ||
| Q3 24 | — | -2.07× | ||
| Q2 24 | — | -0.65× | ||
| Q1 24 | — | -1.53× |
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% |
OSIS
| Security Division | $334.7M | 72% |
| Optoelectronics And Manufacturing Division | $92.8M | 20% |
| Healthcare Division | $36.5M | 8% |
