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Affirm Holdings, Inc.（AFRM）与Priority Technology Holdings, Inc.（PRTH）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Priority Technology Holdings, Inc.的1.6倍（$401.4M vs $247.1M），Affirm Holdings, Inc.净利率更高（32.3% vs 3.6%，领先28.7%），Affirm Holdings, Inc.同比增速更快（32.5% vs 8.8%），Affirm Holdings, Inc.自由现金流更多（$118.0M vs $30.9M），过去两年Affirm Holdings, Inc.的营收复合增速更高（43.5% vs 9.6%）
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。
Priority Technology Holdings, Inc.是一家聚焦信息技术领域的企业，业务围绕计算机、通信系统等相关信息设备展开，涵盖信息的创建、处理、存储、检索与传输等相关信息技术应用服务，依托计算机科学与工程技术支撑业务开展。
AFRM vs PRTH — 直观对比
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $401.4M | $247.1M |
| 净利润 | $129.6M | $8.9M |
| 毛利率 | — | — |
| 营业利润率 | 29.3% | 13.6% |
| 净利率 | 32.3% | 3.6% |
| 营收同比 | 32.5% | 8.8% |
| 净利润同比 | 61.3% | 23.9% |
| 每股收益（稀释后） | $0.37 | $0.10 |
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 | $247.1M | ||
| Q3 25 | $320.5M | $241.4M | ||
| Q2 25 | $306.6M | $239.8M | ||
| Q1 25 | $272.5M | $224.6M | ||
| Q4 24 | $303.0M | $227.1M | ||
| Q3 24 | $231.8M | $227.0M | ||
| Q2 24 | $224.0M | $219.9M | ||
| Q1 24 | $195.0M | $205.7M |
| Q4 25 | $129.6M | $8.9M | ||
| Q3 25 | $80.7M | $27.6M | ||
| Q2 25 | $69.2M | $10.9M | ||
| Q1 25 | $2.8M | $8.3M | ||
| Q4 24 | $80.4M | $7.2M | ||
| Q3 24 | $-100.2M | $10.6M | ||
| Q2 24 | $-45.1M | $994.0K | ||
| Q1 24 | $-133.9M | $5.2M |
| Q4 25 | 29.3% | 13.6% | ||
| Q3 25 | 19.9% | 15.6% | ||
| Q2 25 | 18.9% | 15.6% | ||
| Q1 25 | -3.1% | 14.5% | ||
| Q4 24 | -1.4% | 15.0% | ||
| Q3 24 | -57.2% | 16.8% | ||
| Q2 24 | -32.8% | 15.1% | ||
| Q1 24 | -82.5% | 13.6% |
| Q4 25 | 32.3% | 3.6% | ||
| Q3 25 | 25.2% | 11.4% | ||
| Q2 25 | 22.6% | 4.5% | ||
| Q1 25 | 1.0% | 3.7% | ||
| Q4 24 | 26.5% | 3.2% | ||
| Q3 24 | -43.2% | 4.7% | ||
| Q2 24 | -20.2% | 0.5% | ||
| Q1 24 | -68.7% | 2.5% |
| Q4 25 | $0.37 | $0.10 | ||
| Q3 25 | $0.23 | $0.34 | ||
| Q2 25 | $0.22 | $0.14 | ||
| Q1 25 | $0.01 | $0.10 | ||
| Q4 24 | $0.23 | $-0.05 | ||
| Q3 24 | $-0.31 | $0.07 | ||
| Q2 24 | $-0.13 | $-0.23 | ||
| Q1 24 | $-0.43 | $-0.10 |
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 | $77.2M |
| 总债务越低越好 | $9.0B | $1.0B |
| 股东权益账面价值 | $3.5B | $-100.4M |
| 总资产 | $13.0B | $2.4B |
| 负债/权益比越低杠杆越低 | 2.54× | — |
8季度趋势，按日历期对齐
| Q4 25 | $1.5B | $77.2M | ||
| Q3 25 | $1.4B | $57.0M | ||
| Q2 25 | $1.4B | $50.6M | ||
| Q1 25 | $1.4B | $47.6M | ||
| Q4 24 | $1.2B | $58.6M | ||
| Q3 24 | $1.0B | $41.1M | ||
| Q2 24 | $1.0B | $34.6M | ||
| Q1 24 | $1.3B | $34.3M |
| Q4 25 | $9.0B | $1.0B | ||
| Q3 25 | $7.7B | $997.5M | ||
| Q2 25 | $7.6B | $917.0M | ||
| Q1 25 | $7.1B | $918.9M | ||
| Q4 24 | $7.3B | $920.9M | ||
| Q3 24 | — | $808.1M | ||
| Q2 24 | $1.8B | $809.0M | ||
| Q1 24 | — | $631.4M |
| Q4 25 | $3.5B | $-100.4M | ||
| Q3 25 | $3.3B | $-110.3M | ||
| Q2 25 | $3.1B | $-146.1M | ||
| Q1 25 | $2.9B | $-158.3M | ||
| Q4 24 | $2.8B | $-166.8M | ||
| Q3 24 | $2.8B | $-165.8M | ||
| Q2 24 | $2.7B | $-172.1M | ||
| Q1 24 | $2.6B | $-159.9M |
| Q4 25 | $13.0B | $2.4B | ||
| Q3 25 | $11.5B | $2.2B | ||
| Q2 25 | $11.2B | $2.0B | ||
| Q1 25 | $10.4B | $1.9B | ||
| Q4 24 | $10.5B | $1.8B | ||
| Q3 24 | $10.1B | $1.8B | ||
| Q2 24 | $9.5B | $1.7B | ||
| Q1 24 | $9.2B | $1.6B |
| Q4 25 | 2.54× | — | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.48× | — | ||
| Q1 25 | 2.49× | — | ||
| Q4 24 | 2.62× | — | ||
| 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 | $36.8M |
| 自由现金流经营现金流 - 资本支出 | $118.0M | $30.9M |
| 自由现金流率自由现金流/营收 | 29.4% | 12.5% |
| 资本支出强度资本支出/营收 | 13.9% | 2.4% |
| 现金转化率经营现金流/净利润 | 1.34× | 4.12× |
| 过去12个月自由现金流最近4个季度 | $619.1M | $75.1M |
8季度趋势，按日历期对齐
| Q4 25 | $173.7M | $36.8M | ||
| Q3 25 | $374.6M | $36.1M | ||
| Q2 25 | $74.6M | $17.1M | ||
| Q1 25 | $210.4M | $10.0M | ||
| Q4 24 | $312.0M | $23.8M | ||
| Q3 24 | $196.9M | $19.8M | ||
| Q2 24 | $68.8M | $28.7M | ||
| Q1 24 | $208.2M | $13.3M |
| Q4 25 | $118.0M | $30.9M | ||
| Q3 25 | $320.2M | $30.1M | ||
| Q2 25 | $23.5M | $9.2M | ||
| Q1 25 | $157.4M | $4.9M | ||
| Q4 24 | $268.1M | $19.1M | ||
| Q3 24 | $152.7M | $14.5M | ||
| Q2 24 | $30.5M | $23.6M | ||
| Q1 24 | $161.7M | $6.7M |
| Q4 25 | 29.4% | 12.5% | ||
| Q3 25 | 99.9% | 12.5% | ||
| Q2 25 | 7.7% | 3.8% | ||
| Q1 25 | 57.7% | 2.2% | ||
| Q4 24 | 88.5% | 8.4% | ||
| Q3 24 | 65.9% | 6.4% | ||
| Q2 24 | 13.6% | 10.7% | ||
| Q1 24 | 82.9% | 3.3% |
| Q4 25 | 13.9% | 2.4% | ||
| Q3 25 | 17.0% | 2.5% | ||
| Q2 25 | 16.7% | 3.3% | ||
| Q1 25 | 19.5% | 2.3% | ||
| Q4 24 | 14.5% | 2.0% | ||
| Q3 24 | 19.0% | 2.3% | ||
| Q2 24 | 17.1% | 2.3% | ||
| Q1 24 | 23.8% | 3.2% |
| Q4 25 | 1.34× | 4.12× | ||
| Q3 25 | 4.64× | 1.31× | ||
| Q2 25 | 1.08× | 1.57× | ||
| Q1 25 | 75.03× | 1.20× | ||
| Q4 24 | 3.88× | 3.29× | ||
| Q3 24 | — | 1.87× | ||
| Q2 24 | — | 28.87× | ||
| Q1 24 | — | 2.56× |
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% |
PRTH
暂无分部数据
