Affirm Holdings, Inc.
NASDAQ•AFRM
CEO: Mr. Max Roth Levchin
セクター: Technology
業種: Software - Infrastructure
上場日: 2021-01-13
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
連絡先情報
時価総額
$15.62B
PER (TTM)
55.5
44.5
配当利回り
--
52週高値
$100.00
52週安値
$30.90
52週レンジ
順位65Top 96.0%
1.6
F-Score
改良版 Piotroski 分析
7年ファンダメンタル
弱い • 1.6 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2019-2025
財務ダッシュボード
Q2 2026 データ
売上高
$1.12B+0.00%
直近4四半期の推移
EPS
$0.39+0.00%
直近4四半期の推移
フリーCF
$118.03M+0.00%
直近4四半期の推移
2026 Q2 決算ハイライト
主なハイライト
Strong Quarterly Revenue Growth Total net revenue reached $1.123 B for the three months ended December 31, 2025, marking a substantial 30% increase.
Net Income Jumps 61% Net income for the quarter was $129.6 M, showing a significant 61% improvement compared to $80.4 M last year.
GMV Growth Accelerates Quarterly GMV hit $13.8 B, increasing 36% versus prior year, driven by top merchants and Affirm Card adoption.
Active Consumer Base Expands Active consumers grew 23% to 25.8 million as of December 31, 2025, indicating strong network adoption.
リスク要因
Credit Loss Provision Rises Provision for credit losses increased 40% to $214.2 M for the quarter, reflecting higher expected lifetime losses.
Operating Expenses Increase Total operating expenses grew 15% to $1.005 B, driven by higher provision and technology investments.
Macroeconomic Uncertainty Persists Continued inflation and interest rate volatility may negatively impact consumer spending and loan repayment performance.
Legal Proceedings Exposure Ongoing legal claims, including appeals, require management resources and present unquantifiable financial uncertainty.
見通し
Bank Charter Application Filed Submitted application for Affirm Bank subsidiary in Nevada, aiming for enhanced funding flexibility and diversification.
Valuation Allowance Release Expected Expect potential release of domestic deferred tax valuation allowance within FY2026 based on improved earnings trends.
Warrant Expense Normalization Amazon warrant expense decreased significantly as vesting completed, easing pressure on sales and marketing costs.
Focus on Network Expansion Strategy centers on expanding merchant base and platform partnerships to sustain consumer engagement and transaction growth.
同業比較
売上高 (TTM)
$6.15B
$4.53B
$3.72B
粗利益率 (最新四半期)
88.5%
87.4%
85.1%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| CPAY | $22.21B | 20.6 | 27.9% | 38.3% |
| VRSN | $22.12B | 26.7 | -40.4% | 135.6% |
| MDB | $20.97B | -297.6 | -2.4% | 0.9% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
12.8%
安定成長
4四半期純利益CAGR
258.9%
収益性の大幅な改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年5月6日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし