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Ameriprise Financial（AMP）与Usio, Inc.（USIO）财务数据对比。点击上方公司名可切换其他公司
Ameriprise Financial的季度营收约是Usio, Inc.的219.7倍（$4.9B vs $22.2M）。Ameriprise Financial净利率更高（18.7% vs -6.7%，领先25.5%）。Ameriprise Financial同比增速更快（9.0% vs 8.2%）。过去两年Ameriprise Financial的营收复合增速更高（5.5% vs 3.0%）
美国金融服务商Ameriprise Financial面向美国及全球其他地区的个人与机构客户提供多元化金融产品及服务，下设顾问与财富管理、资产管理、退休与保障解决方案、企业及其他四大业务板块，可满足客户财务规划、投资咨询、经纪服务等多方面需求。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
AMP vs USIO — 直观对比
营收规模更大
AMP
是对方的219.7倍
$22.2M
营收增速更快
AMP
高出0.8%
8.2%
净利率更高
AMP
高出25.5%
-6.7%
两年增速更快
AMP
近两年复合增速
3.0%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $22.2M |
| 净利润 | $915.0M | $-1.5M |
| 毛利率 | — | 21.9% |
| 营业利润率 | — | -5.7% |
| 净利率 | 18.7% | -6.7% |
| 营收同比 | 9.0% | 8.2% |
| 净利润同比 | 57.0% | -337.8% |
| 每股收益（稀释后） | — | $-0.05 |
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AMPUSIO
| Q1 26 | $4.9B | — | ||
| Q4 25 | $5.0B | $22.2M | ||
| Q3 25 | $4.9B | $21.2M | ||
| Q2 25 | $4.5B | $20.0M | ||
| Q1 25 | $4.5B | $22.0M | ||
| Q4 24 | $4.6B | $20.6M | ||
| Q3 24 | $4.6B | $21.3M | ||
| Q2 24 | $4.4B | $20.1M |
净利润AMPUSIO
| Q1 26 | $915.0M | — | ||
| Q4 25 | $1.0B | $-1.5M | ||
| Q3 25 | $912.0M | $-415.1K | ||
| Q2 25 | $1.1B | $-366.7K | ||
| Q1 25 | $583.0M | $-235.0K | ||
| Q4 24 | $1.1B | $628.9K | ||
| Q3 24 | $511.0M | $2.9M | ||
| Q2 24 | $829.0M | $75.5K |
毛利率AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 23.9% |
营业利润率AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 25.6% | -5.7% | ||
| Q3 25 | 24.0% | -2.2% | ||
| Q2 25 | 30.1% | -2.0% | ||
| Q1 25 | 15.3% | -1.1% | ||
| Q4 24 | 29.1% | -2.9% | ||
| Q3 24 | 14.1% | -1.8% | ||
| Q2 24 | 23.9% | -1.0% |
净利率AMPUSIO
| Q1 26 | 18.7% | — | ||
| Q4 25 | 20.0% | -6.7% | ||
| Q3 25 | 18.6% | -2.0% | ||
| Q2 25 | 23.6% | -1.8% | ||
| Q1 25 | 13.0% | -1.1% | ||
| Q4 24 | 23.0% | 3.1% | ||
| Q3 24 | 11.2% | 13.4% | ||
| Q2 24 | 18.9% | 0.4% |
每股收益（稀释后）AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $10.39 | $-0.05 | ||
| Q3 25 | $9.33 | $-0.02 | ||
| Q2 25 | $10.73 | $-0.01 | ||
| Q1 25 | $5.83 | $-0.01 | ||
| Q4 24 | $10.57 | $0.03 | ||
| Q3 24 | $5.00 | $0.10 | ||
| Q2 24 | $8.02 | $0.00 |
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 | $8.3B | $7.4M |
| 总债务越低越好 | $3.3B | $1.4M |
| 股东权益账面价值 | $355.9B | $17.9M |
| 总资产 | $184.4B | $134.9M |
| 负债/权益比越低杠杆越低 | 0.01× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资AMPUSIO
| Q1 26 | $8.3B | — | ||
| Q4 25 | — | $7.4M | ||
| Q3 25 | — | $7.7M | ||
| Q2 25 | — | $8.1M | ||
| Q1 25 | — | $8.7M | ||
| Q4 24 | — | $8.1M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | $7.2M |
总债务AMPUSIO
| Q1 26 | $3.3B | — | ||
| Q4 25 | — | $1.4M | ||
| Q3 25 | — | $836.7K | ||
| Q2 25 | — | $647.1K | ||
| Q1 25 | — | $683.3K | ||
| Q4 24 | — | $719.4K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益AMPUSIO
| Q1 26 | $355.9B | — | ||
| Q4 25 | $6.5B | $17.9M | ||
| Q3 25 | $6.5B | $18.7M | ||
| Q2 25 | $6.1B | $18.7M | ||
| Q1 25 | $5.4B | $19.0M | ||
| Q4 24 | $5.2B | $19.2M | ||
| Q3 24 | $5.7B | $18.9M | ||
| Q2 24 | $5.0B | $15.7M |
总资产AMPUSIO
| Q1 26 | $184.4B | — | ||
| Q4 25 | $190.9B | $134.9M | ||
| Q3 25 | $190.1B | $99.4M | ||
| Q2 25 | $184.9B | $108.4M | ||
| Q1 25 | $179.1B | $109.6M | ||
| Q4 24 | $181.4B | $107.2M | ||
| Q3 24 | $186.0B | $114.6M | ||
| Q2 24 | $179.7B | $108.8M |
负债/权益比AMPUSIO
| Q1 26 | 0.01× | — | ||
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | — | ||
| Q2 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 | — | $99.6K |
| 自由现金流经营现金流 - 资本支出 | — | $-42.8K |
| 自由现金流率自由现金流/营收 | — | -0.2% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $600.1K |
8季度趋势，按日历期对齐
经营现金流AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $2.7B | $99.6K | ||
| Q3 25 | $2.2B | $303.8K | ||
| Q2 25 | $1.8B | $-263.9K | ||
| Q1 25 | $1.7B | $1.4M | ||
| Q4 24 | $383.0M | $1.0M | ||
| Q3 24 | $3.0B | $1.4M | ||
| Q2 24 | $1.7B | $369.1K |
自由现金流AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $2.6B | $-42.8K | ||
| Q3 25 | $2.2B | $85.2K | ||
| Q2 25 | $1.7B | $-503.2K | ||
| Q1 25 | $1.6B | $1.1M | ||
| Q4 24 | $325.0M | $931.7K | ||
| Q3 24 | $3.0B | $1.4M | ||
| Q2 24 | $1.7B | $246.3K |
自由现金流率AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 52.0% | -0.2% | ||
| Q3 25 | 44.1% | 0.4% | ||
| Q2 25 | 38.4% | -2.5% | ||
| Q1 25 | 36.8% | 4.8% | ||
| Q4 24 | 7.0% | 4.5% | ||
| Q3 24 | 65.8% | 6.4% | ||
| Q2 24 | 38.8% | 1.2% |
资本支出强度AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | 0.6% | ||
| Q3 25 | 0.9% | 1.0% | ||
| Q2 25 | 0.8% | 1.2% | ||
| Q1 25 | 0.8% | 1.4% | ||
| Q4 24 | 1.2% | 0.4% | ||
| Q3 24 | 1.1% | 0.3% | ||
| Q2 24 | 0.4% | 0.6% |
现金转化率AMPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 2.65× | — | ||
| Q3 25 | 2.42× | — | ||
| Q2 25 | 1.66× | — | ||
| Q1 25 | 2.89× | — | ||
| Q4 24 | 0.36× | 1.60× | ||
| Q3 24 | 5.96× | 0.50× | ||
| Q2 24 | 2.07× | 4.89× |
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
AMP
| Management and financial advice fees | $2.9B | 60% |
| Other | $872.0M | 18% |
| Distribution fees | $563.0M | 12% |
| Premiums, policy and contract charges | $341.0M | 7% |
| Other revenues | $166.0M | 3% |
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
