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Axos Financial, Inc.（AX）与南玻集团（CSGS）财务数据对比。点击上方公司名可切换其他公司
Axos Financial, Inc.的季度营收约是南玻集团的1.2倍（$392.2M vs $323.1M），Axos Financial, Inc.净利率更高（31.8% vs 2.2%，领先29.6%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 4.6%）
Axos Financial是总部位于美国内华达州拉斯维加斯的银行控股公司，旗下拥有直销银行Axos Bank，同时提供注册投资顾问服务及电子交易平台，深耕数字化金融赛道，可为用户提供多元便捷的金融服务解决方案。
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
AX vs CSGS — 直观对比
营收规模更大
AX
是对方的1.2倍
$323.1M
净利率更高
AX
高出29.6%
2.2%
两年增速更快
AX
近两年复合增速
4.6%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $323.1M |
| 净利润 | $124.7M | $7.0M |
| 毛利率 | — | 50.0% |
| 营业利润率 | — | 9.0% |
| 净利率 | 31.8% | 2.2% |
| 营收同比 | — | 2.0% |
| 净利润同比 | 18.5% | -79.7% |
| 每股收益（稀释后） | $2.15 | $0.24 |
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AXCSGS
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $323.1M | ||
| Q3 25 | $323.4M | $303.6M | ||
| Q2 25 | $321.4M | $297.1M | ||
| Q1 25 | $308.8M | $299.5M | ||
| Q4 24 | $307.9M | $316.7M | ||
| Q3 24 | $320.7M | $295.1M | ||
| Q2 24 | $290.9M | $290.3M |
净利润AXCSGS
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $7.0M | ||
| Q3 25 | $112.4M | $20.5M | ||
| Q2 25 | $110.7M | $12.3M | ||
| Q1 25 | $105.2M | $16.1M | ||
| Q4 24 | $104.7M | $34.5M | ||
| Q3 24 | $112.3M | $19.1M | ||
| Q2 24 | $104.9M | $13.8M |
毛利率AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 48.1% | ||
| Q2 25 | — | 49.5% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 47.3% |
营业利润率AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 9.0% | ||
| Q3 25 | 46.3% | 10.0% | ||
| Q2 25 | 48.5% | 10.0% | ||
| Q1 25 | 47.9% | 9.8% | ||
| Q4 24 | 48.8% | 13.4% | ||
| Q3 24 | 49.6% | 10.8% | ||
| Q2 24 | 49.6% | 8.8% |
净利率AXCSGS
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 2.2% | ||
| Q3 25 | 34.7% | 6.7% | ||
| Q2 25 | 34.4% | 4.1% | ||
| Q1 25 | 34.1% | 5.4% | ||
| Q4 24 | 34.0% | 10.9% | ||
| Q3 24 | 35.0% | 6.5% | ||
| Q2 24 | 36.0% | 4.8% |
每股收益（稀释后）AXCSGS
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.24 | ||
| Q3 25 | $1.94 | $0.73 | ||
| Q2 25 | $1.89 | $0.44 | ||
| Q1 25 | $1.81 | $0.57 | ||
| Q4 24 | $1.80 | $1.20 | ||
| Q3 24 | $1.93 | $0.67 | ||
| Q2 24 | $1.75 | $0.48 |
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 | — | $180.0M |
| 总债务越低越好 | — | $539.5M |
| 股东权益账面价值 | $3.1B | $283.7M |
| 总资产 | $29.2B | $1.5B |
| 负债/权益比越低杠杆越低 | — | 1.90× |
8季度趋势，按日历期对齐
现金及短期投资AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $180.0M | ||
| Q3 25 | $2.6B | $158.4M | ||
| Q2 25 | $1.9B | $145.9M | ||
| Q1 25 | $2.0B | $136.0M | ||
| Q4 24 | $2.4B | $161.8M | ||
| Q3 24 | $2.6B | $118.4M | ||
| Q2 24 | $2.0B | $110.4M |
总债务AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | $539.5M | ||
| Q3 25 | — | $538.6M | ||
| Q2 25 | $312.7M | $537.8M | ||
| Q1 25 | $377.4M | $537.6M | ||
| Q4 24 | $358.7M | $538.5M | ||
| Q3 24 | $313.5M | $539.5M | ||
| Q2 24 | $325.7M | $540.5M |
股东权益AXCSGS
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $283.7M | ||
| Q3 25 | $2.8B | $289.5M | ||
| Q2 25 | $2.7B | $290.7M | ||
| Q1 25 | $2.6B | $283.1M | ||
| Q4 24 | $2.5B | $282.6M | ||
| Q3 24 | $2.4B | $288.4M | ||
| Q2 24 | $2.3B | $273.3M |
总资产AXCSGS
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.5B | ||
| Q3 25 | $27.4B | $1.5B | ||
| Q2 25 | $24.8B | $1.4B | ||
| Q1 25 | $24.0B | $1.4B | ||
| Q4 24 | $23.7B | $1.5B | ||
| Q3 24 | $23.6B | $1.4B | ||
| Q2 24 | $22.9B | $1.4B |
负债/权益比AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.90× | ||
| Q3 25 | — | 1.86× | ||
| Q2 25 | 0.12× | 1.85× | ||
| Q1 25 | 0.14× | 1.90× | ||
| Q4 24 | 0.14× | 1.91× | ||
| Q3 24 | 0.13× | 1.87× | ||
| Q2 24 | 0.14× | 1.98× |
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 | — | $59.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.8M |
| 自由现金流率自由现金流/营收 | — | 17.3% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | — | 8.46× |
| 过去12个月自由现金流最近4个季度 | — | $141.4M |
8季度趋势，按日历期对齐
经营现金流AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $59.2M | ||
| Q3 25 | $118.4M | $47.9M | ||
| Q2 25 | $490.3M | $37.3M | ||
| Q1 25 | $73.7M | $11.5M | ||
| Q4 24 | $162.5M | $82.5M | ||
| Q3 24 | $70.8M | $39.5M | ||
| Q2 24 | $305.5M | $43.1M |
自由现金流AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $55.8M | ||
| Q3 25 | $109.3M | $43.9M | ||
| Q2 25 | $436.1M | $34.6M | ||
| Q1 25 | $65.1M | $7.1M | ||
| Q4 24 | $156.4M | $76.6M | ||
| Q3 24 | $53.0M | $32.0M | ||
| Q2 24 | $269.5M | $38.8M |
自由现金流率AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 17.3% | ||
| Q3 25 | 33.8% | 14.5% | ||
| Q2 25 | 135.7% | 11.6% | ||
| Q1 25 | 21.1% | 2.4% | ||
| Q4 24 | 50.8% | 24.2% | ||
| Q3 24 | 16.5% | 10.8% | ||
| Q2 24 | 92.6% | 13.4% |
资本支出强度AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 1.1% | ||
| Q3 25 | 2.8% | 1.3% | ||
| Q2 25 | 16.9% | 0.9% | ||
| Q1 25 | 2.8% | 1.5% | ||
| Q4 24 | 2.0% | 1.9% | ||
| Q3 24 | 5.5% | 2.5% | ||
| Q2 24 | 12.4% | 1.5% |
现金转化率AXCSGS
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 8.46× | ||
| Q3 25 | 1.05× | 2.34× | ||
| Q2 25 | 4.43× | 3.04× | ||
| Q1 25 | 0.70× | 0.71× | ||
| Q4 24 | 1.55× | 2.39× | ||
| Q3 24 | 0.63× | 2.07× | ||
| Q2 24 | 2.91× | 3.12× |
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
AX
| Net Interest Income | $306.3M | 78% |
| Noninterest Income | $86.0M | 22% |
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
