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Axos Financial, Inc.（AX）与DELUXE CORP（DLX）财务数据对比。点击上方公司名可切换其他公司
DELUXE CORP的季度营收约是Axos Financial, Inc.的1.4倍（$535.2M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs 2.2%，领先29.5%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 0.0%）
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。
德朗士公司是一家美国企业，提供支付处理、数据服务、票据与促销产品以及商户服务，业务分为B2B支付、数据、印刷和商户服务四大板块。截至2025年，公司为数百万中小企业和数千家金融机构提供服务，每年处理支付交易总额超2.8万亿美元，虽传统核心业务为票据印刷等印刷产品，如今支付与数据服务已成为核心板块。
AX vs DLX — 直观对比
营收规模更大
DLX
是对方的1.4倍
$392.2M
净利率更高
AX
高出29.5%
2.2%
两年增速更快
AX
近两年复合增速
0.0%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $535.2M |
| 净利润 | $124.7M | $12.0M |
| 毛利率 | — | 52.2% |
| 营业利润率 | — | 8.9% |
| 净利率 | 31.8% | 2.2% |
| 营收同比 | — | 2.8% |
| 净利润同比 | 18.5% | -5.0% |
| 每股收益（稀释后） | $2.15 | $0.25 |
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AXDLX
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $535.2M | ||
| Q3 25 | $323.4M | $540.2M | ||
| Q2 25 | $321.4M | $521.3M | ||
| Q1 25 | $308.8M | $536.5M | ||
| Q4 24 | $307.9M | $520.6M | ||
| Q3 24 | $320.7M | $528.4M | ||
| Q2 24 | $290.9M | $537.8M |
净利润AXDLX
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $12.0M | ||
| Q3 25 | $112.4M | $33.7M | ||
| Q2 25 | $110.7M | $22.4M | ||
| Q1 25 | $105.2M | $14.0M | ||
| Q4 24 | $104.7M | $12.6M | ||
| Q3 24 | $112.3M | $8.9M | ||
| Q2 24 | $104.9M | $20.5M |
毛利率AXDLX
| Q1 26 | — | — | ||
| Q4 25 | — | 52.2% | ||
| Q3 25 | — | 53.9% | ||
| Q2 25 | — | 53.6% | ||
| Q1 25 | — | 52.4% | ||
| Q4 24 | — | 52.3% | ||
| Q3 24 | — | 53.3% | ||
| Q2 24 | — | 53.7% |
营业利润率AXDLX
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 8.9% | ||
| Q3 25 | 46.3% | 14.0% | ||
| Q2 25 | 48.5% | 11.7% | ||
| Q1 25 | 47.9% | 9.0% | ||
| Q4 24 | 48.8% | 9.0% | ||
| Q3 24 | 49.6% | 7.9% | ||
| Q2 24 | 49.6% | 11.0% |
净利率AXDLX
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 2.2% | ||
| Q3 25 | 34.7% | 6.2% | ||
| Q2 25 | 34.4% | 4.3% | ||
| Q1 25 | 34.1% | 2.6% | ||
| Q4 24 | 34.0% | 2.4% | ||
| Q3 24 | 35.0% | 1.7% | ||
| Q2 24 | 36.0% | 3.8% |
每股收益（稀释后）AXDLX
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.25 | ||
| Q3 25 | $1.94 | $0.74 | ||
| Q2 25 | $1.89 | $0.50 | ||
| Q1 25 | $1.81 | $0.31 | ||
| Q4 24 | $1.80 | $0.28 | ||
| Q3 24 | $1.93 | $0.20 | ||
| Q2 24 | $1.75 | $0.46 |
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 | — | $36.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.1B | $680.7M |
| 总资产 | $29.2B | $2.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AXDLX
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $36.9M | ||
| Q3 25 | $2.6B | $25.8M | ||
| Q2 25 | $1.9B | $26.0M | ||
| Q1 25 | $2.0B | $30.3M | ||
| Q4 24 | $2.4B | $34.4M | ||
| Q3 24 | $2.6B | $41.3M | ||
| Q2 24 | $2.0B | $23.1M |
总债务AXDLX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $312.7M | — | ||
| Q1 25 | $377.4M | — | ||
| Q4 24 | $358.7M | — | ||
| Q3 24 | $313.5M | — | ||
| Q2 24 | $325.7M | — |
股东权益AXDLX
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $680.7M | ||
| Q3 25 | $2.8B | $664.1M | ||
| Q2 25 | $2.7B | $638.7M | ||
| Q1 25 | $2.6B | $622.5M | ||
| Q4 24 | $2.5B | $620.9M | ||
| Q3 24 | $2.4B | $612.7M | ||
| Q2 24 | $2.3B | $620.5M |
总资产AXDLX
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $2.9B | ||
| Q3 25 | $27.4B | $2.6B | ||
| Q2 25 | $24.8B | $2.5B | ||
| Q1 25 | $24.0B | $2.6B | ||
| Q4 24 | $23.7B | $2.8B | ||
| Q3 24 | $23.6B | $2.6B | ||
| Q2 24 | $22.9B | $2.7B |
负债/权益比AXDLX
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 0.13× | — | ||
| Q2 24 | 0.14× | — |
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 | — | $102.1M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 8.53× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AXDLX
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $102.1M | ||
| Q3 25 | $118.4M | $67.1M | ||
| Q2 25 | $490.3M | $51.1M | ||
| Q1 25 | $73.7M | $50.3M | ||
| Q4 24 | $162.5M | $60.2M | ||
| Q3 24 | $70.8M | $67.9M | ||
| Q2 24 | $305.5M | $39.6M |
自由现金流AXDLX
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | — | ||
| Q3 25 | $109.3M | — | ||
| Q2 25 | $436.1M | $27.8M | ||
| Q1 25 | $65.1M | $24.3M | ||
| Q4 24 | $156.4M | — | ||
| Q3 24 | $53.0M | $46.7M | ||
| Q2 24 | $269.5M | $11.4M |
自由现金流率AXDLX
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 33.8% | — | ||
| Q2 25 | 135.7% | 5.3% | ||
| Q1 25 | 21.1% | 4.5% | ||
| Q4 24 | 50.8% | — | ||
| Q3 24 | 16.5% | 8.8% | ||
| Q2 24 | 92.6% | 2.1% |
资本支出强度AXDLX
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | 16.9% | 4.5% | ||
| Q1 25 | 2.8% | 4.8% | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 5.5% | 4.0% | ||
| Q2 24 | 12.4% | 5.2% |
现金转化率AXDLX
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 8.53× | ||
| Q3 25 | 1.05× | 1.99× | ||
| Q2 25 | 4.43× | 2.28× | ||
| Q1 25 | 0.70× | 3.59× | ||
| Q4 24 | 1.55× | 4.77× | ||
| Q3 24 | 0.63× | 7.60× | ||
| Q2 24 | 2.91× | 1.94× |
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% |
DLX
| Services | $247.9M | 46% |
| B2B Payments | $76.3M | 14% |
| Datadrivenmarketingsolutions | $68.5M | 13% |
| Promotional Solutions Revenue | $60.9M | 11% |
| Treasurymanagementsolutions | $59.8M | 11% |
| Other | $17.3M | 3% |
| Other Web Based Solutions | $4.6M | 1% |
