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Axos Financial, Inc.（AX）与ExlService Holdings, Inc.（EXLS）财务数据对比。点击上方公司名可切换其他公司
ExlService Holdings, Inc.的季度营收约是Axos Financial, Inc.的1.4倍（$542.6M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs 11.1%，领先20.7%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 11.5%）
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。
ExlService Holdings Inc.是全球知名的分析与数字解决方案服务商，服务覆盖保险、医疗健康、银行金融服务、媒体、零售等多个行业，总部位于纽约，在美国、欧洲、亚洲、拉美、澳大利亚、南非等地拥有超过5.4万名专业从业人员。
AX vs EXLS — 直观对比
营收规模更大
EXLS
是对方的1.4倍
$392.2M
净利率更高
AX
高出20.7%
11.1%
两年增速更快
AX
近两年复合增速
11.5%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $542.6M |
| 净利润 | $124.7M | $60.2M |
| 毛利率 | — | 38.6% |
| 营业利润率 | — | 14.4% |
| 净利率 | 31.8% | 11.1% |
| 营收同比 | — | 12.7% |
| 净利润同比 | 18.5% | 18.9% |
| 每股收益（稀释后） | $2.15 | $0.38 |
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AXEXLS
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $542.6M | ||
| Q3 25 | $323.4M | $529.6M | ||
| Q2 25 | $321.4M | $514.5M | ||
| Q1 25 | $308.8M | $501.0M | ||
| Q4 24 | $307.9M | $481.4M | ||
| Q3 24 | $320.7M | $472.1M | ||
| Q2 24 | $290.9M | $448.4M |
净利润AXEXLS
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $60.2M | ||
| Q3 25 | $112.4M | $58.2M | ||
| Q2 25 | $110.7M | $66.1M | ||
| Q1 25 | $105.2M | $66.6M | ||
| Q4 24 | $104.7M | $50.7M | ||
| Q3 24 | $112.3M | $53.0M | ||
| Q2 24 | $104.9M | $45.8M |
毛利率AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 37.7% | ||
| Q1 25 | — | 38.6% | ||
| Q4 24 | — | 38.1% | ||
| Q3 24 | — | 37.8% | ||
| Q2 24 | — | 37.1% |
营业利润率AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 14.4% | ||
| Q3 25 | 46.3% | 14.4% | ||
| Q2 25 | 48.5% | 15.8% | ||
| Q1 25 | 47.9% | 15.7% | ||
| Q4 24 | 48.8% | 14.8% | ||
| Q3 24 | 49.6% | 14.7% | ||
| Q2 24 | 49.6% | 13.7% |
净利率AXEXLS
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 11.1% | ||
| Q3 25 | 34.7% | 11.0% | ||
| Q2 25 | 34.4% | 12.8% | ||
| Q1 25 | 34.1% | 13.3% | ||
| Q4 24 | 34.0% | 10.5% | ||
| Q3 24 | 35.0% | 11.2% | ||
| Q2 24 | 36.0% | 10.2% |
每股收益（稀释后）AXEXLS
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.38 | ||
| Q3 25 | $1.94 | $0.36 | ||
| Q2 25 | $1.89 | $0.40 | ||
| Q1 25 | $1.81 | $0.40 | ||
| Q4 24 | $1.80 | $0.31 | ||
| Q3 24 | $1.93 | $0.33 | ||
| Q2 24 | $1.75 | $0.28 |
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 | — | $328.4M |
| 总债务越低越好 | — | $298.6M |
| 股东权益账面价值 | $3.1B | $912.7M |
| 总资产 | $29.2B | $1.7B |
| 负债/权益比越低杠杆越低 | — | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $328.4M | ||
| Q3 25 | $2.6B | $390.1M | ||
| Q2 25 | $1.9B | $353.3M | ||
| Q1 25 | $2.0B | $331.4M | ||
| Q4 24 | $2.4B | $340.6M | ||
| Q3 24 | $2.6B | $325.8M | ||
| Q2 24 | $2.0B | $276.1M |
总债务AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | — | $298.6M | ||
| Q3 25 | — | $354.8M | ||
| Q2 25 | $312.7M | $260.0M | ||
| Q1 25 | $377.4M | $307.3M | ||
| Q4 24 | $358.7M | $288.5M | ||
| Q3 24 | $313.5M | $344.7M | ||
| Q2 24 | $325.7M | — |
股东权益AXEXLS
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $912.7M | ||
| Q3 25 | $2.8B | $952.4M | ||
| Q2 25 | $2.7B | $1.1B | ||
| Q1 25 | $2.6B | $1.0B | ||
| Q4 24 | $2.5B | $929.9M | ||
| Q3 24 | $2.4B | $907.6M | ||
| Q2 24 | $2.3B | $852.6M |
总资产AXEXLS
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.7B | ||
| Q3 25 | $27.4B | $1.7B | ||
| Q2 25 | $24.8B | $1.7B | ||
| Q1 25 | $24.0B | $1.7B | ||
| Q4 24 | $23.7B | $1.6B | ||
| Q3 24 | $23.6B | $1.6B | ||
| Q2 24 | $22.9B | $1.5B |
负债/权益比AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.33× | ||
| Q3 25 | — | 0.37× | ||
| Q2 25 | 0.12× | 0.25× | ||
| Q1 25 | 0.14× | 0.30× | ||
| Q4 24 | 0.14× | 0.31× | ||
| Q3 24 | 0.13× | 0.38× | ||
| 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 | — | $117.4M |
| 自由现金流经营现金流 - 资本支出 | — | $106.5M |
| 自由现金流率自由现金流/营收 | — | 19.6% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 1.95× |
| 过去12个月自由现金流最近4个季度 | — | $298.1M |
8季度趋势，按日历期对齐
经营现金流AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $117.4M | ||
| Q3 25 | $118.4M | $120.7M | ||
| Q2 25 | $490.3M | $109.4M | ||
| Q1 25 | $73.7M | $3.2M | ||
| Q4 24 | $162.5M | $105.3M | ||
| Q3 24 | $70.8M | $110.1M | ||
| Q2 24 | $305.5M | $74.9M |
自由现金流AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $106.5M | ||
| Q3 25 | $109.3M | $106.4M | ||
| Q2 25 | $436.1M | $95.0M | ||
| Q1 25 | $65.1M | $-9.7M | ||
| Q4 24 | $156.4M | $95.3M | ||
| Q3 24 | $53.0M | $97.3M | ||
| Q2 24 | $269.5M | $62.8M |
自由现金流率AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 19.6% | ||
| Q3 25 | 33.8% | 20.1% | ||
| Q2 25 | 135.7% | 18.5% | ||
| Q1 25 | 21.1% | -1.9% | ||
| Q4 24 | 50.8% | 19.8% | ||
| Q3 24 | 16.5% | 20.6% | ||
| Q2 24 | 92.6% | 14.0% |
资本支出强度AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 2.0% | ||
| Q3 25 | 2.8% | 2.7% | ||
| Q2 25 | 16.9% | 2.8% | ||
| Q1 25 | 2.8% | 2.6% | ||
| Q4 24 | 2.0% | 2.1% | ||
| Q3 24 | 5.5% | 2.7% | ||
| Q2 24 | 12.4% | 2.7% |
现金转化率AXEXLS
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 1.95× | ||
| Q3 25 | 1.05× | 2.08× | ||
| Q2 25 | 4.43× | 1.66× | ||
| Q1 25 | 0.70× | 0.05× | ||
| Q4 24 | 1.55× | 2.08× | ||
| Q3 24 | 0.63× | 2.08× | ||
| Q2 24 | 2.91× | 1.63× |
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% |
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
