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Axos Financial, Inc.（AX）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是Axos Financial, Inc.的1.3倍（$512.0M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs 30.9%，领先0.9%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 8.6%）
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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
AX vs FICO — 直观对比
营收规模更大
FICO
是对方的1.3倍
$392.2M
净利率更高
AX
高出0.9%
30.9%
两年增速更快
AX
近两年复合增速
8.6%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $512.0M |
| 净利润 | $124.7M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 31.8% | 30.9% |
| 营收同比 | — | 16.4% |
| 净利润同比 | 18.5% | 3.8% |
| 每股收益（稀释后） | $2.15 | $6.61 |
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AXFICO
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $512.0M | ||
| Q3 25 | $323.4M | $515.8M | ||
| Q2 25 | $321.4M | $536.4M | ||
| Q1 25 | $308.8M | $498.7M | ||
| Q4 24 | $307.9M | $440.0M | ||
| Q3 24 | $320.7M | $453.8M | ||
| Q2 24 | $290.9M | $447.8M |
净利润AXFICO
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $158.4M | ||
| Q3 25 | $112.4M | $155.0M | ||
| Q2 25 | $110.7M | $181.8M | ||
| Q1 25 | $105.2M | $162.6M | ||
| Q4 24 | $104.7M | $152.5M | ||
| Q3 24 | $112.3M | $135.7M | ||
| Q2 24 | $104.9M | $126.3M |
毛利率AXFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% |
营业利润率AXFICO
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 45.7% | ||
| Q3 25 | 46.3% | 46.0% | ||
| Q2 25 | 48.5% | 48.9% | ||
| Q1 25 | 47.9% | 49.3% | ||
| Q4 24 | 48.8% | 40.8% | ||
| Q3 24 | 49.6% | 43.4% | ||
| Q2 24 | 49.6% | 42.5% |
净利率AXFICO
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 30.9% | ||
| Q3 25 | 34.7% | 30.1% | ||
| Q2 25 | 34.4% | 33.9% | ||
| Q1 25 | 34.1% | 32.6% | ||
| Q4 24 | 34.0% | 34.7% | ||
| Q3 24 | 35.0% | 29.9% | ||
| Q2 24 | 36.0% | 28.2% |
每股收益（稀释后）AXFICO
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $6.61 | ||
| Q3 25 | $1.94 | $6.41 | ||
| Q2 25 | $1.89 | $7.40 | ||
| Q1 25 | $1.81 | $6.59 | ||
| Q4 24 | $1.80 | $6.14 | ||
| Q3 24 | $1.93 | $5.44 | ||
| Q2 24 | $1.75 | $5.05 |
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 | — | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $3.1B | $-1.8B |
| 总资产 | $29.2B | $1.9B |
| 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AXFICO
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $162.0M | ||
| Q3 25 | $2.6B | $134.1M | ||
| Q2 25 | $1.9B | $189.0M | ||
| Q1 25 | $2.0B | $146.6M | ||
| Q4 24 | $2.4B | $184.3M | ||
| Q3 24 | $2.6B | $150.7M | ||
| Q2 24 | $2.0B | $156.0M |
总债务AXFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $3.2B | ||
| Q3 25 | — | $3.1B | ||
| Q2 25 | $312.7M | $2.8B | ||
| Q1 25 | $377.4M | $2.5B | ||
| Q4 24 | $358.7M | $2.4B | ||
| Q3 24 | $313.5M | $2.2B | ||
| Q2 24 | $325.7M | $2.1B |
股东权益AXFICO
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $-1.8B | ||
| Q3 25 | $2.8B | $-1.7B | ||
| Q2 25 | $2.7B | $-1.4B | ||
| Q1 25 | $2.6B | $-1.1B | ||
| Q4 24 | $2.5B | $-1.1B | ||
| Q3 24 | $2.4B | $-962.7M | ||
| Q2 24 | $2.3B | $-829.3M |
总资产AXFICO
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.9B | ||
| Q3 25 | $27.4B | $1.9B | ||
| Q2 25 | $24.8B | $1.9B | ||
| Q1 25 | $24.0B | $1.8B | ||
| Q4 24 | $23.7B | $1.7B | ||
| Q3 24 | $23.6B | $1.7B | ||
| Q2 24 | $22.9B | $1.7B |
负债/权益比AXFICO
| 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 | — | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流AXFICO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $174.1M | ||
| Q3 25 | $118.4M | $223.7M | ||
| Q2 25 | $490.3M | $286.2M | ||
| Q1 25 | $73.7M | $74.9M | ||
| Q4 24 | $162.5M | $194.0M | ||
| Q3 24 | $70.8M | $226.5M | ||
| Q2 24 | $305.5M | $213.3M |
自由现金流AXFICO
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $173.9M | ||
| Q3 25 | $109.3M | $219.5M | ||
| Q2 25 | $436.1M | $284.4M | ||
| Q1 25 | $65.1M | $72.8M | ||
| Q4 24 | $156.4M | $193.2M | ||
| Q3 24 | $53.0M | $224.7M | ||
| Q2 24 | $269.5M | $211.6M |
自由现金流率AXFICO
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 34.0% | ||
| Q3 25 | 33.8% | 42.6% | ||
| Q2 25 | 135.7% | 53.0% | ||
| Q1 25 | 21.1% | 14.6% | ||
| Q4 24 | 50.8% | 43.9% | ||
| Q3 24 | 16.5% | 49.5% | ||
| Q2 24 | 92.6% | 47.2% |
资本支出强度AXFICO
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 0.0% | ||
| Q3 25 | 2.8% | 0.8% | ||
| Q2 25 | 16.9% | 0.3% | ||
| Q1 25 | 2.8% | 0.4% | ||
| Q4 24 | 2.0% | 0.2% | ||
| Q3 24 | 5.5% | 0.4% | ||
| Q2 24 | 12.4% | 0.4% |
现金转化率AXFICO
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 1.10× | ||
| Q3 25 | 1.05× | 1.44× | ||
| Q2 25 | 4.43× | 1.57× | ||
| Q1 25 | 0.70× | 0.46× | ||
| Q4 24 | 1.55× | 1.27× | ||
| Q3 24 | 0.63× | 1.67× | ||
| Q2 24 | 2.91× | 1.69× |
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% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
