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Axos Financial, Inc.（AX）与H2O AMERICA（HTO）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H2O AMERICA的2.0倍（$392.2M vs $199.4M），Axos Financial, Inc.净利率更高（31.8% vs 8.1%，领先23.7%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 15.3%）
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。
H2O Wireless是美国的预付费移动通信服务商，依托AT&T网络运营，隶属于MVNO（移动虚拟网络运营商）Locus通信，自2019年起Locus成为Telrite控股的子公司，此前2010年起曾是KDDI美国旗下资产。该品牌主打无限制套餐服务，支持用户自带或购买无锁智能手机入网，AT&T合约机/锁网机也可兼容使用。
AX vs HTO — 直观对比
营收规模更大
AX
是对方的2.0倍
$199.4M
净利率更高
AX
高出23.7%
8.1%
两年增速更快
AX
近两年复合增速
15.3%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $199.4M |
| 净利润 | $124.7M | $16.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 16.6% |
| 净利率 | 31.8% | 8.1% |
| 营收同比 | — | 1.5% |
| 净利润同比 | 18.5% | -29.2% |
| 每股收益（稀释后） | $2.15 | $0.45 |
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AXHTO
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $199.4M | ||
| Q3 25 | $323.4M | $243.5M | ||
| Q2 25 | $321.4M | $197.8M | ||
| Q1 25 | $308.8M | $164.9M | ||
| Q4 24 | $307.9M | $196.5M | ||
| Q3 24 | $320.7M | $216.7M | ||
| Q2 24 | $290.9M | $173.1M |
净利润AXHTO
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $16.2M | ||
| Q3 25 | $112.4M | $45.1M | ||
| Q2 25 | $110.7M | $24.7M | ||
| Q1 25 | $105.2M | $16.6M | ||
| Q4 24 | $104.7M | $22.9M | ||
| Q3 24 | $112.3M | $38.7M | ||
| Q2 24 | $104.9M | $20.7M |
营业利润率AXHTO
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 16.6% | ||
| Q3 25 | 46.3% | 26.5% | ||
| Q2 25 | 48.5% | 22.2% | ||
| Q1 25 | 47.9% | 21.8% | ||
| Q4 24 | 48.8% | 22.2% | ||
| Q3 24 | 49.6% | 26.9% | ||
| Q2 24 | 49.6% | 23.4% |
净利率AXHTO
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 8.1% | ||
| Q3 25 | 34.7% | 18.5% | ||
| Q2 25 | 34.4% | 12.5% | ||
| Q1 25 | 34.1% | 10.0% | ||
| Q4 24 | 34.0% | 11.7% | ||
| Q3 24 | 35.0% | 17.8% | ||
| Q2 24 | 36.0% | 12.0% |
每股收益（稀释后）AXHTO
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.45 | ||
| Q3 25 | $1.94 | $1.27 | ||
| Q2 25 | $1.89 | $0.71 | ||
| Q1 25 | $1.81 | $0.49 | ||
| Q4 24 | $1.80 | $0.70 | ||
| Q3 24 | $1.93 | $1.17 | ||
| Q2 24 | $1.75 | $0.64 |
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 | — | $20.7M |
| 总债务越低越好 | — | $1.9B |
| 股东权益账面价值 | $3.1B | $1.5B |
| 总资产 | $29.2B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 1.23× |
8季度趋势，按日历期对齐
现金及短期投资AXHTO
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $20.7M | ||
| Q3 25 | $2.6B | $11.3M | ||
| Q2 25 | $1.9B | $19.8M | ||
| Q1 25 | $2.0B | $23.7M | ||
| Q4 24 | $2.4B | $11.1M | ||
| Q3 24 | $2.6B | $4.0M | ||
| Q2 24 | $2.0B | $22.8M |
总债务AXHTO
| Q1 26 | — | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | $312.7M | — | ||
| Q1 25 | $377.4M | — | ||
| Q4 24 | $358.7M | $1.7B | ||
| Q3 24 | $313.5M | — | ||
| Q2 24 | $325.7M | — |
股东权益AXHTO
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $1.5B | ||
| Q3 25 | $2.8B | $1.5B | ||
| Q2 25 | $2.7B | $1.5B | ||
| Q1 25 | $2.6B | $1.4B | ||
| Q4 24 | $2.5B | $1.4B | ||
| Q3 24 | $2.4B | $1.3B | ||
| Q2 24 | $2.3B | $1.3B |
总资产AXHTO
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $5.1B | ||
| Q3 25 | $27.4B | $5.0B | ||
| Q2 25 | $24.8B | $4.8B | ||
| Q1 25 | $24.0B | $4.7B | ||
| Q4 24 | $23.7B | $4.7B | ||
| Q3 24 | $23.6B | $4.6B | ||
| Q2 24 | $22.9B | $4.4B |
负债/权益比AXHTO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | 1.26× | ||
| 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 | — | $63.5M |
| 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 | — | 3.92× |
| 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AXHTO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $63.5M | ||
| Q3 25 | $118.4M | $77.3M | ||
| Q2 25 | $490.3M | $60.8M | ||
| Q1 25 | $73.7M | $43.2M | ||
| Q4 24 | $162.5M | $41.5M | ||
| Q3 24 | $70.8M | $53.5M | ||
| Q2 24 | $305.5M | $49.3M |
自由现金流AXHTO
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | — | ||
| Q3 25 | $109.3M | — | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $65.1M | — | ||
| Q4 24 | $156.4M | — | ||
| Q3 24 | $53.0M | — | ||
| Q2 24 | $269.5M | — |
自由现金流率AXHTO
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 33.8% | — | ||
| Q2 25 | 135.7% | — | ||
| Q1 25 | 21.1% | — | ||
| Q4 24 | 50.8% | — | ||
| Q3 24 | 16.5% | — | ||
| Q2 24 | 92.6% | — |
资本支出强度AXHTO
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | 16.9% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 5.5% | — | ||
| Q2 24 | 12.4% | — |
现金转化率AXHTO
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 3.92× | ||
| Q3 25 | 1.05× | 1.71× | ||
| Q2 25 | 4.43× | 2.47× | ||
| Q1 25 | 0.70× | 2.61× | ||
| Q4 24 | 1.55× | 1.81× | ||
| Q3 24 | 0.63× | 1.39× | ||
| Q2 24 | 2.91× | 2.38× |
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% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
