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Axos Financial, Inc.（AX）与Installed Building Products, Inc.（IBP）财务数据对比。点击上方公司名可切换其他公司
Installed Building Products, Inc.的季度营收约是Axos Financial, Inc.的1.9倍（$747.5M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs 10.2%，领先21.5%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 3.9%）
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。
Installed Building Products, Inc.是美国领先的建筑产品安装服务商，主营绝缘材料、排水沟、车库门、消防系统及窗帘等产品的专业安装服务，覆盖住宅新建、翻新改造及商业建筑三大领域，业务遍及美国大部分地区。
AX vs IBP — 直观对比
营收规模更大
IBP
是对方的1.9倍
$392.2M
净利率更高
AX
高出21.5%
10.2%
两年增速更快
AX
近两年复合增速
3.9%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $747.5M |
| 净利润 | $124.7M | $76.6M |
| 毛利率 | — | 35.0% |
| 营业利润率 | — | 14.6% |
| 净利率 | 31.8% | 10.2% |
| 营收同比 | — | -0.4% |
| 净利润同比 | 18.5% | 14.5% |
| 每股收益（稀释后） | $2.15 | $2.81 |
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AXIBP
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $747.5M | ||
| Q3 25 | $323.4M | $778.2M | ||
| Q2 25 | $321.4M | $760.3M | ||
| Q1 25 | $308.8M | $684.8M | ||
| Q4 24 | $307.9M | $750.2M | ||
| Q3 24 | $320.7M | $760.6M | ||
| Q2 24 | $290.9M | $737.6M |
净利润AXIBP
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $76.6M | ||
| Q3 25 | $112.4M | $74.4M | ||
| Q2 25 | $110.7M | $69.0M | ||
| Q1 25 | $105.2M | $45.4M | ||
| Q4 24 | $104.7M | $66.9M | ||
| Q3 24 | $112.3M | $68.6M | ||
| Q2 24 | $104.9M | $65.2M |
毛利率AXIBP
| Q1 26 | — | — | ||
| Q4 25 | — | 35.0% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 34.2% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 33.8% | ||
| Q2 24 | — | 34.1% |
营业利润率AXIBP
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 14.6% | ||
| Q3 25 | 46.3% | 13.7% | ||
| Q2 25 | 48.5% | 13.3% | ||
| Q1 25 | 47.9% | 10.2% | ||
| Q4 24 | 48.8% | 13.1% | ||
| Q3 24 | 49.6% | 13.3% | ||
| Q2 24 | 49.6% | 12.9% |
净利率AXIBP
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 10.2% | ||
| Q3 25 | 34.7% | 9.6% | ||
| Q2 25 | 34.4% | 9.1% | ||
| Q1 25 | 34.1% | 6.6% | ||
| Q4 24 | 34.0% | 8.9% | ||
| Q3 24 | 35.0% | 9.0% | ||
| Q2 24 | 36.0% | 8.8% |
每股收益（稀释后）AXIBP
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $2.81 | ||
| Q3 25 | $1.94 | $2.74 | ||
| Q2 25 | $1.89 | $2.52 | ||
| Q1 25 | $1.81 | $1.64 | ||
| Q4 24 | $1.80 | $2.39 | ||
| Q3 24 | $1.93 | $2.44 | ||
| Q2 24 | $1.75 | $2.30 |
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 | — | $321.9M |
| 总债务越低越好 | — | $886.6M |
| 股东权益账面价值 | $3.1B | $709.9M |
| 总资产 | $29.2B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 1.25× |
8季度趋势，按日历期对齐
现金及短期投资AXIBP
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $321.9M | ||
| Q3 25 | $2.6B | $333.3M | ||
| Q2 25 | $1.9B | $305.2M | ||
| Q1 25 | $2.0B | $298.7M | ||
| Q4 24 | $2.4B | $327.6M | ||
| Q3 24 | $2.6B | $406.2M | ||
| Q2 24 | $2.0B | $380.3M |
总债务AXIBP
| Q1 26 | — | — | ||
| Q4 25 | — | $886.6M | ||
| Q3 25 | — | $880.8M | ||
| Q2 25 | $312.7M | $876.1M | ||
| Q1 25 | $377.4M | $872.4M | ||
| Q4 24 | $358.7M | $874.8M | ||
| Q3 24 | $313.5M | $872.3M | ||
| Q2 24 | $325.7M | $875.8M |
股东权益AXIBP
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $709.9M | ||
| Q3 25 | $2.8B | $678.6M | ||
| Q2 25 | $2.7B | $664.5M | ||
| Q1 25 | $2.6B | $660.9M | ||
| Q4 24 | $2.5B | $705.3M | ||
| Q3 24 | $2.4B | $716.4M | ||
| Q2 24 | $2.3B | $685.3M |
总资产AXIBP
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $2.1B | ||
| Q3 25 | $27.4B | $2.1B | ||
| Q2 25 | $24.8B | $2.0B | ||
| Q1 25 | $24.0B | $2.0B | ||
| Q4 24 | $23.7B | $2.1B | ||
| Q3 24 | $23.6B | $2.1B | ||
| Q2 24 | $22.9B | $2.0B |
负债/权益比AXIBP
| Q1 26 | — | — | ||
| Q4 25 | — | 1.25× | ||
| Q3 25 | — | 1.30× | ||
| Q2 25 | 0.12× | 1.32× | ||
| Q1 25 | 0.14× | 1.32× | ||
| Q4 24 | 0.14× | 1.24× | ||
| Q3 24 | 0.13× | 1.22× | ||
| Q2 24 | 0.14× | 1.28× |
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 | — | $64.9M |
| 自由现金流经营现金流 - 资本支出 | — | $49.3M |
| 自由现金流率自由现金流/营收 | — | 6.6% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | 0.85× |
| 过去12个月自由现金流最近4个季度 | — | $300.8M |
8季度趋势，按日历期对齐
经营现金流AXIBP
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $64.9M | ||
| Q3 25 | $118.4M | $124.0M | ||
| Q2 25 | $490.3M | $90.4M | ||
| Q1 25 | $73.7M | $92.1M | ||
| Q4 24 | $162.5M | $74.8M | ||
| Q3 24 | $70.8M | $101.4M | ||
| Q2 24 | $305.5M | $79.0M |
自由现金流AXIBP
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $49.3M | ||
| Q3 25 | $109.3M | $104.8M | ||
| Q2 25 | $436.1M | $74.8M | ||
| Q1 25 | $65.1M | $71.9M | ||
| Q4 24 | $156.4M | $52.9M | ||
| Q3 24 | $53.0M | $77.3M | ||
| Q2 24 | $269.5M | $58.2M |
自由现金流率AXIBP
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 6.6% | ||
| Q3 25 | 33.8% | 13.5% | ||
| Q2 25 | 135.7% | 9.8% | ||
| Q1 25 | 21.1% | 10.5% | ||
| Q4 24 | 50.8% | 7.1% | ||
| Q3 24 | 16.5% | 10.2% | ||
| Q2 24 | 92.6% | 7.9% |
资本支出强度AXIBP
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 2.1% | ||
| Q3 25 | 2.8% | 2.5% | ||
| Q2 25 | 16.9% | 2.1% | ||
| Q1 25 | 2.8% | 2.9% | ||
| Q4 24 | 2.0% | 2.9% | ||
| Q3 24 | 5.5% | 3.2% | ||
| Q2 24 | 12.4% | 2.8% |
现金转化率AXIBP
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 0.85× | ||
| Q3 25 | 1.05× | 1.67× | ||
| Q2 25 | 4.43× | 1.31× | ||
| Q1 25 | 0.70× | 2.03× | ||
| Q4 24 | 1.55× | 1.12× | ||
| Q3 24 | 0.63× | 1.48× | ||
| Q2 24 | 2.91× | 1.21× |
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% |
IBP
| Residential New Construction | $488.6M | 65% |
| Other Customer Installation | $67.8M | 9% |
| Shower Doors Shelving And Mirrors | $53.5M | 7% |
| Other Building Products | $47.7M | 6% |
| Fireproofing And Firestopping | $37.6M | 5% |
| Rain Gutters | $31.3M | 4% |
| Window Blinds | $18.0M | 2% |
| Related Party | $6.7M | 1% |
