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Axos Financial, Inc.（AX）与iRhythm Holdings, Inc.（IRTC）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iRhythm Holdings, Inc.的1.9倍（$392.2M vs $208.9M），Axos Financial, Inc.净利率更高（31.8% vs 2.7%，领先29.1%），过去两年iRhythm Holdings, Inc.的营收复合增速更高（25.8% vs 16.1%）
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。
iRhythm Holdings是一家专注于心脏护理领域的数字医疗企业，开发可穿戴动态心脏监测设备及配套AI分析工具，主要服务美国市场的医疗机构与患者，帮助检测房颤等心律异常病症，为临床诊断提供可靠的数据支持。
AX vs IRTC — 直观对比
营收规模更大
AX
是对方的1.9倍
$208.9M
净利率更高
AX
高出29.1%
2.7%
两年增速更快
IRTC
近两年复合增速
16.1%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $208.9M |
| 净利润 | $124.7M | $5.6M |
| 毛利率 | — | 70.9% |
| 营业利润率 | — | 1.1% |
| 净利率 | 31.8% | 2.7% |
| 营收同比 | — | 27.1% |
| 净利润同比 | 18.5% | 518.5% |
| 每股收益（稀释后） | $2.15 | $0.18 |
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AXIRTC
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $208.9M | ||
| Q3 25 | $323.4M | $192.9M | ||
| Q2 25 | $321.4M | $186.7M | ||
| Q1 25 | $308.8M | $158.7M | ||
| Q4 24 | $307.9M | $164.3M | ||
| Q3 24 | $320.7M | $147.5M | ||
| Q2 24 | $290.9M | $148.0M |
净利润AXIRTC
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $5.6M | ||
| Q3 25 | $112.4M | $-5.2M | ||
| Q2 25 | $110.7M | $-14.2M | ||
| Q1 25 | $105.2M | $-30.7M | ||
| Q4 24 | $104.7M | $-1.3M | ||
| Q3 24 | $112.3M | $-46.2M | ||
| Q2 24 | $104.9M | $-20.1M |
毛利率AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | — | 70.9% | ||
| Q3 25 | — | 71.1% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 68.8% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | — | 68.8% | ||
| Q2 24 | — | 69.9% |
营业利润率AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 1.1% | ||
| Q3 25 | 46.3% | -4.4% | ||
| Q2 25 | 48.5% | -10.0% | ||
| Q1 25 | 47.9% | -20.5% | ||
| Q4 24 | 48.8% | -2.5% | ||
| Q3 24 | 49.6% | -34.1% | ||
| Q2 24 | 49.6% | -15.5% |
净利率AXIRTC
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 2.7% | ||
| Q3 25 | 34.7% | -2.7% | ||
| Q2 25 | 34.4% | -7.6% | ||
| Q1 25 | 34.1% | -19.3% | ||
| Q4 24 | 34.0% | -0.8% | ||
| Q3 24 | 35.0% | -31.3% | ||
| Q2 24 | 36.0% | -13.6% |
每股收益（稀释后）AXIRTC
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.18 | ||
| Q3 25 | $1.94 | $-0.16 | ||
| Q2 25 | $1.89 | $-0.44 | ||
| Q1 25 | $1.81 | $-0.97 | ||
| Q4 24 | $1.80 | $-0.03 | ||
| Q3 24 | $1.93 | $-1.48 | ||
| Q2 24 | $1.75 | $-0.65 |
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 | — | $583.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.1B | $152.7M |
| 总资产 | $29.2B | $1.0B |
| 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AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $583.8M | ||
| Q3 25 | $2.6B | $565.2M | ||
| Q2 25 | $1.9B | $545.5M | ||
| Q1 25 | $2.0B | $520.6M | ||
| Q4 24 | $2.4B | $535.6M | ||
| Q3 24 | $2.6B | $522.0M | ||
| Q2 24 | $2.0B | $561.5M |
总债务AXIRTC
| 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AXIRTC
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $152.7M | ||
| Q3 25 | $2.8B | $121.9M | ||
| Q2 25 | $2.7B | $103.7M | ||
| Q1 25 | $2.6B | $86.7M | ||
| Q4 24 | $2.5B | $90.9M | ||
| Q3 24 | $2.4B | $71.8M | ||
| Q2 24 | $2.3B | $99.2M |
总资产AXIRTC
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.0B | ||
| Q3 25 | $27.4B | $995.2M | ||
| Q2 25 | $24.8B | $964.0M | ||
| Q1 25 | $24.0B | $926.1M | ||
| Q4 24 | $23.7B | $931.4M | ||
| Q3 24 | $23.6B | $909.7M | ||
| Q2 24 | $22.9B | $919.2M |
负债/权益比AXIRTC
| 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 | — | $26.2M |
| 自由现金流经营现金流 - 资本支出 | — | $14.5M |
| 自由现金流率自由现金流/营收 | — | 6.9% |
| 资本支出强度资本支出/营收 | — | 5.6% |
| 现金转化率经营现金流/净利润 | — | 4.70× |
| 过去12个月自由现金流最近4个季度 | — | $34.5M |
8季度趋势，按日历期对齐
经营现金流AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $26.2M | ||
| Q3 25 | $118.4M | $34.9M | ||
| Q2 25 | $490.3M | $27.7M | ||
| Q1 25 | $73.7M | $-7.9M | ||
| Q4 24 | $162.5M | $19.2M | ||
| Q3 24 | $70.8M | $24.3M | ||
| Q2 24 | $305.5M | $11.8M |
自由现金流AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $14.5M | ||
| Q3 25 | $109.3M | $20.1M | ||
| Q2 25 | $436.1M | $17.3M | ||
| Q1 25 | $65.1M | $-17.3M | ||
| Q4 24 | $156.4M | $12.4M | ||
| Q3 24 | $53.0M | $15.5M | ||
| Q2 24 | $269.5M | $3.4M |
自由现金流率AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 6.9% | ||
| Q3 25 | 33.8% | 10.4% | ||
| Q2 25 | 135.7% | 9.3% | ||
| Q1 25 | 21.1% | -10.9% | ||
| Q4 24 | 50.8% | 7.5% | ||
| Q3 24 | 16.5% | 10.5% | ||
| Q2 24 | 92.6% | 2.3% |
资本支出强度AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 5.6% | ||
| Q3 25 | 2.8% | 7.7% | ||
| Q2 25 | 16.9% | 5.6% | ||
| Q1 25 | 2.8% | 5.9% | ||
| Q4 24 | 2.0% | 4.2% | ||
| Q3 24 | 5.5% | 6.0% | ||
| Q2 24 | 12.4% | 5.7% |
现金转化率AXIRTC
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 4.70× | ||
| Q3 25 | 1.05× | — | ||
| Q2 25 | 4.43× | — | ||
| Q1 25 | 0.70× | — | ||
| Q4 24 | 1.55× | — | ||
| Q3 24 | 0.63× | — | ||
| Q2 24 | 2.91× | — |
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% |
IRTC
| Commercial Payors | $111.7M | 53% |
| Centers For Medicare And Medicaid | $49.2M | 24% |
| Healthcare Institutions | $34.3M | 16% |
| Non Contracted Third Party Payors | $13.7M | 7% |
