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Axos Financial, Inc.（AX）与Stride, Inc.（LRN）财务数据对比。点击上方公司名可切换其他公司
Stride, Inc.的季度营收约是Axos Financial, Inc.的1.6倍（$629.9M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs 14.1%，领先17.7%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 6.9%）
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。
Stride, Inc.是一家营利性教育机构，主营在线及混合式教育项目。作为教育管理机构，其为K12阶段公立学校学生提供替代传统线下教学的在线教育方案，同时也开设职业学习课程。截至2012年，这家上市企业是全球招生规模最大的教育管理机构。
AX vs LRN — 直观对比
营收规模更大
LRN
是对方的1.6倍
$392.2M
净利率更高
AX
高出17.7%
14.1%
两年增速更快
AX
近两年复合增速
6.9%
损益表 — Q3 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $629.9M |
| 净利润 | $124.7M | $88.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 20.5% |
| 净利率 | 31.8% | 14.1% |
| 营收同比 | — | 2.7% |
| 净利润同比 | 18.5% | 8.5% |
| 每股收益（稀释后） | $2.15 | $1.93 |
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AXLRN
| Q3 26 | — | $629.9M | ||
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $631.3M | ||
| Q3 25 | $323.4M | $620.9M | ||
| Q2 25 | $321.4M | $653.6M | ||
| Q1 25 | $308.8M | $613.4M | ||
| Q4 24 | $307.9M | $587.2M | ||
| Q3 24 | $320.7M | $551.1M |
净利润AXLRN
| Q3 26 | — | $88.5M | ||
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $99.5M | ||
| Q3 25 | $112.4M | $68.8M | ||
| Q2 25 | $110.7M | $51.3M | ||
| Q1 25 | $105.2M | $99.3M | ||
| Q4 24 | $104.7M | $96.4M | ||
| Q3 24 | $112.3M | $40.9M |
毛利率AXLRN
| Q3 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | 41.1% | ||
| Q3 25 | — | 39.0% | ||
| Q2 25 | — | 36.6% | ||
| Q1 25 | — | 40.6% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 39.2% |
营业利润率AXLRN
| Q3 26 | — | 20.5% | ||
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 23.3% | ||
| Q3 25 | 46.3% | 11.1% | ||
| Q2 25 | 48.5% | 8.7% | ||
| Q1 25 | 47.9% | 21.3% | ||
| Q4 24 | 48.8% | 21.3% | ||
| Q3 24 | 49.6% | 8.6% |
净利率AXLRN
| Q3 26 | — | 14.1% | ||
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 15.8% | ||
| Q3 25 | 34.7% | 11.1% | ||
| Q2 25 | 34.4% | 7.9% | ||
| Q1 25 | 34.1% | 16.2% | ||
| Q4 24 | 34.0% | 16.4% | ||
| Q3 24 | 35.0% | 7.4% |
每股收益（稀释后）AXLRN
| Q3 26 | — | $1.93 | ||
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $2.12 | ||
| Q3 25 | $1.94 | $1.40 | ||
| Q2 25 | $1.89 | $0.96 | ||
| Q1 25 | $1.81 | $2.02 | ||
| Q4 24 | $1.80 | $2.03 | ||
| Q3 24 | $1.93 | $0.94 |
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 | — | $614.0M |
| 总债务越低越好 | — | $417.6M |
| 股东权益账面价值 | $3.1B | $1.6B |
| 总资产 | $29.2B | $2.4B |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资AXLRN
| Q3 26 | — | $614.0M | ||
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $625.7M | ||
| Q3 25 | $2.6B | $715.1M | ||
| Q2 25 | $1.9B | $985.3M | ||
| Q1 25 | $2.0B | $723.7M | ||
| Q4 24 | $2.4B | $717.5M | ||
| Q3 24 | $2.6B | $522.2M |
总债务AXLRN
| Q3 26 | — | $417.6M | ||
| Q1 26 | — | — | ||
| Q4 25 | — | $417.2M | ||
| Q3 25 | — | $416.8M | ||
| Q2 25 | $312.7M | $416.3M | ||
| Q1 25 | $377.4M | $415.9M | ||
| Q4 24 | $358.7M | $415.5M | ||
| Q3 24 | $313.5M | $415.1M |
股东权益AXLRN
| Q3 26 | — | $1.6B | ||
| 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 | $1.3B | ||
| Q3 24 | $2.4B | $1.2B |
总资产AXLRN
| Q3 26 | — | $2.4B | ||
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $2.3B | ||
| Q3 25 | $27.4B | $2.3B | ||
| Q2 25 | $24.8B | $2.3B | ||
| Q1 25 | $24.0B | $2.2B | ||
| Q4 24 | $23.7B | $2.1B | ||
| Q3 24 | $23.6B | $2.0B |
负债/权益比AXLRN
| Q3 26 | — | 0.25× | ||
| Q1 26 | — | — | ||
| Q4 25 | — | 0.27× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | 0.12× | 0.28× | ||
| Q1 25 | 0.14× | 0.29× | ||
| Q4 24 | 0.14× | 0.32× | ||
| Q3 24 | 0.13× | 0.34× |
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 | — | $117.0M |
| 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 | — | 1.32× |
| 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AXLRN
| Q3 26 | — | $117.0M | ||
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $91.8M | ||
| Q3 25 | $118.4M | $-195.8M | ||
| Q2 25 | $490.3M | $298.3M | ||
| Q1 25 | $73.7M | $53.1M | ||
| Q4 24 | $162.5M | $223.4M | ||
| Q3 24 | $70.8M | $-142.0M |
自由现金流AXLRN
| Q3 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $91.6M | ||
| Q3 25 | $109.3M | $-196.1M | ||
| Q2 25 | $436.1M | $297.9M | ||
| Q1 25 | $65.1M | $52.9M | ||
| Q4 24 | $156.4M | $222.9M | ||
| Q3 24 | $53.0M | $-142.7M |
自由现金流率AXLRN
| Q3 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 14.5% | ||
| Q3 25 | 33.8% | -31.6% | ||
| Q2 25 | 135.7% | 45.6% | ||
| Q1 25 | 21.1% | 8.6% | ||
| Q4 24 | 50.8% | 38.0% | ||
| Q3 24 | 16.5% | -25.9% |
资本支出强度AXLRN
| Q3 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 0.0% | ||
| Q3 25 | 2.8% | 0.0% | ||
| Q2 25 | 16.9% | 0.1% | ||
| Q1 25 | 2.8% | 0.0% | ||
| Q4 24 | 2.0% | 0.1% | ||
| Q3 24 | 5.5% | 0.1% |
现金转化率AXLRN
| Q3 26 | — | 1.32× | ||
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 0.92× | ||
| Q3 25 | 1.05× | -2.85× | ||
| Q2 25 | 4.43× | 5.81× | ||
| Q1 25 | 0.70× | 0.53× | ||
| Q4 24 | 1.55× | 2.32× | ||
| Q3 24 | 0.63× | -3.47× |
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% |
LRN
| General Education | $357.5M | 57% |
| Middle - High School | $259.5M | 41% |
| Adult | $12.9M | 2% |
