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Axos Financial, Inc.（AX）与LEGALZOOM.COM, INC.（LZ）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LEGALZOOM.COM, INC.的1.9倍（$392.2M vs $206.8M），Axos Financial, Inc.净利率更高（31.8% vs 0.5%，领先31.3%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 8.0%）
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。
LegalZoom是2001年成立的美国在线法律科技与服务企业，依托独立律师网络、旗下自营律所，结合自助服务技术与专属顾问，为用户提供线上法律服务。核心业务涵盖遗嘱、生前信托设立，营业执照、许可证办理等商事合规服务，以及版权登记、商标申请，同时还提供律师推荐等相关配套服务。
AX vs LZ — 直观对比
营收规模更大
AX
是对方的1.9倍
$206.8M
净利率更高
AX
高出31.3%
0.5%
两年增速更快
AX
近两年复合增速
8.0%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $206.8M |
| 净利润 | $124.7M | $1.1M |
| 毛利率 | — | 64.0% |
| 营业利润率 | — | 1.3% |
| 净利率 | 31.8% | 0.5% |
| 营收同比 | — | 12.9% |
| 净利润同比 | 18.5% | -78.5% |
| 每股收益（稀释后） | $2.15 | $0.01 |
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AXLZ
| Q1 26 | $392.2M | $206.8M | ||
| Q4 25 | $385.1M | $190.3M | ||
| Q3 25 | $323.4M | $190.2M | ||
| Q2 25 | $321.4M | $192.5M | ||
| Q1 25 | $308.8M | $183.1M | ||
| Q4 24 | $307.9M | $161.7M | ||
| Q3 24 | $320.7M | $168.6M | ||
| Q2 24 | $290.9M | $177.4M |
净利润AXLZ
| Q1 26 | $124.7M | $1.1M | ||
| Q4 25 | $128.4M | $6.1M | ||
| Q3 25 | $112.4M | $4.5M | ||
| Q2 25 | $110.7M | $-266.0K | ||
| Q1 25 | $105.2M | $5.1M | ||
| Q4 24 | $104.7M | $12.9M | ||
| Q3 24 | $112.3M | $11.1M | ||
| Q2 24 | $104.9M | $1.3M |
毛利率AXLZ
| Q1 26 | — | 64.0% | ||
| Q4 25 | — | 67.6% | ||
| Q3 25 | — | 67.3% | ||
| Q2 25 | — | 65.0% | ||
| Q1 25 | — | 63.7% | ||
| Q4 24 | — | 67.0% | ||
| Q3 24 | — | 67.5% | ||
| Q2 24 | — | 64.1% |
营业利润率AXLZ
| Q1 26 | — | 1.3% | ||
| Q4 25 | 45.6% | 6.6% | ||
| Q3 25 | 46.3% | 3.4% | ||
| Q2 25 | 48.5% | -1.6% | ||
| Q1 25 | 47.9% | 4.9% | ||
| Q4 24 | 48.8% | 8.1% | ||
| Q3 24 | 49.6% | 9.6% | ||
| Q2 24 | 49.6% | 0.6% |
净利率AXLZ
| Q1 26 | 31.8% | 0.5% | ||
| Q4 25 | 33.3% | 3.2% | ||
| Q3 25 | 34.7% | 2.4% | ||
| Q2 25 | 34.4% | -0.1% | ||
| Q1 25 | 34.1% | 2.8% | ||
| Q4 24 | 34.0% | 7.9% | ||
| Q3 24 | 35.0% | 6.6% | ||
| Q2 24 | 36.0% | 0.7% |
每股收益（稀释后）AXLZ
| Q1 26 | $2.15 | $0.01 | ||
| Q4 25 | $2.22 | $0.03 | ||
| Q3 25 | $1.94 | $0.02 | ||
| Q2 25 | $1.89 | $0.00 | ||
| Q1 25 | $1.81 | $0.03 | ||
| Q4 24 | $1.80 | $0.07 | ||
| Q3 24 | $1.93 | $0.06 | ||
| Q2 24 | $1.75 | $0.01 |
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 | — | $183.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.1B | $146.9M |
| 总资产 | $29.2B | $491.9M |
| 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AXLZ
| Q1 26 | — | $183.2M | ||
| Q4 25 | $1.0B | $203.1M | ||
| Q3 25 | $2.6B | $237.2M | ||
| Q2 25 | $1.9B | $217.0M | ||
| Q1 25 | $2.0B | $210.0M | ||
| Q4 24 | $2.4B | $142.1M | ||
| Q3 24 | $2.6B | $112.5M | ||
| Q2 24 | $2.0B | $118.8M |
总债务AXLZ
| 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AXLZ
| Q1 26 | $3.1B | $146.9M | ||
| Q4 25 | $2.9B | $171.9M | ||
| Q3 25 | $2.8B | $201.9M | ||
| Q2 25 | $2.7B | $194.1M | ||
| Q1 25 | $2.6B | $187.2M | ||
| Q4 24 | $2.5B | $93.3M | ||
| Q3 24 | $2.4B | $60.1M | ||
| Q2 24 | $2.3B | $60.8M |
总资产AXLZ
| Q1 26 | $29.2B | $491.9M | ||
| Q4 25 | $28.2B | $511.5M | ||
| Q3 25 | $27.4B | $551.1M | ||
| Q2 25 | $24.8B | $543.0M | ||
| Q1 25 | $24.0B | $532.7M | ||
| Q4 24 | $23.7B | $373.9M | ||
| Q3 24 | $23.6B | $348.8M | ||
| Q2 24 | $22.9B | $359.5M |
负债/权益比AXLZ
| 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 | — | $47.3M |
| 自由现金流经营现金流 - 资本支出 | — | $41.0M |
| 自由现金流率自由现金流/营收 | — | 19.8% |
| 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 | — | 42.83× |
| 过去12个月自由现金流最近4个季度 | — | $147.6M |
8季度趋势，按日历期对齐
经营现金流AXLZ
| Q1 26 | — | $47.3M | ||
| Q4 25 | $104.1M | $34.1M | ||
| Q3 25 | $118.4M | $54.2M | ||
| Q2 25 | $490.3M | $39.1M | ||
| Q1 25 | $73.7M | $50.7M | ||
| Q4 24 | $162.5M | $42.6M | ||
| Q3 24 | $70.8M | $31.6M | ||
| Q2 24 | $305.5M | $27.2M |
自由现金流AXLZ
| Q1 26 | — | $41.0M | ||
| Q4 25 | $85.4M | $28.0M | ||
| Q3 25 | $109.3M | $47.0M | ||
| Q2 25 | $436.1M | $31.6M | ||
| Q1 25 | $65.1M | $41.3M | ||
| Q4 24 | $156.4M | $35.9M | ||
| Q3 24 | $53.0M | $22.0M | ||
| Q2 24 | $269.5M | $17.4M |
自由现金流率AXLZ
| Q1 26 | — | 19.8% | ||
| Q4 25 | 22.2% | 14.7% | ||
| Q3 25 | 33.8% | 24.7% | ||
| Q2 25 | 135.7% | 16.4% | ||
| Q1 25 | 21.1% | 22.6% | ||
| Q4 24 | 50.8% | 22.2% | ||
| Q3 24 | 16.5% | 13.0% | ||
| Q2 24 | 92.6% | 9.8% |
资本支出强度AXLZ
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 3.2% | ||
| Q3 25 | 2.8% | 3.8% | ||
| Q2 25 | 16.9% | 3.9% | ||
| Q1 25 | 2.8% | 5.1% | ||
| Q4 24 | 2.0% | 4.1% | ||
| Q3 24 | 5.5% | 5.7% | ||
| Q2 24 | 12.4% | 5.6% |
现金转化率AXLZ
| Q1 26 | — | 42.83× | ||
| Q4 25 | 0.81× | 5.63× | ||
| Q3 25 | 1.05× | 12.03× | ||
| Q2 25 | 4.43× | — | ||
| Q1 25 | 0.70× | 9.89× | ||
| Q4 24 | 1.55× | 3.31× | ||
| Q3 24 | 0.63× | 2.86× | ||
| Q2 24 | 2.91× | 20.74× |
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% |
LZ
| Subscription | $130.2M | 63% |
| Transaction | $76.6M | 37% |
