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Axos Financial, Inc.（AX）与MONRO, INC.（MNRO）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MONRO, INC.的1.3倍（$392.2M vs $293.4M），Axos Financial, Inc.净利率更高（31.8% vs 3.8%，领先28.0%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
AX vs MNRO — 直观对比
营收规模更大
AX
是对方的1.3倍
$293.4M
净利率更高
AX
高出28.0%
3.8%
两年增速更快
AX
近两年复合增速
-2.7%
损益表 — Q3 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $293.4M |
| 净利润 | $124.7M | $11.1M |
| 毛利率 | — | 34.9% |
| 营业利润率 | — | 6.3% |
| 净利率 | 31.8% | 3.8% |
| 营收同比 | — | -4.0% |
| 净利润同比 | 18.5% | 143.1% |
| 每股收益（稀释后） | $2.15 | $0.35 |
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AXMNRO
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $293.4M | ||
| Q3 25 | $323.4M | $288.9M | ||
| Q2 25 | $321.4M | $301.0M | ||
| Q1 25 | $308.8M | $295.0M | ||
| Q4 24 | $307.9M | $305.8M | ||
| Q3 24 | $320.7M | $301.4M | ||
| Q2 24 | $290.9M | $293.2M |
净利润AXMNRO
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $11.1M | ||
| Q3 25 | $112.4M | $5.7M | ||
| Q2 25 | $110.7M | $-8.1M | ||
| Q1 25 | $105.2M | $-21.3M | ||
| Q4 24 | $104.7M | $4.6M | ||
| Q3 24 | $112.3M | $5.6M | ||
| Q2 24 | $104.9M | $5.9M |
毛利率AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% |
营业利润率AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 6.3% | ||
| Q3 25 | 46.3% | 4.4% | ||
| Q2 25 | 48.5% | -2.0% | ||
| Q1 25 | 47.9% | -8.1% | ||
| Q4 24 | 48.8% | 3.3% | ||
| Q3 24 | 49.6% | 4.4% | ||
| Q2 24 | 49.6% | 4.5% |
净利率AXMNRO
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 3.8% | ||
| Q3 25 | 34.7% | 2.0% | ||
| Q2 25 | 34.4% | -2.7% | ||
| Q1 25 | 34.1% | -7.2% | ||
| Q4 24 | 34.0% | 1.5% | ||
| Q3 24 | 35.0% | 1.9% | ||
| Q2 24 | 36.0% | 2.0% |
每股收益（稀释后）AXMNRO
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.35 | ||
| Q3 25 | $1.94 | $0.18 | ||
| Q2 25 | $1.89 | $-0.28 | ||
| Q1 25 | $1.81 | $-0.74 | ||
| Q4 24 | $1.80 | $0.15 | ||
| Q3 24 | $1.93 | $0.18 | ||
| Q2 24 | $1.75 | $0.19 |
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 | — | $4.9M |
| 总债务越低越好 | — | $45.0M |
| 股东权益账面价值 | $3.1B | $604.9M |
| 总资产 | $29.2B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $4.9M | ||
| Q3 25 | $2.6B | $10.5M | ||
| Q2 25 | $1.9B | $7.8M | ||
| Q1 25 | $2.0B | $20.8M | ||
| Q4 24 | $2.4B | $10.2M | ||
| Q3 24 | $2.6B | $20.9M | ||
| Q2 24 | $2.0B | $18.7M |
总债务AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | $45.0M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | $312.7M | $71.5M | ||
| Q1 25 | $377.4M | $61.3M | ||
| Q4 24 | $358.7M | $59.3M | ||
| Q3 24 | $313.5M | $62.0M | ||
| Q2 24 | $325.7M | $112.0M |
股东权益AXMNRO
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $604.9M | ||
| Q3 25 | $2.8B | $601.7M | ||
| Q2 25 | $2.7B | $604.9M | ||
| Q1 25 | $2.6B | $620.8M | ||
| Q4 24 | $2.5B | $648.9M | ||
| Q3 24 | $2.4B | $651.9M | ||
| Q2 24 | $2.3B | $654.4M |
总资产AXMNRO
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.6B | ||
| Q3 25 | $27.4B | $1.6B | ||
| Q2 25 | $24.8B | $1.6B | ||
| Q1 25 | $24.0B | $1.6B | ||
| Q4 24 | $23.7B | $1.7B | ||
| Q3 24 | $23.6B | $1.7B | ||
| Q2 24 | $22.9B | $1.7B |
负债/权益比AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.10× | ||
| Q2 25 | 0.12× | 0.12× | ||
| Q1 25 | 0.14× | 0.10× | ||
| Q4 24 | 0.14× | 0.09× | ||
| Q3 24 | 0.13× | 0.10× | ||
| Q2 24 | 0.14× | 0.17× |
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 | — | $17.8M |
| 自由现金流经营现金流 - 资本支出 | — | $9.1M |
| 自由现金流率自由现金流/营收 | — | 3.1% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | — | $49.6M |
8季度趋势，按日历期对齐
经营现金流AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $17.8M | ||
| Q3 25 | $118.4M | $32.3M | ||
| Q2 25 | $490.3M | $-1.9M | ||
| Q1 25 | $73.7M | $28.9M | ||
| Q4 24 | $162.5M | $14.8M | ||
| Q3 24 | $70.8M | $62.6M | ||
| Q2 24 | $305.5M | $25.6M |
自由现金流AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $9.1M | ||
| Q3 25 | $109.3M | $26.6M | ||
| Q2 25 | $436.1M | $-9.3M | ||
| Q1 25 | $65.1M | $23.2M | ||
| Q4 24 | $156.4M | $7.9M | ||
| Q3 24 | $53.0M | $57.6M | ||
| Q2 24 | $269.5M | $16.8M |
自由现金流率AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 3.1% | ||
| Q3 25 | 33.8% | 9.2% | ||
| Q2 25 | 135.7% | -3.1% | ||
| Q1 25 | 21.1% | 7.9% | ||
| Q4 24 | 50.8% | 2.6% | ||
| Q3 24 | 16.5% | 19.1% | ||
| Q2 24 | 92.6% | 5.7% |
资本支出强度AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 3.0% | ||
| Q3 25 | 2.8% | 2.0% | ||
| Q2 25 | 16.9% | 2.5% | ||
| Q1 25 | 2.8% | 1.9% | ||
| Q4 24 | 2.0% | 2.2% | ||
| Q3 24 | 5.5% | 1.6% | ||
| Q2 24 | 12.4% | 3.0% |
现金转化率AXMNRO
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 1.60× | ||
| Q3 25 | 1.05× | 5.71× | ||
| Q2 25 | 4.43× | — | ||
| Q1 25 | 0.70× | — | ||
| Q4 24 | 1.55× | 3.23× | ||
| Q3 24 | 0.63× | 11.08× | ||
| Q2 24 | 2.91× | 4.37× |
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% |
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
