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Axos Financial, Inc.（AX）与PROCORE TECHNOLOGIES, INC.（PCOR）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PROCORE TECHNOLOGIES, INC.的1.1倍（$392.2M vs $349.1M），Axos Financial, Inc.净利率更高（31.8% vs -10.8%，领先42.6%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 13.8%）
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。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
AX vs PCOR — 直观对比
营收规模更大
AX
是对方的1.1倍
$349.1M
净利率更高
AX
高出42.6%
-10.8%
两年增速更快
AX
近两年复合增速
13.8%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $349.1M |
| 净利润 | $124.7M | $-37.6M |
| 毛利率 | — | 80.1% |
| 营业利润率 | — | -12.3% |
| 净利率 | 31.8% | -10.8% |
| 营收同比 | — | 15.6% |
| 净利润同比 | 18.5% | 39.6% |
| 每股收益（稀释后） | $2.15 | $-0.25 |
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AXPCOR
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $349.1M | ||
| Q3 25 | $323.4M | $338.9M | ||
| Q2 25 | $321.4M | $323.9M | ||
| Q1 25 | $308.8M | $310.6M | ||
| Q4 24 | $307.9M | $302.0M | ||
| Q3 24 | $320.7M | $295.9M | ||
| Q2 24 | $290.9M | $284.3M |
净利润AXPCOR
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $-37.6M | ||
| Q3 25 | $112.4M | $-9.1M | ||
| Q2 25 | $110.7M | $-21.1M | ||
| Q1 25 | $105.2M | $-33.0M | ||
| Q4 24 | $104.7M | $-62.3M | ||
| Q3 24 | $112.3M | $-26.4M | ||
| Q2 24 | $104.9M | $-6.3M |
毛利率AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% |
营业利润率AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | -12.3% | ||
| Q3 25 | 46.3% | -4.4% | ||
| Q2 25 | 48.5% | -9.3% | ||
| Q1 25 | 47.9% | -11.7% | ||
| Q4 24 | 48.8% | -21.9% | ||
| Q3 24 | 49.6% | -12.3% | ||
| Q2 24 | 49.6% | -5.2% |
净利率AXPCOR
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | -10.8% | ||
| Q3 25 | 34.7% | -2.7% | ||
| Q2 25 | 34.4% | -6.5% | ||
| Q1 25 | 34.1% | -10.6% | ||
| Q4 24 | 34.0% | -20.6% | ||
| Q3 24 | 35.0% | -8.9% | ||
| Q2 24 | 36.0% | -2.2% |
每股收益（稀释后）AXPCOR
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $-0.25 | ||
| Q3 25 | $1.94 | $-0.06 | ||
| Q2 25 | $1.89 | $-0.14 | ||
| Q1 25 | $1.81 | $-0.22 | ||
| Q4 24 | $1.80 | $-0.42 | ||
| Q3 24 | $1.93 | $-0.18 | ||
| Q2 24 | $1.75 | $-0.04 |
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 | — | $768.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.1B | $1.3B |
| 总资产 | $29.2B | $2.2B |
| 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AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $768.5M | ||
| Q3 25 | $2.6B | $684.0M | ||
| Q2 25 | $1.9B | $620.9M | ||
| Q1 25 | $2.0B | $566.7M | ||
| Q4 24 | $2.4B | $775.4M | ||
| Q3 24 | $2.6B | $756.9M | ||
| Q2 24 | $2.0B | $735.4M |
总债务AXPCOR
| 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AXPCOR
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $1.3B | ||
| Q3 25 | $2.8B | $1.2B | ||
| Q2 25 | $2.7B | $1.2B | ||
| Q1 25 | $2.6B | $1.2B | ||
| Q4 24 | $2.5B | $1.3B | ||
| Q3 24 | $2.4B | $1.3B | ||
| Q2 24 | $2.3B | $1.3B |
总资产AXPCOR
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $2.2B | ||
| Q3 25 | $27.4B | $2.1B | ||
| Q2 25 | $24.8B | $2.0B | ||
| Q1 25 | $24.0B | $1.9B | ||
| Q4 24 | $23.7B | $2.1B | ||
| Q3 24 | $23.6B | $2.0B | ||
| Q2 24 | $22.9B | $2.0B |
负债/权益比AXPCOR
| 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 | — | $114.9M |
| 自由现金流经营现金流 - 资本支出 | — | $109.2M |
| 自由现金流率自由现金流/营收 | — | 31.3% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $282.2M |
8季度趋势，按日历期对齐
经营现金流AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $114.9M | ||
| Q3 25 | $118.4M | $88.5M | ||
| Q2 25 | $490.3M | $30.8M | ||
| Q1 25 | $73.7M | $66.0M | ||
| Q4 24 | $162.5M | $29.1M | ||
| Q3 24 | $70.8M | $39.3M | ||
| Q2 24 | $305.5M | $58.7M |
自由现金流AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $109.2M | ||
| Q3 25 | $109.3M | $83.1M | ||
| Q2 25 | $436.1M | $27.9M | ||
| Q1 25 | $65.1M | $62.0M | ||
| Q4 24 | $156.4M | $17.4M | ||
| Q3 24 | $53.0M | $35.7M | ||
| Q2 24 | $269.5M | $56.8M |
自由现金流率AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 31.3% | ||
| Q3 25 | 33.8% | 24.5% | ||
| Q2 25 | 135.7% | 8.6% | ||
| Q1 25 | 21.1% | 20.0% | ||
| Q4 24 | 50.8% | 5.8% | ||
| Q3 24 | 16.5% | 12.1% | ||
| Q2 24 | 92.6% | 20.0% |
资本支出强度AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 1.6% | ||
| Q3 25 | 2.8% | 1.6% | ||
| Q2 25 | 16.9% | 0.9% | ||
| Q1 25 | 2.8% | 1.3% | ||
| Q4 24 | 2.0% | 3.9% | ||
| Q3 24 | 5.5% | 1.2% | ||
| Q2 24 | 12.4% | 0.7% |
现金转化率AXPCOR
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | — | ||
| 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% |
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
