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Axos Financial, Inc.（AX）与Penumbra Inc（PEN）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Penumbra Inc的1.0倍（$392.2M vs $385.4M），Axos Financial, Inc.净利率更高（31.8% vs 12.3%，领先19.5%），过去两年Penumbra Inc的营收复合增速更高（17.6% 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。
Penumbra Inc是2004年由Arani Bose与Adam Elsesser联合创立的美国医疗器械企业，总部位于加利福尼亚州阿拉米达，核心业务为研发、生产中风、动脉瘤等血管疾病介入治疗所用的专业医疗设备，产品已在全球多个国家的临床诊疗场景中投入使用。
AX vs PEN — 直观对比
营收规模更大
AX
是对方的1.0倍
$385.4M
净利率更高
AX
高出19.5%
12.3%
两年增速更快
PEN
近两年复合增速
16.1%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $385.4M |
| 净利润 | $124.7M | $47.3M |
| 毛利率 | — | 68.0% |
| 营业利润率 | — | 15.4% |
| 净利率 | 31.8% | 12.3% |
| 营收同比 | — | 22.1% |
| 净利润同比 | 18.5% | 40.6% |
| 每股收益（稀释后） | $2.15 | $1.20 |
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AXPEN
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $385.4M | ||
| Q3 25 | $323.4M | $354.7M | ||
| Q2 25 | $321.4M | $339.5M | ||
| Q1 25 | $308.8M | $324.1M | ||
| Q4 24 | $307.9M | $315.5M | ||
| Q3 24 | $320.7M | $301.0M | ||
| Q2 24 | $290.9M | $299.4M |
净利润AXPEN
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $47.3M | ||
| Q3 25 | $112.4M | $45.9M | ||
| Q2 25 | $110.7M | $45.3M | ||
| Q1 25 | $105.2M | $39.2M | ||
| Q4 24 | $104.7M | $33.7M | ||
| Q3 24 | $112.3M | $29.5M | ||
| Q2 24 | $104.9M | $-60.2M |
毛利率AXPEN
| Q1 26 | — | — | ||
| Q4 25 | — | 68.0% | ||
| Q3 25 | — | 67.8% | ||
| Q2 25 | — | 66.0% | ||
| Q1 25 | — | 66.6% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 66.5% | ||
| Q2 24 | — | 54.4% |
营业利润率AXPEN
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 15.4% | ||
| Q3 25 | 46.3% | 13.8% | ||
| Q2 25 | 48.5% | 12.0% | ||
| Q1 25 | 47.9% | 12.4% | ||
| Q4 24 | 48.8% | 13.6% | ||
| Q3 24 | 49.6% | 11.7% | ||
| Q2 24 | 49.6% | -27.0% |
净利率AXPEN
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 12.3% | ||
| Q3 25 | 34.7% | 12.9% | ||
| Q2 25 | 34.4% | 13.3% | ||
| Q1 25 | 34.1% | 12.1% | ||
| Q4 24 | 34.0% | 10.7% | ||
| Q3 24 | 35.0% | 9.8% | ||
| Q2 24 | 36.0% | -20.1% |
每股收益（稀释后）AXPEN
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $1.20 | ||
| Q3 25 | $1.94 | $1.17 | ||
| Q2 25 | $1.89 | $1.15 | ||
| Q1 25 | $1.81 | $1.00 | ||
| Q4 24 | $1.80 | $0.88 | ||
| Q3 24 | $1.93 | $0.75 | ||
| Q2 24 | $1.75 | $-1.55 |
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 | — | $186.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.1B | $1.4B |
| 总资产 | $29.2B | $1.8B |
| 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AXPEN
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $186.9M | ||
| Q3 25 | $2.6B | $321.0M | ||
| Q2 25 | $1.9B | $421.8M | ||
| Q1 25 | $2.0B | $376.1M | ||
| Q4 24 | $2.4B | $324.4M | ||
| Q3 24 | $2.6B | $280.5M | ||
| Q2 24 | $2.0B | $288.3M |
总债务AXPEN
| 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AXPEN
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $1.4B | ||
| Q3 25 | $2.8B | $1.4B | ||
| Q2 25 | $2.7B | $1.3B | ||
| Q1 25 | $2.6B | $1.2B | ||
| Q4 24 | $2.5B | $1.2B | ||
| Q3 24 | $2.4B | $1.1B | ||
| Q2 24 | $2.3B | $1.2B |
总资产AXPEN
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.8B | ||
| Q3 25 | $27.4B | $1.7B | ||
| Q2 25 | $24.8B | $1.7B | ||
| Q1 25 | $24.0B | $1.6B | ||
| Q4 24 | $23.7B | $1.5B | ||
| Q3 24 | $23.6B | $1.5B | ||
| Q2 24 | $22.9B | $1.5B |
负债/权益比AXPEN
| 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 | — | $86.5M |
| 自由现金流经营现金流 - 资本支出 | — | $68.0M |
| 自由现金流率自由现金流/营收 | — | 17.7% |
| 资本支出强度资本支出/营收 | — | 4.8% |
| 现金转化率经营现金流/净利润 | — | 1.83× |
| 过去12个月自由现金流最近4个季度 | — | $174.9M |
8季度趋势，按日历期对齐
经营现金流AXPEN
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $86.5M | ||
| Q3 25 | $118.4M | $58.3M | ||
| Q2 25 | $490.3M | $44.9M | ||
| Q1 25 | $73.7M | $49.0M | ||
| Q4 24 | $162.5M | $51.1M | ||
| Q3 24 | $70.8M | $56.5M | ||
| Q2 24 | $305.5M | $22.6M |
自由现金流AXPEN
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $68.0M | ||
| Q3 25 | $109.3M | $42.0M | ||
| Q2 25 | $436.1M | $29.4M | ||
| Q1 25 | $65.1M | $35.5M | ||
| Q4 24 | $156.4M | $45.7M | ||
| Q3 24 | $53.0M | $51.0M | ||
| Q2 24 | $269.5M | $18.1M |
自由现金流率AXPEN
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 17.7% | ||
| Q3 25 | 33.8% | 11.8% | ||
| Q2 25 | 135.7% | 8.7% | ||
| Q1 25 | 21.1% | 11.0% | ||
| Q4 24 | 50.8% | 14.5% | ||
| Q3 24 | 16.5% | 16.9% | ||
| Q2 24 | 92.6% | 6.0% |
资本支出强度AXPEN
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 4.8% | ||
| Q3 25 | 2.8% | 4.6% | ||
| Q2 25 | 16.9% | 4.6% | ||
| Q1 25 | 2.8% | 4.2% | ||
| Q4 24 | 2.0% | 1.7% | ||
| Q3 24 | 5.5% | 1.8% | ||
| Q2 24 | 12.4% | 1.5% |
现金转化率AXPEN
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 1.83× | ||
| Q3 25 | 1.05× | 1.27× | ||
| Q2 25 | 4.43× | 0.99× | ||
| Q1 25 | 0.70× | 1.25× | ||
| Q4 24 | 1.55× | 1.52× | ||
| Q3 24 | 0.63× | 1.91× | ||
| 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% |
PEN
| Thrombectomy | $254.7M | 66% |
| Other | $130.7M | 34% |
