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Axos Financial, Inc.（AX）与Penguin Solutions, Inc.（PENG）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Penguin Solutions, Inc.的1.1倍（$392.2M vs $343.1M），Axos Financial, Inc.净利率更高（31.8% vs 1.5%，领先30.2%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 11.8%）
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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
AX vs PENG — 直观对比
营收规模更大
AX
是对方的1.1倍
$343.1M
净利率更高
AX
高出30.2%
1.5%
两年增速更快
AX
近两年复合增速
11.8%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $343.1M |
| 净利润 | $124.7M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | 5.7% |
| 净利率 | 31.8% | 1.5% |
| 营收同比 | — | 0.6% |
| 净利润同比 | 18.5% | 1.0% |
| 每股收益（稀释后） | $2.15 | $0.04 |
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AXPENG
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $343.1M | ||
| Q3 25 | $323.4M | $337.9M | ||
| Q2 25 | $321.4M | $324.3M | ||
| Q1 25 | $308.8M | $365.5M | ||
| Q4 24 | $307.9M | $341.1M | ||
| Q3 24 | $320.7M | $284.8M | ||
| Q2 24 | $290.9M | $300.6M |
净利润AXPENG
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $5.3M | ||
| Q3 25 | $112.4M | $9.4M | ||
| Q2 25 | $110.7M | $2.7M | ||
| Q1 25 | $105.2M | $8.1M | ||
| Q4 24 | $104.7M | $5.2M | ||
| Q3 24 | $112.3M | — | ||
| Q2 24 | $104.9M | $5.6M |
毛利率AXPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% |
营业利润率AXPENG
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 5.7% | ||
| Q3 25 | 46.3% | 3.7% | ||
| Q2 25 | 48.5% | 3.0% | ||
| Q1 25 | 47.9% | 5.1% | ||
| Q4 24 | 48.8% | 5.1% | ||
| Q3 24 | 49.6% | -1.2% | ||
| Q2 24 | 49.6% | 3.8% |
净利率AXPENG
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 1.5% | ||
| Q3 25 | 34.7% | 2.8% | ||
| Q2 25 | 34.4% | 0.8% | ||
| Q1 25 | 34.1% | 2.2% | ||
| Q4 24 | 34.0% | 1.5% | ||
| Q3 24 | 35.0% | — | ||
| Q2 24 | 36.0% | 1.9% |
每股收益（稀释后）AXPENG
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.04 | ||
| Q3 25 | $1.94 | $0.10 | ||
| Q2 25 | $1.89 | $-0.01 | ||
| Q1 25 | $1.81 | $0.09 | ||
| Q4 24 | $1.80 | $0.10 | ||
| Q3 24 | $1.93 | — | ||
| Q2 24 | $1.75 | $0.10 |
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 | — | $461.5M |
| 总债务越低越好 | — | $462.3M |
| 股东权益账面价值 | $3.1B | $389.7M |
| 总资产 | $29.2B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资AXPENG
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $461.5M | ||
| Q3 25 | $2.6B | $453.8M | ||
| Q2 25 | $1.9B | $735.5M | ||
| Q1 25 | $2.0B | $647.0M | ||
| Q4 24 | $2.4B | $393.7M | ||
| Q3 24 | $2.6B | $389.5M | ||
| Q2 24 | $2.0B | $467.5M |
总债务AXPENG
| Q1 26 | — | — | ||
| Q4 25 | — | $462.3M | ||
| Q3 25 | — | $461.8M | ||
| Q2 25 | $312.7M | $659.5M | ||
| Q1 25 | $377.4M | $658.8M | ||
| Q4 24 | $358.7M | $658.1M | ||
| Q3 24 | $313.5M | $657.3M | ||
| Q2 24 | $325.7M | $667.0M |
股东权益AXPENG
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $389.7M | ||
| Q3 25 | $2.8B | $394.2M | ||
| Q2 25 | $2.7B | $584.8M | ||
| Q1 25 | $2.6B | $602.5M | ||
| Q4 24 | $2.5B | $400.4M | ||
| Q3 24 | $2.4B | $391.4M | ||
| Q2 24 | $2.3B | $423.4M |
总资产AXPENG
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.6B | ||
| Q3 25 | $27.4B | $1.6B | ||
| Q2 25 | $24.8B | $1.8B | ||
| Q1 25 | $24.0B | $1.8B | ||
| Q4 24 | $23.7B | $1.6B | ||
| Q3 24 | $23.6B | $1.5B | ||
| Q2 24 | $22.9B | $1.5B |
负债/权益比AXPENG
| Q1 26 | — | — | ||
| Q4 25 | — | 1.19× | ||
| Q3 25 | — | 1.17× | ||
| Q2 25 | 0.12× | 1.13× | ||
| Q1 25 | 0.14× | 1.09× | ||
| Q4 24 | 0.14× | 1.64× | ||
| Q3 24 | 0.13× | 1.68× | ||
| Q2 24 | 0.14× | 1.58× |
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 | — | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流AXPENG
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $31.1M | ||
| Q3 25 | $118.4M | $-70.4M | ||
| Q2 25 | $490.3M | $92.8M | ||
| Q1 25 | $73.7M | $72.9M | ||
| Q4 24 | $162.5M | $13.8M | ||
| Q3 24 | $70.8M | — | ||
| Q2 24 | $305.5M | $57.9M |
自由现金流AXPENG
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $28.2M | ||
| Q3 25 | $109.3M | $-73.4M | ||
| Q2 25 | $436.1M | $90.9M | ||
| Q1 25 | $65.1M | $70.5M | ||
| Q4 24 | $156.4M | $12.0M | ||
| Q3 24 | $53.0M | — | ||
| Q2 24 | $269.5M | $48.9M |
自由现金流率AXPENG
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 8.2% | ||
| Q3 25 | 33.8% | -21.7% | ||
| Q2 25 | 135.7% | 28.0% | ||
| Q1 25 | 21.1% | 19.3% | ||
| Q4 24 | 50.8% | 3.5% | ||
| Q3 24 | 16.5% | — | ||
| Q2 24 | 92.6% | 16.3% |
资本支出强度AXPENG
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 0.8% | ||
| Q3 25 | 2.8% | 0.9% | ||
| Q2 25 | 16.9% | 0.6% | ||
| Q1 25 | 2.8% | 0.6% | ||
| Q4 24 | 2.0% | 0.5% | ||
| Q3 24 | 5.5% | — | ||
| Q2 24 | 12.4% | 3.0% |
现金转化率AXPENG
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 5.89× | ||
| Q3 25 | 1.05× | -7.47× | ||
| Q2 25 | 4.43× | 34.88× | ||
| Q1 25 | 0.70× | 9.02× | ||
| Q4 24 | 1.55× | 2.65× | ||
| Q3 24 | 0.63× | — | ||
| Q2 24 | 2.91× | 10.30× |
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% |
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
