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Axos Financial, Inc.（AX）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是Axos Financial, Inc.的1.1倍（$417.5M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs -5.0%，领先36.8%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
AX vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.1倍
$392.2M
净利率更高
AX
高出36.8%
-5.0%
两年增速更快
AX
近两年复合增速
3.8%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $417.5M |
| 净利润 | $124.7M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | — | 2.6% |
| 净利率 | 31.8% | -5.0% |
| 营收同比 | — | -1.2% |
| 净利润同比 | 18.5% | -31.9% |
| 每股收益（稀释后） | $2.15 | $-0.33 |
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AXRYAM
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $417.5M | ||
| Q3 25 | $323.4M | $352.8M | ||
| Q2 25 | $321.4M | $340.0M | ||
| Q1 25 | $308.8M | $356.0M | ||
| Q4 24 | $307.9M | $422.5M | ||
| Q3 24 | $320.7M | $401.1M | ||
| Q2 24 | $290.9M | $419.0M |
净利润AXRYAM
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $-21.1M | ||
| Q3 25 | $112.4M | $-4.5M | ||
| Q2 25 | $110.7M | $-363.2M | ||
| Q1 25 | $105.2M | $-32.0M | ||
| Q4 24 | $104.7M | $-16.0M | ||
| Q3 24 | $112.3M | $-32.6M | ||
| Q2 24 | $104.9M | $11.4M |
毛利率AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% |
营业利润率AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 2.6% | ||
| Q3 25 | 46.3% | 2.8% | ||
| Q2 25 | 48.5% | -0.4% | ||
| Q1 25 | 47.9% | -4.2% | ||
| Q4 24 | 48.8% | 2.6% | ||
| Q3 24 | 49.6% | -4.2% | ||
| Q2 24 | 49.6% | 6.7% |
净利率AXRYAM
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | -5.0% | ||
| Q3 25 | 34.7% | -1.3% | ||
| Q2 25 | 34.4% | -106.8% | ||
| Q1 25 | 34.1% | -9.0% | ||
| Q4 24 | 34.0% | -3.8% | ||
| Q3 24 | 35.0% | -8.1% | ||
| Q2 24 | 36.0% | 2.7% |
每股收益（稀释后）AXRYAM
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $-0.33 | ||
| Q3 25 | $1.94 | $-0.07 | ||
| Q2 25 | $1.89 | $-5.44 | ||
| Q1 25 | $1.81 | $-0.49 | ||
| Q4 24 | $1.80 | $-0.25 | ||
| Q3 24 | $1.93 | $-0.49 | ||
| Q2 24 | $1.75 | $0.17 |
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 | — | $75.4M |
| 总债务越低越好 | — | $758.1M |
| 股东权益账面价值 | $3.1B | $316.6M |
| 总资产 | $29.2B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $75.4M | ||
| Q3 25 | $2.6B | $77.0M | ||
| Q2 25 | $1.9B | $70.7M | ||
| Q1 25 | $2.0B | $129.9M | ||
| Q4 24 | $2.4B | $125.2M | ||
| Q3 24 | $2.6B | $136.1M | ||
| Q2 24 | $2.0B | $114.1M |
总债务AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | $758.1M | ||
| Q3 25 | — | $763.5M | ||
| Q2 25 | $312.7M | $720.4M | ||
| Q1 25 | $377.4M | $707.0M | ||
| Q4 24 | $358.7M | $706.4M | ||
| Q3 24 | $313.5M | $747.7M | ||
| Q2 24 | $325.7M | $752.8M |
股东权益AXRYAM
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $316.6M | ||
| Q3 25 | $2.8B | $338.2M | ||
| Q2 25 | $2.7B | $342.3M | ||
| Q1 25 | $2.6B | $688.1M | ||
| Q4 24 | $2.5B | $713.9M | ||
| Q3 24 | $2.4B | $732.7M | ||
| Q2 24 | $2.3B | $755.1M |
总资产AXRYAM
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.8B | ||
| Q3 25 | $27.4B | $1.8B | ||
| Q2 25 | $24.8B | $1.8B | ||
| Q1 25 | $24.0B | $2.1B | ||
| Q4 24 | $23.7B | $2.1B | ||
| Q3 24 | $23.6B | $2.2B | ||
| Q2 24 | $22.9B | $2.2B |
负债/权益比AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | — | 2.39× | ||
| Q3 25 | — | 2.26× | ||
| Q2 25 | 0.12× | 2.10× | ||
| Q1 25 | 0.14× | 1.03× | ||
| Q4 24 | 0.14× | 0.99× | ||
| Q3 24 | 0.13× | 1.02× | ||
| Q2 24 | 0.14× | 1.00× |
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 | — | $32.3M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $32.3M | ||
| Q3 25 | $118.4M | $-17.8M | ||
| Q2 25 | $490.3M | $-30.2M | ||
| Q1 25 | $73.7M | $39.6M | ||
| Q4 24 | $162.5M | $54.9M | ||
| Q3 24 | $70.8M | $49.8M | ||
| Q2 24 | $305.5M | $87.6M |
自由现金流AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | — | ||
| Q3 25 | $109.3M | — | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $65.1M | — | ||
| Q4 24 | $156.4M | — | ||
| Q3 24 | $53.0M | — | ||
| Q2 24 | $269.5M | — |
自由现金流率AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 33.8% | — | ||
| Q2 25 | 135.7% | — | ||
| Q1 25 | 21.1% | — | ||
| Q4 24 | 50.8% | — | ||
| Q3 24 | 16.5% | — | ||
| Q2 24 | 92.6% | — |
资本支出强度AXRYAM
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | 16.9% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 5.5% | — | ||
| Q2 24 | 12.4% | — |
现金转化率AXRYAM
| 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× | 7.69× |
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% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
