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Axos Financial, Inc.（AX）与Tyler Technologies（TYL）财务数据对比。点击上方公司名可切换其他公司
Tyler Technologies的季度营收约是Axos Financial, Inc.的1.6倍（$613.5M vs $385.1M），Axos Financial, Inc.净利率更高（33.3% vs 13.2%，领先20.1%），Axos Financial, Inc.同比增速更快（25.1% vs 8.6%），Axos Financial, Inc.自由现金流更多（$85.4M vs $2.0M），过去两年Axos Financial, Inc.的营收复合增速更高（14.3% vs 6.5%）
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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
AX vs TYL — 直观对比
营收规模更大
TYL
是对方的1.6倍
$385.1M
营收增速更快
AX
高出16.5%
8.6%
净利率更高
AX
高出20.1%
13.2%
自由现金流更多
AX
多$83.4M
$2.0M
两年增速更快
AX
近两年复合增速
6.5%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $385.1M | $613.5M |
| 净利润 | $128.4M | $81.2M |
| 毛利率 | — | 48.3% |
| 营业利润率 | 45.6% | 16.3% |
| 净利率 | 33.3% | 13.2% |
| 营收同比 | 25.1% | 8.6% |
| 净利润同比 | 22.6% | — |
| 每股收益（稀释后） | $2.22 | $1.88 |
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AXTYL
| Q1 26 | — | $613.5M | ||
| Q4 25 | $385.1M | $575.2M | ||
| Q3 25 | $323.4M | $595.9M | ||
| Q2 25 | $321.4M | $596.1M | ||
| Q1 25 | $308.8M | $565.2M | ||
| Q4 24 | $307.9M | $541.1M | ||
| Q3 24 | $320.7M | $543.3M | ||
| Q2 24 | $290.9M | $541.0M |
净利润AXTYL
| Q1 26 | — | $81.2M | ||
| Q4 25 | $128.4M | $65.5M | ||
| Q3 25 | $112.4M | $84.4M | ||
| Q2 25 | $110.7M | $84.6M | ||
| Q1 25 | $105.2M | $81.1M | ||
| Q4 24 | $104.7M | $65.2M | ||
| Q3 24 | $112.3M | $75.9M | ||
| Q2 24 | $104.9M | $67.7M |
毛利率AXTYL
| Q1 26 | — | 48.3% | ||
| Q4 25 | — | 45.5% | ||
| Q3 25 | — | 47.2% | ||
| Q2 25 | — | 45.8% | ||
| Q1 25 | — | 47.3% | ||
| Q4 24 | — | 43.8% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 44.0% |
营业利润率AXTYL
| Q1 26 | — | 16.3% | ||
| Q4 25 | 45.6% | 13.0% | ||
| Q3 25 | 46.3% | 16.4% | ||
| Q2 25 | 48.5% | 16.0% | ||
| Q1 25 | 47.9% | 15.8% | ||
| Q4 24 | 48.8% | 13.2% | ||
| Q3 24 | 49.6% | 15.2% | ||
| Q2 24 | 49.6% | 14.4% |
净利率AXTYL
| Q1 26 | — | 13.2% | ||
| Q4 25 | 33.3% | 11.4% | ||
| Q3 25 | 34.7% | 14.2% | ||
| Q2 25 | 34.4% | 14.2% | ||
| Q1 25 | 34.1% | 14.3% | ||
| Q4 24 | 34.0% | 12.1% | ||
| Q3 24 | 35.0% | 14.0% | ||
| Q2 24 | 36.0% | 12.5% |
每股收益（稀释后）AXTYL
| Q1 26 | — | $1.88 | ||
| Q4 25 | $2.22 | $1.50 | ||
| Q3 25 | $1.94 | $1.93 | ||
| Q2 25 | $1.89 | $1.93 | ||
| Q1 25 | $1.81 | $1.84 | ||
| Q4 24 | $1.80 | $1.48 | ||
| Q3 24 | $1.93 | $1.74 | ||
| Q2 24 | $1.75 | $1.57 |
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 | $1.0B | $346.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.9B | $3.6B |
| 总资产 | $28.2B | $4.8B |
| 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AXTYL
| Q1 26 | — | $346.4M | ||
| Q4 25 | $1.0B | $1.1B | ||
| Q3 25 | $2.6B | $950.8M | ||
| Q2 25 | $1.9B | $892.3M | ||
| Q1 25 | $2.0B | $807.4M | ||
| Q4 24 | $2.4B | $768.0M | ||
| Q3 24 | $2.6B | $544.3M | ||
| Q2 24 | $2.0B | $258.0M |
总债务AXTYL
| Q1 26 | — | — | ||
| Q4 25 | — | $599.7M | ||
| Q3 25 | — | $599.2M | ||
| Q2 25 | $312.7M | $598.8M | ||
| Q1 25 | $377.4M | $598.4M | ||
| Q4 24 | $358.7M | $597.9M | ||
| Q3 24 | $313.5M | $597.5M | ||
| Q2 24 | $325.7M | $597.1M |
股东权益AXTYL
| Q1 26 | — | $3.6B | ||
| Q4 25 | $2.9B | $3.7B | ||
| Q3 25 | $2.8B | $3.6B | ||
| Q2 25 | $2.7B | $3.6B | ||
| Q1 25 | $2.6B | $3.5B | ||
| Q4 24 | $2.5B | $3.4B | ||
| Q3 24 | $2.4B | $3.3B | ||
| Q2 24 | $2.3B | $3.1B |
总资产AXTYL
| Q1 26 | — | $4.8B | ||
| Q4 25 | $28.2B | $5.6B | ||
| Q3 25 | $27.4B | $5.5B | ||
| Q2 25 | $24.8B | $5.4B | ||
| Q1 25 | $24.0B | $5.2B | ||
| Q4 24 | $23.7B | $5.2B | ||
| Q3 24 | $23.6B | $5.0B | ||
| Q2 24 | $22.9B | $4.8B |
负债/权益比AXTYL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | 0.12× | 0.16× | ||
| Q1 25 | 0.14× | 0.17× | ||
| Q4 24 | 0.14× | 0.18× | ||
| Q3 24 | 0.13× | 0.18× | ||
| Q2 24 | 0.14× | 0.19× |
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 | $104.1M | $107.3M |
| 自由现金流经营现金流 - 资本支出 | $85.4M | $2.0M |
| 自由现金流率自由现金流/营收 | 22.2% | 0.3% |
| 资本支出强度资本支出/营收 | 4.9% | — |
| 现金转化率经营现金流/净利润 | 0.81× | 1.32× |
| 过去12个月自由现金流最近4个季度 | $695.9M | $585.7M |
8季度趋势，按日历期对齐
经营现金流AXTYL
| Q1 26 | — | $107.3M | ||
| Q4 25 | $104.1M | $243.9M | ||
| Q3 25 | $118.4M | $255.2M | ||
| Q2 25 | $490.3M | $98.3M | ||
| Q1 25 | $73.7M | $56.2M | ||
| Q4 24 | $162.5M | $224.8M | ||
| Q3 24 | $70.8M | $263.7M | ||
| Q2 24 | $305.5M | $64.3M |
自由现金流AXTYL
| Q1 26 | — | $2.0M | ||
| Q4 25 | $85.4M | $239.6M | ||
| Q3 25 | $109.3M | $251.3M | ||
| Q2 25 | $436.1M | $92.8M | ||
| Q1 25 | $65.1M | $53.8M | ||
| Q4 24 | $156.4M | $221.0M | ||
| Q3 24 | $53.0M | $260.8M | ||
| Q2 24 | $269.5M | $57.7M |
自由现金流率AXTYL
| Q1 26 | — | 0.3% | ||
| Q4 25 | 22.2% | 41.7% | ||
| Q3 25 | 33.8% | 42.2% | ||
| Q2 25 | 135.7% | 15.6% | ||
| Q1 25 | 21.1% | 9.5% | ||
| Q4 24 | 50.8% | 40.8% | ||
| Q3 24 | 16.5% | 48.0% | ||
| Q2 24 | 92.6% | 10.7% |
资本支出强度AXTYL
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 0.8% | ||
| Q3 25 | 2.8% | 0.7% | ||
| Q2 25 | 16.9% | 0.9% | ||
| Q1 25 | 2.8% | 0.4% | ||
| Q4 24 | 2.0% | 0.7% | ||
| Q3 24 | 5.5% | 0.5% | ||
| Q2 24 | 12.4% | 1.2% |
现金转化率AXTYL
| Q1 26 | — | 1.32× | ||
| Q4 25 | 0.81× | 3.72× | ||
| Q3 25 | 1.05× | 3.02× | ||
| Q2 25 | 4.43× | 1.16× | ||
| Q1 25 | 0.70× | 0.69× | ||
| Q4 24 | 1.55× | 3.45× | ||
| Q3 24 | 0.63× | 3.47× | ||
| Q2 24 | 2.91× | 0.95× |
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
暂无分部数据
TYL
| Subscriptions | $429.7M | 70% |
| Maintenance | $108.9M | 18% |
| Other | $74.9M | 12% |
