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Axos Financial, Inc.（AX）与UNIVERSAL TECHNICAL INSTITUTE INC（UTI）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UNIVERSAL TECHNICAL INSTITUTE INC的1.8倍（$392.2M vs $220.8M），Axos Financial, Inc.净利率更高（31.8% vs 5.8%，领先26.0%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 9.5%）
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。
环球技术学院（UTI）是美国的营利性私立技术院校集团，1965年由罗伯特·斯威特创立，专注于提供职业技术类教育课程，培养符合产业需求的技能型人才，在美职业教育领域拥有较长的运营历史与行业经验。
AX vs UTI — 直观对比
营收规模更大
AX
是对方的1.8倍
$220.8M
净利率更高
AX
高出26.0%
5.8%
两年增速更快
AX
近两年复合增速
9.5%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $220.8M |
| 净利润 | $124.7M | $12.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 7.1% |
| 净利率 | 31.8% | 5.8% |
| 营收同比 | — | 9.6% |
| 净利润同比 | 18.5% | -42.1% |
| 每股收益（稀释后） | $2.15 | $0.23 |
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AXUTI
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $220.8M | ||
| Q3 25 | $323.4M | $222.4M | ||
| Q2 25 | $321.4M | $204.3M | ||
| Q1 25 | $308.8M | $207.4M | ||
| Q4 24 | $307.9M | $201.4M | ||
| Q3 24 | $320.7M | $196.4M | ||
| Q2 24 | $290.9M | $177.5M |
净利润AXUTI
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $12.8M | ||
| Q3 25 | $112.4M | $18.8M | ||
| Q2 25 | $110.7M | $10.7M | ||
| Q1 25 | $105.2M | $11.4M | ||
| Q4 24 | $104.7M | $22.2M | ||
| Q3 24 | $112.3M | $18.8M | ||
| Q2 24 | $104.9M | $5.0M |
营业利润率AXUTI
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 7.1% | ||
| Q3 25 | 46.3% | 11.2% | ||
| Q2 25 | 48.5% | 6.9% | ||
| Q1 25 | 47.9% | 8.1% | ||
| Q4 24 | 48.8% | 13.6% | ||
| Q3 24 | 49.6% | 13.3% | ||
| Q2 24 | 49.6% | 4.2% |
净利率AXUTI
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 5.8% | ||
| Q3 25 | 34.7% | 8.4% | ||
| Q2 25 | 34.4% | 5.2% | ||
| Q1 25 | 34.1% | 5.5% | ||
| Q4 24 | 34.0% | 11.0% | ||
| Q3 24 | 35.0% | 9.6% | ||
| Q2 24 | 36.0% | 2.8% |
每股收益（稀释后）AXUTI
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $0.23 | ||
| Q3 25 | $1.94 | $0.33 | ||
| Q2 25 | $1.89 | $0.19 | ||
| Q1 25 | $1.81 | $0.21 | ||
| Q4 24 | $1.80 | $0.40 | ||
| Q3 24 | $1.93 | $0.35 | ||
| Q2 24 | $1.75 | $0.09 |
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 | — | $162.8M |
| 总债务越低越好 | — | $101.4M |
| 股东权益账面价值 | $3.1B | $335.9M |
| 总资产 | $29.2B | $834.0M |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资AXUTI
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $162.8M | ||
| Q3 25 | $2.6B | $169.1M | ||
| Q2 25 | $1.9B | $70.7M | ||
| Q1 25 | $2.0B | $96.0M | ||
| Q4 24 | $2.4B | $172.0M | ||
| Q3 24 | $2.6B | $161.9M | ||
| Q2 24 | $2.0B | $115.5M |
总债务AXUTI
| Q1 26 | — | — | ||
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | $312.7M | $73.8M | ||
| Q1 25 | $377.4M | $94.4M | ||
| Q4 24 | $358.7M | $120.1M | ||
| Q3 24 | $313.5M | $125.7M | ||
| Q2 24 | $325.7M | $137.3M |
股东权益AXUTI
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $335.9M | ||
| Q3 25 | $2.8B | $328.1M | ||
| Q2 25 | $2.7B | $306.8M | ||
| Q1 25 | $2.6B | $293.9M | ||
| Q4 24 | $2.5B | $280.0M | ||
| Q3 24 | $2.4B | $260.2M | ||
| Q2 24 | $2.3B | $239.4M |
总资产AXUTI
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $834.0M | ||
| Q3 25 | $27.4B | $826.1M | ||
| Q2 25 | $24.8B | $740.8M | ||
| Q1 25 | $24.0B | $720.4M | ||
| Q4 24 | $23.7B | $753.8M | ||
| Q3 24 | $23.6B | $744.6M | ||
| Q2 24 | $22.9B | $706.0M |
负债/权益比AXUTI
| Q1 26 | — | — | ||
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | 0.12× | 0.24× | ||
| Q1 25 | 0.14× | 0.32× | ||
| Q4 24 | 0.14× | 0.43× | ||
| Q3 24 | 0.13× | 0.48× | ||
| Q2 24 | 0.14× | 0.57× |
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 | — | $3.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-19.2M |
| 自由现金流率自由现金流/营收 | — | -8.7% |
| 资本支出强度资本支出/营收 | — | 10.1% |
| 现金转化率经营现金流/净利润 | — | 0.24× |
| 过去12个月自由现金流最近4个季度 | — | $16.6M |
8季度趋势，按日历期对齐
经营现金流AXUTI
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $3.1M | ||
| Q3 25 | $118.4M | $57.1M | ||
| Q2 25 | $490.3M | $18.1M | ||
| Q1 25 | $73.7M | $-789.0K | ||
| Q4 24 | $162.5M | $23.0M | ||
| Q3 24 | $70.8M | $67.5M | ||
| Q2 24 | $305.5M | $10.0M |
自由现金流AXUTI
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $-19.2M | ||
| Q3 25 | $109.3M | $40.6M | ||
| Q2 25 | $436.1M | $6.8M | ||
| Q1 25 | $65.1M | $-11.7M | ||
| Q4 24 | $156.4M | $19.6M | ||
| Q3 24 | $53.0M | $60.0M | ||
| Q2 24 | $269.5M | $3.0M |
自由现金流率AXUTI
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | -8.7% | ||
| Q3 25 | 33.8% | 18.3% | ||
| Q2 25 | 135.7% | 3.4% | ||
| Q1 25 | 21.1% | -5.7% | ||
| Q4 24 | 50.8% | 9.7% | ||
| Q3 24 | 16.5% | 30.6% | ||
| Q2 24 | 92.6% | 1.7% |
资本支出强度AXUTI
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 10.1% | ||
| Q3 25 | 2.8% | 7.4% | ||
| Q2 25 | 16.9% | 5.5% | ||
| Q1 25 | 2.8% | 5.3% | ||
| Q4 24 | 2.0% | 1.7% | ||
| Q3 24 | 5.5% | 3.8% | ||
| Q2 24 | 12.4% | 4.0% |
现金转化率AXUTI
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 0.24× | ||
| Q3 25 | 1.05× | 3.04× | ||
| Q2 25 | 4.43× | 1.69× | ||
| Q1 25 | 0.70× | -0.07× | ||
| Q4 24 | 1.55× | 1.04× | ||
| Q3 24 | 0.63× | 3.58× | ||
| Q2 24 | 2.91× | 2.01× |
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% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
