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Axos Financial, Inc.（AX）与Waystar Holding Corp.（WAY）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Waystar Holding Corp.的1.2倍（$392.2M vs $313.9M），Axos Financial, Inc.净利率更高（31.8% vs 13.8%，领先18.0%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 15.7%）
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。
Waystar Holding Corp是一家领先的医疗健康支付与营收周期管理解决方案提供商，服务覆盖美国各地的医疗机构、医疗系统和支付方，旗下工具可简化账单处理、理赔申请、患者缴费流程，帮助医疗机构降低行政负担、优化营收表现。
AX vs WAY — 直观对比
营收规模更大
AX
是对方的1.2倍
$313.9M
净利率更高
AX
高出18.0%
13.8%
两年增速更快
AX
近两年复合增速
15.7%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $313.9M |
| 净利润 | $124.7M | $43.3M |
| 毛利率 | — | — |
| 营业利润率 | — | 25.6% |
| 净利率 | 31.8% | 13.8% |
| 营收同比 | — | 22.4% |
| 净利润同比 | 18.5% | 47.9% |
| 每股收益（稀释后） | $2.15 | $0.42 |
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AXWAY
| Q1 26 | $392.2M | $313.9M | ||
| Q4 25 | $385.1M | $303.5M | ||
| Q3 25 | $323.4M | $268.7M | ||
| Q2 25 | $321.4M | $270.7M | ||
| Q1 25 | $308.8M | $256.4M | ||
| Q4 24 | $307.9M | $244.1M | ||
| Q3 24 | $320.7M | $240.1M | ||
| Q2 24 | $290.9M | $234.5M |
净利润AXWAY
| Q1 26 | $124.7M | $43.3M | ||
| Q4 25 | $128.4M | $20.0M | ||
| Q3 25 | $112.4M | $30.6M | ||
| Q2 25 | $110.7M | $32.2M | ||
| Q1 25 | $105.2M | $29.3M | ||
| Q4 24 | $104.7M | $19.1M | ||
| Q3 24 | $112.3M | $5.4M | ||
| Q2 24 | $104.9M | $-27.7M |
营业利润率AXWAY
| Q1 26 | — | 25.6% | ||
| Q4 25 | 45.6% | 19.4% | ||
| Q3 25 | 46.3% | 22.4% | ||
| Q2 25 | 48.5% | 24.0% | ||
| Q1 25 | 47.9% | 25.4% | ||
| Q4 24 | 48.8% | 21.8% | ||
| Q3 24 | 49.6% | 11.3% | ||
| Q2 24 | 49.6% | 3.5% |
净利率AXWAY
| Q1 26 | 31.8% | 13.8% | ||
| Q4 25 | 33.3% | 6.6% | ||
| Q3 25 | 34.7% | 11.4% | ||
| Q2 25 | 34.4% | 11.9% | ||
| Q1 25 | 34.1% | 11.4% | ||
| Q4 24 | 34.0% | 7.8% | ||
| Q3 24 | 35.0% | 2.3% | ||
| Q2 24 | 36.0% | -11.8% |
每股收益（稀释后）AXWAY
| Q1 26 | $2.15 | $0.42 | ||
| Q4 25 | $2.22 | $0.10 | ||
| Q3 25 | $1.94 | $0.17 | ||
| Q2 25 | $1.89 | $0.18 | ||
| Q1 25 | $1.81 | $0.16 | ||
| Q4 24 | $1.80 | $0.18 | ||
| Q3 24 | $1.93 | $0.03 | ||
| Q2 24 | $1.75 | $-0.21 |
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 | — | $34.3M |
| 总债务越低越好 | — | $13.5M |
| 股东权益账面价值 | $3.1B | $3.9B |
| 总资产 | $29.2B | $5.8B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资AXWAY
| Q1 26 | — | $34.3M | ||
| Q4 25 | $1.0B | $61.4M | ||
| Q3 25 | $2.6B | $421.1M | ||
| Q2 25 | $1.9B | $290.3M | ||
| Q1 25 | $2.0B | $224.0M | ||
| Q4 24 | $2.4B | $182.1M | ||
| Q3 24 | $2.6B | $127.1M | ||
| Q2 24 | $2.0B | $68.4M |
总债务AXWAY
| Q1 26 | — | $13.5M | ||
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | — | ||
| Q2 25 | $312.7M | — | ||
| Q1 25 | $377.4M | — | ||
| Q4 24 | $358.7M | $1.2B | ||
| Q3 24 | $313.5M | — | ||
| Q2 24 | $325.7M | — |
股东权益AXWAY
| Q1 26 | $3.1B | $3.9B | ||
| Q4 25 | $2.9B | $3.9B | ||
| Q3 25 | $2.8B | $3.2B | ||
| Q2 25 | $2.7B | $3.2B | ||
| Q1 25 | $2.6B | $3.1B | ||
| Q4 24 | $2.5B | $3.1B | ||
| Q3 24 | $2.4B | $3.1B | ||
| Q2 24 | $2.3B | $2.9B |
总资产AXWAY
| Q1 26 | $29.2B | $5.8B | ||
| Q4 25 | $28.2B | $5.8B | ||
| Q3 25 | $27.4B | $4.7B | ||
| Q2 25 | $24.8B | $4.7B | ||
| Q1 25 | $24.0B | $4.6B | ||
| Q4 24 | $23.7B | $4.6B | ||
| Q3 24 | $23.6B | $4.5B | ||
| Q2 24 | $22.9B | $4.6B |
负债/权益比AXWAY
| Q1 26 | — | 0.00× | ||
| Q4 25 | — | 0.38× | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | 0.40× | ||
| 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 | — | $84.9M |
| 自由现金流经营现金流 - 资本支出 | — | $90.3M |
| 自由现金流率自由现金流/营收 | — | 28.8% |
| 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 | — | 1.96× |
| 过去12个月自由现金流最近4个季度 | — | $314.6M |
8季度趋势，按日历期对齐
经营现金流AXWAY
| Q1 26 | — | $84.9M | ||
| Q4 25 | $104.1M | $66.6M | ||
| Q3 25 | $118.4M | $82.0M | ||
| Q2 25 | $490.3M | $96.8M | ||
| Q1 25 | $73.7M | $64.2M | ||
| Q4 24 | $162.5M | — | ||
| Q3 24 | $70.8M | $78.8M | ||
| Q2 24 | $305.5M | $15.4M |
自由现金流AXWAY
| Q1 26 | — | $90.3M | ||
| Q4 25 | $85.4M | $57.2M | ||
| Q3 25 | $109.3M | $76.2M | ||
| Q2 25 | $436.1M | $91.0M | ||
| Q1 25 | $65.1M | $58.8M | ||
| Q4 24 | $156.4M | — | ||
| Q3 24 | $53.0M | $70.2M | ||
| Q2 24 | $269.5M | $8.6M |
自由现金流率AXWAY
| Q1 26 | — | 28.8% | ||
| Q4 25 | 22.2% | 18.9% | ||
| Q3 25 | 33.8% | 28.3% | ||
| Q2 25 | 135.7% | 33.6% | ||
| Q1 25 | 21.1% | 22.9% | ||
| Q4 24 | 50.8% | — | ||
| Q3 24 | 16.5% | 29.2% | ||
| Q2 24 | 92.6% | 3.7% |
资本支出强度AXWAY
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 3.1% | ||
| Q3 25 | 2.8% | 2.2% | ||
| Q2 25 | 16.9% | 2.1% | ||
| Q1 25 | 2.8% | 2.1% | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 5.5% | 3.6% | ||
| Q2 24 | 12.4% | 2.9% |
现金转化率AXWAY
| Q1 26 | — | 1.96× | ||
| Q4 25 | 0.81× | 3.33× | ||
| Q3 25 | 1.05× | 2.68× | ||
| Q2 25 | 4.43× | 3.01× | ||
| Q1 25 | 0.70× | 2.20× | ||
| Q4 24 | 1.55× | — | ||
| Q3 24 | 0.63× | 14.56× | ||
| 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% |
WAY
| Subscription | $172.2M | 55% |
| Volume-based | $139.5M | 44% |
