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Axos Financial, Inc.（AX）与Clear Secure, Inc.（YOU）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Clear Secure, Inc.的1.6倍（$392.2M vs $240.8M），Axos Financial, Inc.净利率更高（31.8% vs 12.8%，领先19.0%），过去两年Axos Financial, Inc.的营收复合增速更高（16.1% vs 16.0%）
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。
Clear Secure, Inc.是美国一家科技企业，主营生物识别旅行证件核验系统，其服务已覆盖部分大型机场与体育场馆。公司成立于2003年，2009年申请破产后停运，2012年重启运营，最终于2021年成功上市。
AX vs YOU — 直观对比
营收规模更大
AX
是对方的1.6倍
$240.8M
净利率更高
AX
高出19.0%
12.8%
两年增速更快
AX
近两年复合增速
16.0%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $240.8M |
| 净利润 | $124.7M | $30.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 22.4% |
| 净利率 | 31.8% | 12.8% |
| 营收同比 | — | 16.7% |
| 净利润同比 | 18.5% | -70.2% |
| 每股收益（稀释后） | $2.15 | — |
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AXYOU
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $240.8M | ||
| Q3 25 | $323.4M | $229.2M | ||
| Q2 25 | $321.4M | $219.5M | ||
| Q1 25 | $308.8M | $211.4M | ||
| Q4 24 | $307.9M | $206.3M | ||
| Q3 24 | $320.7M | $198.4M | ||
| Q2 24 | $290.9M | $186.7M |
净利润AXYOU
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $30.8M | ||
| Q3 25 | $112.4M | $28.3M | ||
| Q2 25 | $110.7M | $24.7M | ||
| Q1 25 | $105.2M | $25.4M | ||
| Q4 24 | $104.7M | $103.3M | ||
| Q3 24 | $112.3M | $23.5M | ||
| Q2 24 | $104.9M | $24.1M |
营业利润率AXYOU
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 22.4% | ||
| Q3 25 | 46.3% | 23.0% | ||
| Q2 25 | 48.5% | 19.4% | ||
| Q1 25 | 47.9% | 17.7% | ||
| Q4 24 | 48.8% | 16.5% | ||
| Q3 24 | 49.6% | 17.7% | ||
| Q2 24 | 49.6% | 16.2% |
净利率AXYOU
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 12.8% | ||
| Q3 25 | 34.7% | 12.3% | ||
| Q2 25 | 34.4% | 11.3% | ||
| Q1 25 | 34.1% | 12.0% | ||
| Q4 24 | 34.0% | 50.1% | ||
| Q3 24 | 35.0% | 11.8% | ||
| Q2 24 | 36.0% | 12.9% |
每股收益（稀释后）AXYOU
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | — | ||
| Q3 25 | $1.94 | — | ||
| Q2 25 | $1.89 | — | ||
| Q1 25 | $1.81 | — | ||
| Q4 24 | $1.80 | — | ||
| Q3 24 | $1.93 | — | ||
| Q2 24 | $1.75 | — |
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 | — | $85.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.1B | $177.7M |
| 总资产 | $29.2B | $1.3B |
| 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AXYOU
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $85.7M | ||
| Q3 25 | $2.6B | $75.8M | ||
| Q2 25 | $1.9B | $89.3M | ||
| Q1 25 | $2.0B | $87.6M | ||
| Q4 24 | $2.4B | $66.9M | ||
| Q3 24 | $2.6B | $32.9M | ||
| Q2 24 | $2.0B | $39.1M |
总债务AXYOU
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $312.7M | — | ||
| Q1 25 | $377.4M | — | ||
| Q4 24 | $358.7M | — | ||
| Q3 24 | $313.5M | — | ||
| Q2 24 | $325.7M | — |
股东权益AXYOU
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $177.7M | ||
| Q3 25 | $2.8B | $148.6M | ||
| Q2 25 | $2.7B | $121.3M | ||
| Q1 25 | $2.6B | $116.7M | ||
| Q4 24 | $2.5B | $198.4M | ||
| Q3 24 | $2.4B | $129.0M | ||
| Q2 24 | $2.3B | $153.5M |
总资产AXYOU
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $1.3B | ||
| Q3 25 | $27.4B | $1.1B | ||
| Q2 25 | $24.8B | $1.2B | ||
| Q1 25 | $24.0B | $1.1B | ||
| Q4 24 | $23.7B | $1.2B | ||
| Q3 24 | $23.6B | $858.6M | ||
| Q2 24 | $22.9B | $982.4M |
负债/权益比AXYOU
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | — | ||
| 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 | — | $198.4M |
| 自由现金流经营现金流 - 资本支出 | — | $187.4M |
| 自由现金流率自由现金流/营收 | — | 77.8% |
| 资本支出强度资本支出/营收 | — | 4.6% |
| 现金转化率经营现金流/净利润 | — | 6.45× |
| 过去12个月自由现金流最近4个季度 | — | $343.1M |
8季度趋势，按日历期对齐
经营现金流AXYOU
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $198.4M | ||
| Q3 25 | $118.4M | $-47.3M | ||
| Q2 25 | $490.3M | $123.0M | ||
| Q1 25 | $73.7M | $98.3M | ||
| Q4 24 | $162.5M | $136.6M | ||
| Q3 24 | $70.8M | $-35.9M | ||
| Q2 24 | $305.5M | $114.6M |
自由现金流AXYOU
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $187.4M | ||
| Q3 25 | $109.3M | $-53.5M | ||
| Q2 25 | $436.1M | $117.9M | ||
| Q1 25 | $65.1M | $91.3M | ||
| Q4 24 | $156.4M | $133.9M | ||
| Q3 24 | $53.0M | $-37.9M | ||
| Q2 24 | $269.5M | $110.1M |
自由现金流率AXYOU
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 77.8% | ||
| Q3 25 | 33.8% | -23.3% | ||
| Q2 25 | 135.7% | 53.7% | ||
| Q1 25 | 21.1% | 43.2% | ||
| Q4 24 | 50.8% | 64.9% | ||
| Q3 24 | 16.5% | -19.1% | ||
| Q2 24 | 92.6% | 59.0% |
资本支出强度AXYOU
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 4.6% | ||
| Q3 25 | 2.8% | 2.7% | ||
| Q2 25 | 16.9% | 2.3% | ||
| Q1 25 | 2.8% | 3.4% | ||
| Q4 24 | 2.0% | 1.3% | ||
| Q3 24 | 5.5% | 1.0% | ||
| Q2 24 | 12.4% | 2.4% |
现金转化率AXYOU
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 6.45× | ||
| Q3 25 | 1.05× | -1.67× | ||
| Q2 25 | 4.43× | 4.97× | ||
| Q1 25 | 0.70× | 3.87× | ||
| Q4 24 | 1.55× | 1.32× | ||
| Q3 24 | 0.63× | -1.53× | ||
| Q2 24 | 2.91× | 4.75× |
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% |
YOU
暂无分部数据
