vs
美国运通（AXP）与Better Home & Finance Holding Co（BETR）财务数据对比。点击上方公司名可切换其他公司
美国运通的季度营收约是Better Home & Finance Holding Co的15.9倍（$18.9M vs $1.2M）。美国运通净利率更高（15.7% vs -3349.0%，领先3364.7%）。美国运通同比增速更快（11.4% vs -71.1%）。过去两年Better Home & Finance Holding Co的营收复合增速更高（-35.0% vs -95.6%）
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
巴贾吉金融有限公司是印度一家可吸收存款的非银行金融机构，总部位于普纳。截至2025年9月，该公司拥有1.1064亿客户，管理资产规模达46225亿卢比，约合550亿美元，是印度知名的非银行金融服务商。
AXP vs BETR — 直观对比
营收规模更大
AXP
是对方的15.9倍
$1.2M
营收增速更快
AXP
高出82.5%
-71.1%
净利率更高
AXP
高出3364.7%
-3349.0%
两年增速更快
BETR
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $1.2M |
| 净利润 | $3.0M | $-39.9M |
| 毛利率 | — | — |
| 营业利润率 | — | -3376.8% |
| 净利率 | 15.7% | -3349.0% |
| 营收同比 | 11.4% | -71.1% |
| 净利润同比 | 15.0% | 32.6% |
| 每股收益（稀释后） | — | $-2.52 |
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AXPBETR
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $1.2M | ||
| Q3 25 | $10.4B | $2.8M | ||
| Q2 25 | $10.3B | $3.3M | ||
| Q1 25 | $9.6B | $4.0M | ||
| Q4 24 | $10.0B | $4.1M | ||
| Q3 24 | $9.7B | $3.1M | ||
| Q2 24 | $9.8B | $2.9M |
净利润AXPBETR
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-39.9M | ||
| Q3 25 | $2.9B | $-39.1M | ||
| Q2 25 | $2.9B | $-36.3M | ||
| Q1 25 | $2.6B | $-50.6M | ||
| Q4 24 | $2.2B | $-59.2M | ||
| Q3 24 | $2.5B | $-54.2M | ||
| Q2 24 | $3.0B | $-41.4M |
营业利润率AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -3376.8% | ||
| Q3 25 | 36.7% | -1403.7% | ||
| Q2 25 | 34.4% | -1096.2% | ||
| Q1 25 | 34.6% | -1250.9% | ||
| Q4 24 | 27.7% | -1428.3% | ||
| Q3 24 | 33.0% | -1761.7% | ||
| Q2 24 | 38.6% | -1428.7% |
净利率AXPBETR
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -3349.0% | ||
| Q3 25 | 27.9% | -1408.9% | ||
| Q2 25 | 28.0% | -1099.1% | ||
| Q1 25 | 26.8% | -1254.5% | ||
| Q4 24 | 21.8% | -1437.5% | ||
| Q3 24 | 25.8% | -1765.8% | ||
| Q2 24 | 30.7% | -1435.8% |
每股收益（稀释后）AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $-2.52 | ||
| Q3 25 | $4.14 | $-2.56 | ||
| Q2 25 | $4.08 | $-2.39 | ||
| Q1 25 | $3.64 | $-3.33 | ||
| Q4 24 | $3.04 | $-3.92 | ||
| Q3 24 | $3.49 | $-3.58 | ||
| Q2 24 | $4.15 | $-2.74 |
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 | — | $203.4M |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $37.2M |
| 总资产 | $308.9M | $1.5B |
| 负债/权益比越低杠杆越低 | 1.78× | — |
8季度趋势，按日历期对齐
现金及短期投资AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $203.4M | ||
| Q3 25 | $1.3B | $205.8M | ||
| Q2 25 | $197.0M | $221.5M | ||
| Q1 25 | $261.0M | $228.0M | ||
| Q4 24 | $221.0M | $264.9M | ||
| Q3 24 | $120.0M | $262.1M | ||
| Q2 24 | $188.0M | $378.8M |
总债务AXPBETR
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPBETR
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $37.2M | ||
| Q3 25 | $32.4B | $41.9M | ||
| Q2 25 | $32.3B | $76.6M | ||
| Q1 25 | $31.2B | $-102.1M | ||
| Q4 24 | $30.3B | $-58.2M | ||
| Q3 24 | $29.7B | $388.0K | ||
| Q2 24 | $29.5B | $44.9M |
总资产AXPBETR
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $1.5B | ||
| Q3 25 | $297.6B | $1.4B | ||
| Q2 25 | $295.6B | $1.2B | ||
| Q1 25 | $282.2B | $1.0B | ||
| Q4 24 | $271.5B | $913.1M | ||
| Q3 24 | $271.0B | $845.2M | ||
| Q2 24 | $272.2B | $957.9M |
负债/权益比AXPBETR
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — |
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 | — | $-57.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-57.6M |
| 自由现金流率自由现金流/营收 | — | -4833.4% |
| 资本支出强度资本支出/营收 | — | 28.9% |
| 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 | — | $-167.8M |
8季度趋势，按日历期对齐
经营现金流AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-57.3M | ||
| Q3 25 | $6.2B | $4.2M | ||
| Q2 25 | $4.4B | $-56.3M | ||
| Q1 25 | $4.8B | $-57.2M | ||
| Q4 24 | $5.8B | $-106.0M | ||
| Q3 24 | $-1.8B | $-10.6M | ||
| Q2 24 | $4.5B | $-220.6M |
自由现金流AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-57.6M | ||
| Q3 25 | $5.6B | $4.0M | ||
| Q2 25 | $3.7B | $-56.7M | ||
| Q1 25 | $4.3B | $-57.4M | ||
| Q4 24 | $5.3B | $-106.5M | ||
| Q3 24 | $-2.3B | $-11.7M | ||
| Q2 24 | $4.0B | $-221.8M |
自由现金流率AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -4833.4% | ||
| Q3 25 | 53.6% | 143.0% | ||
| Q2 25 | 36.3% | -1719.2% | ||
| Q1 25 | 45.0% | -1424.0% | ||
| Q4 24 | 53.1% | -2584.9% | ||
| Q3 24 | -23.3% | -382.7% | ||
| Q2 24 | 40.4% | -7699.9% |
资本支出强度AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 28.9% | ||
| Q3 25 | 6.3% | 8.6% | ||
| Q2 25 | 6.0% | 12.3% | ||
| Q1 25 | 4.5% | 5.0% | ||
| Q4 24 | 5.0% | 11.4% | ||
| Q3 24 | 4.7% | 38.6% | ||
| Q2 24 | 5.8% | 43.7% |
现金转化率AXPBETR
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | — |
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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
BETR
暂无分部数据
