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美国运通（AXP）与CareCloud, Inc.（CCLD）财务数据对比。点击上方公司名可切换其他公司
CareCloud, Inc.的季度营收约是美国运通的1.8倍（$34.4M vs $18.9M），CareCloud, Inc.同比增速更快（21.9% vs 11.4%），过去两年CareCloud, Inc.的营收复合增速更高（15.1% 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。
CareCloud, Inc.是一家上市的美国医疗信息技术企业，主要为各类医疗机构、医院提供专业医疗信息化相关服务，公司总部位于新泽西州萨默塞特，目前在全球拥有约四千名员工。
AXP vs CCLD — 直观对比
营收规模更大
CCLD
是对方的1.8倍
$18.9M
营收增速更快
CCLD
高出10.5%
11.4%
两年增速更快
CCLD
近两年复合增速
-95.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $34.4M |
| 净利润 | $3.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 9.1% |
| 净利率 | 15.7% | — |
| 营收同比 | 11.4% | 21.9% |
| 净利润同比 | 15.0% | — |
| 每股收益（稀释后） | — | $0.06 |
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AXPCCLD
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $34.4M | ||
| Q3 25 | $10.4B | $31.1M | ||
| Q2 25 | $10.3B | $27.4M | ||
| Q1 25 | $9.6B | $27.6M | ||
| Q4 24 | $10.0B | $28.2M | ||
| Q3 24 | $9.7B | $28.5M | ||
| Q2 24 | $9.8B | $28.1M |
净利润AXPCCLD
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | — | ||
| Q3 25 | $2.9B | $3.1M | ||
| Q2 25 | $2.9B | $2.9M | ||
| Q1 25 | $2.6B | $1.9M | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.5B | $3.1M | ||
| Q2 24 | $3.0B | $1.7M |
营业利润率AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 9.1% | ||
| Q3 25 | 36.7% | 10.3% | ||
| Q2 25 | 34.4% | 10.9% | ||
| Q1 25 | 34.6% | 7.3% | ||
| Q4 24 | 27.7% | 12.2% | ||
| Q3 24 | 33.0% | 11.4% | ||
| Q2 24 | 38.6% | 8.1% |
净利率AXPCCLD
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | — | ||
| Q3 25 | 27.9% | 9.8% | ||
| Q2 25 | 28.0% | 10.6% | ||
| Q1 25 | 26.8% | 7.0% | ||
| Q4 24 | 21.8% | — | ||
| Q3 24 | 25.8% | 10.9% | ||
| Q2 24 | 30.7% | 6.0% |
每股收益（稀释后）AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $0.06 | ||
| Q3 25 | $4.14 | $0.04 | ||
| Q2 25 | $4.08 | $0.04 | ||
| Q1 25 | $3.64 | $-0.04 | ||
| Q4 24 | $3.04 | $0.00 | ||
| Q3 24 | $3.49 | $-0.04 | ||
| Q2 24 | $4.15 | $-0.14 |
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 | — | — |
| 总债务越低越好 | $60.4M | $1.2M |
| 股东权益账面价值 | $34.0M | $59.5M |
| 总资产 | $308.9M | $87.6M |
| 负债/权益比越低杠杆越低 | 1.78× | 0.02× |
8季度趋势，按日历期对齐
现金及短期投资AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $197.0M | — | ||
| Q1 25 | $261.0M | — | ||
| Q4 24 | $221.0M | — | ||
| Q3 24 | $120.0M | — | ||
| Q2 24 | $188.0M | — |
总债务AXPCCLD
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | $1.2M | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | $336.0K | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPCCLD
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $59.5M | ||
| Q3 25 | $32.4B | $57.8M | ||
| Q2 25 | $32.3B | $56.1M | ||
| Q1 25 | $31.2B | $54.2M | ||
| Q4 24 | $30.3B | $49.8M | ||
| Q3 24 | $29.7B | $46.5M | ||
| Q2 24 | $29.5B | $43.2M |
总资产AXPCCLD
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $87.6M | ||
| Q3 25 | $297.6B | $90.6M | ||
| Q2 25 | $295.6B | $75.2M | ||
| Q1 25 | $282.2B | $73.6M | ||
| Q4 24 | $271.5B | $71.6M | ||
| Q3 24 | $271.0B | $70.7M | ||
| Q2 24 | $272.2B | $74.0M |
负债/权益比AXPCCLD
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | 0.02× | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | 0.01× | ||
| 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 | — | $8.7M |
| 自由现金流经营现金流 - 资本支出 | — | $6.6M |
| 自由现金流率自由现金流/营收 | — | 19.0% |
| 资本支出强度资本支出/营收 | — | 6.2% |
| 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 | — | $23.8M |
8季度趋势，按日历期对齐
经营现金流AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $8.7M | ||
| Q3 25 | $6.2B | $7.4M | ||
| Q2 25 | $4.4B | $7.4M | ||
| Q1 25 | $4.8B | $5.1M | ||
| Q4 24 | $5.8B | $5.2M | ||
| Q3 24 | $-1.8B | $7.1M | ||
| Q2 24 | $4.5B | $4.3M |
自由现金流AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $6.6M | ||
| Q3 25 | $5.6B | $6.5M | ||
| Q2 25 | $3.7B | $6.2M | ||
| Q1 25 | $4.3B | $4.5M | ||
| Q4 24 | $5.3B | $4.3M | ||
| Q3 24 | $-2.3B | $6.7M | ||
| Q2 24 | $4.0B | $4.2M |
自由现金流率AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | 19.0% | ||
| Q3 25 | 53.6% | 20.9% | ||
| Q2 25 | 36.3% | 22.8% | ||
| Q1 25 | 45.0% | 16.2% | ||
| Q4 24 | 53.1% | 15.2% | ||
| Q3 24 | -23.3% | 23.6% | ||
| Q2 24 | 40.4% | 14.8% |
资本支出强度AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 6.2% | ||
| Q3 25 | 6.3% | 2.8% | ||
| Q2 25 | 6.0% | 4.2% | ||
| Q1 25 | 4.5% | 2.3% | ||
| Q4 24 | 5.0% | 3.3% | ||
| Q3 24 | 4.7% | 1.2% | ||
| Q2 24 | 5.8% | 0.5% |
现金转化率AXPCCLD
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | 2.41× | ||
| Q2 25 | 1.51× | 2.55× | ||
| Q1 25 | 1.84× | 2.62× | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | 2.26× | ||
| Q2 24 | 1.50× | 2.56× |
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% |
CCLD
| Healthcare IT | $31.0M | 90% |
| Medical Practice Management | $3.4M | 10% |
