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美国运通（AXP）与Fidelity National Financial, Inc.（FNF）财务数据对比。点击上方公司名可切换其他公司
Fidelity National Financial, Inc.的季度营收约是美国运通的28.8倍（$544.0M vs $18.9M）。美国运通净利率更高（15.7% vs -21.5%，领先37.2%）。美国运通同比增速更快（11.4% vs 10.3%）。过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% 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。
富达国民金融是美国财富500强企业，主要面向房地产与抵押贷款行业提供产权保险及交割服务，2019年其产权及房地产业务相关年度营收约为84.69亿美元，是全球领先的产权保险服务供应商。
AXP vs FNF — 直观对比
营收规模更大
FNF
是对方的28.8倍
$18.9M
营收增速更快
AXP
高出1.1%
10.3%
净利率更高
AXP
高出37.2%
-21.5%
两年增速更快
FNF
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $544.0M |
| 净利润 | $3.0M | $-117.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 82.9% |
| 净利率 | 15.7% | -21.5% |
| 营收同比 | 11.4% | 10.3% |
| 净利润同比 | 15.0% | -126.0% |
| 每股收益（稀释后） | — | $-0.44 |
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AXPFNF
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $544.0M | ||
| Q3 25 | $10.4B | $553.0M | ||
| Q2 25 | $10.3B | $547.0M | ||
| Q1 25 | $9.6B | $455.0M | ||
| Q4 24 | $10.0B | $493.0M | ||
| Q3 24 | $9.7B | $506.0M | ||
| Q2 24 | $9.8B | $504.0M |
净利润AXPFNF
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-117.0M | ||
| Q3 25 | $2.9B | $358.0M | ||
| Q2 25 | $2.9B | $278.0M | ||
| Q1 25 | $2.6B | $83.0M | ||
| Q4 24 | $2.2B | $450.0M | ||
| Q3 24 | $2.5B | $266.0M | ||
| Q2 24 | $3.0B | $306.0M |
营业利润率AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 82.9% | ||
| Q3 25 | 36.7% | 81.9% | ||
| Q2 25 | 34.4% | 69.8% | ||
| Q1 25 | 34.6% | 24.4% | ||
| Q4 24 | 27.7% | — | ||
| Q3 24 | 33.0% | 61.9% | ||
| Q2 24 | 38.6% | 90.9% |
净利率AXPFNF
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -21.5% | ||
| Q3 25 | 27.9% | 64.7% | ||
| Q2 25 | 28.0% | 50.8% | ||
| Q1 25 | 26.8% | 18.2% | ||
| Q4 24 | 21.8% | 91.3% | ||
| Q3 24 | 25.8% | 52.6% | ||
| Q2 24 | 30.7% | 60.7% |
每股收益（稀释后）AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $-0.44 | ||
| Q3 25 | $4.14 | $1.33 | ||
| Q2 25 | $4.08 | $1.02 | ||
| Q1 25 | $3.64 | $0.30 | ||
| Q4 24 | $3.04 | $1.65 | ||
| Q3 24 | $3.49 | $0.97 | ||
| Q2 24 | $4.15 | $1.12 |
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 | — | $2.6B |
| 总债务越低越好 | $60.4M | $4.4B |
| 股东权益账面价值 | $34.0M | $7.4B |
| 总资产 | $308.9M | $109.0B |
| 负债/权益比越低杠杆越低 | 1.78× | 0.59× |
8季度趋势，按日历期对齐
现金及短期投资AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $2.6B | ||
| Q3 25 | $1.3B | $3.5B | ||
| Q2 25 | $197.0M | $3.3B | ||
| Q1 25 | $261.0M | $4.5B | ||
| Q4 24 | $221.0M | $3.5B | ||
| Q3 24 | $120.0M | $5.0B | ||
| Q2 24 | $188.0M | $4.9B |
总债务AXPFNF
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | $4.4B | ||
| Q3 25 | $57.8B | $4.4B | ||
| Q2 25 | $58.2B | $4.4B | ||
| Q1 25 | $51.2B | $4.4B | ||
| Q4 24 | $49.7B | $4.3B | ||
| Q3 24 | $53.5B | $4.2B | ||
| Q2 24 | $51.5B | $4.2B |
股东权益AXPFNF
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $7.4B | ||
| Q3 25 | $32.4B | $8.4B | ||
| Q2 25 | $32.3B | $7.9B | ||
| Q1 25 | $31.2B | $7.9B | ||
| Q4 24 | $30.3B | $7.8B | ||
| Q3 24 | $29.7B | $8.1B | ||
| Q2 24 | $29.5B | $7.3B |
总资产AXPFNF
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $109.0B | ||
| Q3 25 | $297.6B | $106.6B | ||
| Q2 25 | $295.6B | $102.3B | ||
| Q1 25 | $282.2B | $98.2B | ||
| Q4 24 | $271.5B | $95.4B | ||
| Q3 24 | $271.0B | $94.7B | ||
| Q2 24 | $272.2B | $88.8B |
负债/权益比AXPFNF
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | 0.59× | ||
| Q3 25 | 1.78× | 0.53× | ||
| Q2 25 | 1.80× | 0.56× | ||
| Q1 25 | 1.64× | 0.56× | ||
| Q4 24 | 1.64× | 0.56× | ||
| Q3 24 | 1.80× | 0.52× | ||
| Q2 24 | 1.74× | 0.58× |
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 | — | $1.5B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $6.2B | $1.3B | ||
| Q2 25 | $4.4B | $1.9B | ||
| Q1 25 | $4.8B | $1.1B | ||
| Q4 24 | $5.8B | $1.5B | ||
| Q3 24 | $-1.8B | $2.4B | ||
| Q2 24 | $4.5B | $1.4B |
自由现金流AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | — | ||
| Q3 25 | $5.6B | — | ||
| Q2 25 | $3.7B | — | ||
| Q1 25 | $4.3B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $-2.3B | — | ||
| Q2 24 | $4.0B | — |
自由现金流率AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | — | ||
| Q3 25 | 53.6% | — | ||
| Q2 25 | 36.3% | — | ||
| Q1 25 | 45.0% | — | ||
| Q4 24 | 53.1% | — | ||
| Q3 24 | -23.3% | — | ||
| Q2 24 | 40.4% | — |
资本支出强度AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | — | ||
| Q3 25 | 6.3% | — | ||
| Q2 25 | 6.0% | — | ||
| Q1 25 | 4.5% | — | ||
| Q4 24 | 5.0% | — | ||
| Q3 24 | 4.7% | — | ||
| Q2 24 | 5.8% | — |
现金转化率AXPFNF
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | 3.66× | ||
| Q2 25 | 1.51× | 6.82× | ||
| Q1 25 | 1.84× | 13.43× | ||
| Q4 24 | 2.66× | 3.32× | ||
| Q3 24 | -0.72× | 8.89× | ||
| Q2 24 | 1.50× | 4.45× |
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% |
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
