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美国运通（AXP）与Ispire Technology Inc.（ISPR）财务数据对比。点击上方公司名可切换其他公司
Ispire Technology Inc.的季度营收约是美国运通的1.1倍（$20.3M vs $18.9M），美国运通净利率更高（15.7% vs -32.5%，领先48.3%），美国运通同比增速更快（11.4% vs -51.5%），过去两年Ispire Technology Inc.的营收复合增速更高（-17.8% 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。
Ispire科技是一家专注于先进雾化硬件及配套耗材研发、生产与销售的全球化科技企业，主要服务尼古丁及合法大麻消费市场，下设硬件、品牌大麻产品两大核心业务板块，覆盖北美、欧洲、亚太等核心市场，为B端合作商及终端用户提供合规创新的雾化解决方案。
AXP vs ISPR — 直观对比
营收规模更大
ISPR
是对方的1.1倍
$18.9M
营收增速更快
AXP
高出62.9%
-51.5%
净利率更高
AXP
高出48.3%
-32.5%
两年增速更快
ISPR
近两年复合增速
-95.6%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $20.3M |
| 净利润 | $3.0M | $-6.6M |
| 毛利率 | — | 17.1% |
| 营业利润率 | — | -33.9% |
| 净利率 | 15.7% | -32.5% |
| 营收同比 | 11.4% | -51.5% |
| 净利润同比 | 15.0% | 17.4% |
| 每股收益（稀释后） | — | $-0.12 |
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AXPISPR
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $20.3M | ||
| Q3 25 | $10.4B | $30.4M | ||
| Q2 25 | $10.3B | $20.1M | ||
| Q1 25 | $9.6B | $26.2M | ||
| Q4 24 | $10.0B | $41.8M | ||
| Q3 24 | $9.7B | $39.3M | ||
| Q2 24 | $9.8B | $37.3M |
净利润AXPISPR
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-6.6M | ||
| Q3 25 | $2.9B | $-3.3M | ||
| Q2 25 | $2.9B | $-14.8M | ||
| Q1 25 | $2.6B | $-10.9M | ||
| Q4 24 | $2.2B | $-8.0M | ||
| Q3 24 | $2.5B | $-5.6M | ||
| Q2 24 | $3.0B | $-3.5M |
毛利率AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | — | 17.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 12.3% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 18.5% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 28.3% |
营业利润率AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -33.9% | ||
| Q3 25 | 36.7% | -8.9% | ||
| Q2 25 | 34.4% | -72.7% | ||
| Q1 25 | 34.6% | -40.4% | ||
| Q4 24 | 27.7% | -17.6% | ||
| Q3 24 | 33.0% | -13.4% | ||
| Q2 24 | 38.6% | -9.2% |
净利率AXPISPR
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -32.5% | ||
| Q3 25 | 27.9% | -10.7% | ||
| Q2 25 | 28.0% | -73.4% | ||
| Q1 25 | 26.8% | -41.5% | ||
| Q4 24 | 21.8% | -19.1% | ||
| Q3 24 | 25.8% | -14.2% | ||
| Q2 24 | 30.7% | -9.4% |
每股收益（稀释后）AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $-0.12 | ||
| Q3 25 | $4.14 | $-0.06 | ||
| Q2 25 | $4.08 | $-0.26 | ||
| Q1 25 | $3.64 | $-0.19 | ||
| Q4 24 | $3.04 | $-0.14 | ||
| Q3 24 | $3.49 | $-0.10 | ||
| Q2 24 | $4.15 | $-0.07 |
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 | — | $17.6M |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $-7.7M |
| 总资产 | $308.9M | $84.4M |
| 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AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $17.6M | ||
| Q3 25 | $1.3B | $22.7M | ||
| Q2 25 | $197.0M | $24.4M | ||
| Q1 25 | $261.0M | $23.5M | ||
| Q4 24 | $221.0M | $34.4M | ||
| Q3 24 | $120.0M | $37.7M | ||
| Q2 24 | $188.0M | $35.1M |
总债务AXPISPR
| 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AXPISPR
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $-7.7M | ||
| Q3 25 | $32.4B | $-1.8M | ||
| Q2 25 | $32.3B | $604.7K | ||
| Q1 25 | $31.2B | $14.8M | ||
| Q4 24 | $30.3B | $24.2M | ||
| Q3 24 | $29.7B | $30.7M | ||
| Q2 24 | $29.5B | $34.5M |
总资产AXPISPR
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $84.4M | ||
| Q3 25 | $297.6B | $96.4M | ||
| Q2 25 | $295.6B | $102.2M | ||
| Q1 25 | $282.2B | $115.7M | ||
| Q4 24 | $271.5B | $132.0M | ||
| Q3 24 | $271.0B | $129.0M | ||
| Q2 24 | $272.2B | $122.6M |
负债/权益比AXPISPR
| 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 | — | $-4.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-4.0M |
| 自由现金流率自由现金流/营收 | — | -19.9% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $-14.2M |
8季度趋势，按日历期对齐
经营现金流AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-4.0M | ||
| Q3 25 | $6.2B | $-1.2M | ||
| Q2 25 | $4.4B | $4.7M | ||
| Q1 25 | $4.8B | $-12.5M | ||
| Q4 24 | $5.8B | $-3.2M | ||
| Q3 24 | $-1.8B | $3.6M | ||
| Q2 24 | $4.5B | $-1.4M |
自由现金流AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-4.0M | ||
| Q3 25 | $5.6B | $-1.2M | ||
| Q2 25 | $3.7B | $3.7M | ||
| Q1 25 | $4.3B | $-12.7M | ||
| Q4 24 | $5.3B | $-3.2M | ||
| Q3 24 | $-2.3B | $3.3M | ||
| Q2 24 | $4.0B | $-2.2M |
自由现金流率AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -19.9% | ||
| Q3 25 | 53.6% | -3.9% | ||
| Q2 25 | 36.3% | 18.6% | ||
| Q1 25 | 45.0% | -48.4% | ||
| Q4 24 | 53.1% | -7.7% | ||
| Q3 24 | -23.3% | 8.5% | ||
| Q2 24 | 40.4% | -5.9% |
资本支出强度AXPISPR
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.3% | ||
| Q3 25 | 6.3% | 0.0% | ||
| Q2 25 | 6.0% | 4.8% | ||
| Q1 25 | 4.5% | 0.7% | ||
| Q4 24 | 5.0% | 0.1% | ||
| Q3 24 | 4.7% | 0.7% | ||
| Q2 24 | 5.8% | 2.0% |
现金转化率AXPISPR
| 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% |
ISPR
暂无分部数据
