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美国运通（AXP）与LM FUNDING AMERICA, INC.（LMFA）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LM FUNDING AMERICA, INC.的4623.2倍（$10.9B vs $2.4M），LM FUNDING AMERICA, INC.同比增速更快（19.2% vs 9.9%），美国运通自由现金流更多（$2.3B vs $-16.2M），过去两年美国运通的营收复合增速更高（8.2% vs -29.4%）
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。
LM Funding America, Inc.是一家总部位于美国的专业金融服务企业，主要业务为收购、管理及处置逾期不动产税收留置权，服务于美国多地地方政府机构与房地产市场参与主体，核心业务板块聚焦于财产税债权相关的另类资产投资。
AXP vs LMFA — 直观对比
营收规模更大
AXP
是对方的4623.2倍
$2.4M
LM
营收增速更快
LM
LMFA
高出9.3%
LM
19.2%9.9%
自由现金流更多
AXP
多$2.4B
$-16.2M
LM
两年增速更快
AXP
近两年复合增速
-29.4%
LM
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | LM LMFA |
|---|---|---|
| 营收 | $10.9B | $2.4M |
| 净利润 | $2.5B | — |
| 毛利率 | — | — |
| 营业利润率 | 28.2% | — |
| 净利率 | 22.5% | — |
| 营收同比 | 9.9% | 19.2% |
| 净利润同比 | 13.5% | — |
| 每股收益（稀释后） | $3.52 | — |
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AXP
LM
LMFA| Q4 25 | $10.9B | $2.4M | ||
| Q3 25 | $10.4B | $2.2M | ||
| Q2 25 | $10.3B | $1.9M | ||
| Q1 25 | $9.6B | $2.4M | ||
| Q4 24 | $10.0B | $2.0M | ||
| Q3 24 | $9.7B | $1.3M | ||
| Q2 24 | $9.8B | $3.0M | ||
| Q1 24 | $9.3B | $4.7M |
净利润AXP
LM
LMFA| Q4 25 | $2.5B | — | ||
| Q3 25 | $2.9B | $-3.7M | ||
| Q2 25 | $2.9B | $100.6K | ||
| Q1 25 | $2.6B | $-5.4M | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.5B | $-4.3M | ||
| Q2 24 | $3.0B | $-5.6M | ||
| Q1 24 | $2.4B | $1.9M |
营业利润率AXP
LM
LMFA| Q4 25 | 28.2% | — | ||
| Q3 25 | 36.7% | -161.5% | ||
| Q2 25 | 34.4% | 22.0% | ||
| Q1 25 | 34.6% | -215.1% | ||
| Q4 24 | 27.7% | — | ||
| Q3 24 | 33.0% | -318.6% | ||
| Q2 24 | 38.6% | -143.2% | ||
| Q1 24 | 33.7% | 21.2% |
净利率AXP
LM
LMFA| Q4 25 | 22.5% | — | ||
| Q3 25 | 27.9% | -171.2% | ||
| Q2 25 | 28.0% | 5.2% | ||
| Q1 25 | 26.8% | -227.7% | ||
| Q4 24 | 21.8% | — | ||
| Q3 24 | 25.8% | -341.2% | ||
| Q2 24 | 30.7% | -186.2% | ||
| Q1 24 | 26.1% | 40.9% |
每股收益（稀释后）AXP
LM
LMFA| Q4 25 | $3.52 | — | ||
| Q3 25 | $4.14 | $-0.41 | ||
| Q2 25 | $4.08 | $0.02 | ||
| Q1 25 | $3.64 | $-1.05 | ||
| Q4 24 | $3.04 | — | ||
| Q3 24 | $3.49 | $-2.25 | ||
| Q2 24 | $4.15 | $-2.26 | ||
| Q1 24 | $3.33 | $0.80 |
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 | | LM LMFA |
|---|---|---|
| 现金及短期投资手头流动性 | $742.0M | $37.4K |
| 总债务越低越好 | $56.4B | — |
| 股东权益账面价值 | $33.5B | $30.6M |
| 总资产 | $300.1B | $51.3M |
| 负债/权益比越低杠杆越低 | 1.68× | — |
8季度趋势，按日历期对齐
现金及短期投资AXP
LM
LMFA| Q4 25 | $742.0M | $37.4K | ||
| Q3 25 | $1.3B | $23.6K | ||
| Q2 25 | $197.0M | $13.2K | ||
| Q1 25 | $261.0M | $18.3K | ||
| Q4 24 | $221.0M | $27.1K | ||
| Q3 24 | $120.0M | $18.8K | ||
| Q2 24 | $188.0M | $22.1K | ||
| Q1 24 | $69.0M | $15.7K |
总债务AXP
LM
LMFA| 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 | — | ||
| Q1 24 | $48.8B | — |
股东权益AXP
LM
LMFA| Q4 25 | $33.5B | $30.6M | ||
| Q3 25 | $32.4B | $50.1M | ||
| Q2 25 | $32.3B | $31.9M | ||
| Q1 25 | $31.2B | $31.7M | ||
| Q4 24 | $30.3B | $37.0M | ||
| Q3 24 | $29.7B | $30.2M | ||
| Q2 24 | $29.5B | $32.5M | ||
| Q1 24 | $28.8B | $38.5M |
总资产AXP
LM
LMFA| Q4 25 | $300.1B | $51.3M | ||
| Q3 25 | $297.6B | $60.2M | ||
| Q2 25 | $295.6B | $39.0M | ||
| Q1 25 | $282.2B | $39.1M | ||
| Q4 24 | $271.5B | $44.0M | ||
| Q3 24 | $271.0B | $37.9M | ||
| Q2 24 | $272.2B | $35.1M | ||
| Q1 24 | $269.3B | $40.6M |
负债/权益比AXP
LM
LMFA| 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× | — | ||
| Q1 24 | 1.70× | — |
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 | | LM LMFA |
|---|---|---|
| 经营现金流最新季度 | $3.1B | $-14.0M |
| 自由现金流经营现金流 - 资本支出 | $2.3B | $-16.2M |
| 自由现金流率自由现金流/营收 | 21.4% | -684.3% |
| 资本支出强度资本支出/营收 | 6.6% | 93.2% |
| 现金转化率经营现金流/净利润 | 1.25× | — |
| 过去12个月自由现金流最近4个季度 | $16.0B | $-25.6M |
8季度趋势，按日历期对齐
经营现金流AXP
LM
LMFA| Q4 25 | $3.1B | $-14.0M | ||
| Q3 25 | $6.2B | $-3.1M | ||
| Q2 25 | $4.4B | $-2.8M | ||
| Q1 25 | $4.8B | $-2.9M | ||
| Q4 24 | $5.8B | $-11.9M | ||
| Q3 24 | $-1.8B | $-2.7M | ||
| Q2 24 | $4.5B | $-3.0M | ||
| Q1 24 | $5.6B | $-3.0M |
自由现金流AXP
LM
LMFA| Q4 25 | $2.3B | $-16.2M | ||
| Q3 25 | $5.6B | $-3.3M | ||
| Q2 25 | $3.7B | $-3.0M | ||
| Q1 25 | $4.3B | $-3.1M | ||
| Q4 24 | $5.3B | $-13.7M | ||
| Q3 24 | $-2.3B | $-2.7M | ||
| Q2 24 | $4.0B | $-4.2M | ||
| Q1 24 | $5.2B | — |
自由现金流率AXP
LM
LMFA| Q4 25 | 21.4% | -684.3% | ||
| Q3 25 | 53.6% | -152.1% | ||
| Q2 25 | 36.3% | -156.7% | ||
| Q1 25 | 45.0% | -129.4% | ||
| Q4 24 | 53.1% | -689.0% | ||
| Q3 24 | -23.3% | -215.3% | ||
| Q2 24 | 40.4% | -140.9% | ||
| Q1 24 | 55.2% | — |
资本支出强度AXP
LM
LMFA| Q4 25 | 6.6% | 93.2% | ||
| Q3 25 | 6.3% | 11.9% | ||
| Q2 25 | 6.0% | 10.7% | ||
| Q1 25 | 4.5% | 7.2% | ||
| Q4 24 | 5.0% | 87.3% | ||
| Q3 24 | 4.7% | 0.1% | ||
| Q2 24 | 5.8% | 40.7% | ||
| Q1 24 | 4.2% | 0.0% |
现金转化率AXP
LM
LMFA| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | -27.99× | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | — | ||
| Q1 24 | 2.28× | -1.53× |
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
| US Consumer Services Segment | $4.2B | 38% |
| Commercial Services Segment | $3.1B | 28% |
| International Card Services Segment | $2.1B | 19% |
| Global Merchant And Network Services Segment | $1.7B | 15% |
| Financial Service Other | $471.0M | 4% |
LMLMFA
暂无分部数据
