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美国运通（AXP）与ONITY GROUP INC.（ONIT）财务数据对比。点击上方公司名可切换其他公司
ONITY GROUP INC.的季度营收约是美国运通的15.3倍（$290.0M vs $18.9M）。ONITY GROUP INC.净利率更高（43.9% vs 15.7%，领先28.1%）。ONITY GROUP INC.同比增速更快（29.0% vs 11.4%）。过去两年ONITY GROUP INC.的营收复合增速更高（10.1% 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。
奥尼提集团（原奥克文）是一家提供住宅及商业抵押贷款 servicing、特殊 servicing以及资产管理服务的供应商，业务性质也可概括为向房主收取每月本金与利息。公司成立于1988年，总部位于佛罗里达州西棕榈滩，在美国多地及菲律宾、印度都设有办公及支持运营点。
AXP vs ONIT — 直观对比
营收规模更大
ONIT
是对方的15.3倍
$18.9M
营收增速更快
ONIT
高出17.6%
11.4%
净利率更高
ONIT
高出28.1%
15.7%
两年增速更快
ONIT
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $290.0M |
| 净利润 | $3.0M | $127.2M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 15.7% | 43.9% |
| 营收同比 | 11.4% | 29.0% |
| 净利润同比 | 15.0% | 552.7% |
| 每股收益（稀释后） | — | $14.53 |
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AXPONIT
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $290.0M | ||
| Q3 25 | $10.4B | $280.3M | ||
| Q2 25 | $10.3B | $246.6M | ||
| Q1 25 | $9.6B | $249.8M | ||
| Q4 24 | $10.0B | $224.8M | ||
| Q3 24 | $9.7B | $265.7M | ||
| Q2 24 | $9.8B | $246.4M |
净利润AXPONIT
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $127.2M | ||
| Q3 25 | $2.9B | $18.7M | ||
| Q2 25 | $2.9B | $21.5M | ||
| Q1 25 | $2.6B | $22.1M | ||
| Q4 24 | $2.2B | $-28.1M | ||
| Q3 24 | $2.5B | $21.4M | ||
| Q2 24 | $3.0B | $10.5M |
营业利润率AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | — | ||
| Q3 25 | 36.7% | — | ||
| Q2 25 | 34.4% | — | ||
| Q1 25 | 34.6% | 3.6% | ||
| Q4 24 | 27.7% | -14.9% | ||
| Q3 24 | 33.0% | 10.4% | ||
| Q2 24 | 38.6% | 5.5% |
净利率AXPONIT
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 43.9% | ||
| Q3 25 | 27.9% | 6.7% | ||
| Q2 25 | 28.0% | 8.7% | ||
| Q1 25 | 26.8% | 8.8% | ||
| Q4 24 | 21.8% | -12.5% | ||
| Q3 24 | 25.8% | 8.1% | ||
| Q2 24 | 30.7% | 4.3% |
每股收益（稀释后）AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $14.53 | ||
| Q3 25 | $4.14 | $2.03 | ||
| Q2 25 | $4.08 | $2.40 | ||
| Q1 25 | $3.64 | $2.50 | ||
| Q4 24 | $3.04 | $-3.59 | ||
| Q3 24 | $3.49 | $2.65 | ||
| Q2 24 | $4.15 | $1.33 |
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 | — | $180.5M |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $627.9M |
| 总资产 | $308.9M | $16.2B |
| 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AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $180.5M | ||
| Q3 25 | $1.3B | $172.8M | ||
| Q2 25 | $197.0M | $194.3M | ||
| Q1 25 | $261.0M | $178.0M | ||
| Q4 24 | $221.0M | $184.8M | ||
| Q3 24 | $120.0M | $201.6M | ||
| Q2 24 | $188.0M | $203.1M |
总债务AXPONIT
| 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AXPONIT
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $627.9M | ||
| Q3 25 | $32.4B | $501.4M | ||
| Q2 25 | $32.3B | $481.9M | ||
| Q1 25 | $31.2B | $460.2M | ||
| Q4 24 | $30.3B | $442.9M | ||
| Q3 24 | $29.7B | $468.2M | ||
| Q2 24 | $29.5B | $446.2M |
总资产AXPONIT
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $16.2B | ||
| Q3 25 | $297.6B | $16.1B | ||
| Q2 25 | $295.6B | $16.5B | ||
| Q1 25 | $282.2B | $16.3B | ||
| Q4 24 | $271.5B | $16.4B | ||
| Q3 24 | $271.0B | $13.2B | ||
| Q2 24 | $272.2B | $13.1B |
负债/权益比AXPONIT
| 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 | — | $-230.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-232.5M |
| 自由现金流率自由现金流/营收 | — | -80.2% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | — | -1.81× |
| 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AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-230.6M | ||
| Q3 25 | $6.2B | $229.5M | ||
| Q2 25 | $4.4B | $-598.8M | ||
| Q1 25 | $4.8B | $-148.1M | ||
| Q4 24 | $5.8B | $-218.0M | ||
| Q3 24 | $-1.8B | $19.2M | ||
| Q2 24 | $4.5B | $-77.9M |
自由现金流AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-232.5M | ||
| Q3 25 | $5.6B | $228.8M | ||
| Q2 25 | $3.7B | — | ||
| Q1 25 | $4.3B | $-148.4M | ||
| Q4 24 | $5.3B | $-218.5M | ||
| Q3 24 | $-2.3B | $19.1M | ||
| Q2 24 | $4.0B | $-78.0M |
自由现金流率AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -80.2% | ||
| Q3 25 | 53.6% | 81.6% | ||
| Q2 25 | 36.3% | — | ||
| Q1 25 | 45.0% | -59.4% | ||
| Q4 24 | 53.1% | -97.2% | ||
| Q3 24 | -23.3% | 7.2% | ||
| Q2 24 | 40.4% | -31.7% |
资本支出强度AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.7% | ||
| Q3 25 | 6.3% | 0.2% | ||
| Q2 25 | 6.0% | 0.0% | ||
| Q1 25 | 4.5% | 0.1% | ||
| Q4 24 | 5.0% | 0.2% | ||
| Q3 24 | 4.7% | 0.0% | ||
| Q2 24 | 5.8% | 0.0% |
现金转化率AXPONIT
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | -1.81× | ||
| Q3 25 | 2.15× | 12.27× | ||
| Q2 25 | 1.51× | -27.85× | ||
| Q1 25 | 1.84× | -6.70× | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | 0.90× | ||
| Q2 24 | 1.50× | -7.42× |
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% |
ONIT
暂无分部数据
