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美国运通（AXP）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
RYDER SYSTEM INC的季度营收约是美国运通的1.2倍（$13.1B vs $10.9B），美国运通净利率更高（22.5% vs 0.7%，领先21.8%），美国运通同比增速更快（9.9% vs 1.0%），美国运通自由现金流更多（$2.3B vs $273.0M），过去两年RYDER SYSTEM INC的营收复合增速更高（102.9% vs 8.2%）
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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
AXP vs R — 直观对比
营收规模更大
R
是对方的1.2倍
$10.9B
营收增速更快
AXP
高出8.9%
1.0%
净利率更高
AXP
高出21.8%
0.7%
自由现金流更多
AXP
多$2.1B
$273.0M
两年增速更快
R
近两年复合增速
8.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $10.9B | $13.1B |
| 净利润 | $2.5B | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.2% | — |
| 净利率 | 22.5% | 0.7% |
| 营收同比 | 9.9% | 1.0% |
| 净利润同比 | 13.5% | -5.1% |
| 每股收益（稀释后） | $3.52 | $2.34 |
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AXPR
| Q1 26 | — | $13.1B | ||
| Q4 25 | $10.9B | $3.2B | ||
| Q3 25 | $10.4B | $3.2B | ||
| Q2 25 | $10.3B | $3.2B | ||
| Q1 25 | $9.6B | $3.1B | ||
| Q4 24 | $10.0B | $3.2B | ||
| Q3 24 | $9.7B | $3.2B | ||
| Q2 24 | $9.8B | $3.2B |
净利润AXPR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $2.5B | $132.0M | ||
| Q3 25 | $2.9B | $138.0M | ||
| Q2 25 | $2.9B | $131.0M | ||
| Q1 25 | $2.6B | $98.0M | ||
| Q4 24 | $2.2B | $135.0M | ||
| Q3 24 | $2.5B | $142.0M | ||
| Q2 24 | $3.0B | $127.0M |
营业利润率AXPR
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 5.6% | ||
| Q3 25 | 36.7% | 6.0% | ||
| Q2 25 | 34.4% | 5.8% | ||
| Q1 25 | 34.6% | 4.3% | ||
| Q4 24 | 27.7% | 5.7% | ||
| Q3 24 | 33.0% | 5.9% | ||
| Q2 24 | 38.6% | 5.6% |
净利率AXPR
| Q1 26 | — | 0.7% | ||
| Q4 25 | 22.5% | 4.2% | ||
| Q3 25 | 27.9% | 4.4% | ||
| Q2 25 | 28.0% | 4.1% | ||
| Q1 25 | 26.8% | 3.1% | ||
| Q4 24 | 21.8% | 4.2% | ||
| Q3 24 | 25.8% | 4.5% | ||
| Q2 24 | 30.7% | 4.0% |
每股收益（稀释后）AXPR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $3.52 | $3.22 | ||
| Q3 25 | $4.14 | $3.32 | ||
| Q2 25 | $4.08 | $3.13 | ||
| Q1 25 | $3.64 | $2.27 | ||
| Q4 24 | $3.04 | $3.09 | ||
| Q3 24 | $3.49 | $3.24 | ||
| Q2 24 | $4.15 | $2.84 |
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 | $742.0M | $182.0M |
| 总债务越低越好 | $56.4B | — |
| 股东权益账面价值 | $33.5B | $2.9B |
| 总资产 | $300.1B | — |
| 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AXPR
| Q1 26 | — | $182.0M | ||
| Q4 25 | $742.0M | $198.0M | ||
| Q3 25 | $1.3B | $189.0M | ||
| Q2 25 | $197.0M | $180.0M | ||
| Q1 25 | $261.0M | $151.0M | ||
| Q4 24 | $221.0M | $154.0M | ||
| Q3 24 | $120.0M | $162.0M | ||
| Q2 24 | $188.0M | $164.0M |
总债务AXPR
| Q1 26 | — | — | ||
| Q4 25 | $56.4B | $6.8B | ||
| Q3 25 | $57.8B | $7.3B | ||
| Q2 25 | $58.2B | $7.0B | ||
| Q1 25 | $51.2B | $6.7B | ||
| Q4 24 | $49.7B | $6.7B | ||
| Q3 24 | $53.5B | $6.6B | ||
| Q2 24 | $51.5B | $6.5B |
股东权益AXPR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $33.5B | $3.1B | ||
| Q3 25 | $32.4B | $3.1B | ||
| Q2 25 | $32.3B | $3.1B | ||
| Q1 25 | $31.2B | $3.0B | ||
| Q4 24 | $30.3B | $3.1B | ||
| Q3 24 | $29.7B | $3.1B | ||
| Q2 24 | $29.5B | $3.1B |
总资产AXPR
| Q1 26 | — | — | ||
| Q4 25 | $300.1B | $16.4B | ||
| Q3 25 | $297.6B | $16.5B | ||
| Q2 25 | $295.6B | $16.5B | ||
| Q1 25 | $282.2B | $16.4B | ||
| Q4 24 | $271.5B | $16.7B | ||
| Q3 24 | $271.0B | $16.5B | ||
| Q2 24 | $272.2B | $16.4B |
负债/权益比AXPR
| Q1 26 | — | — | ||
| Q4 25 | 1.68× | 2.24× | ||
| Q3 25 | 1.78× | 2.35× | ||
| Q2 25 | 1.80× | 2.27× | ||
| Q1 25 | 1.64× | 2.21× | ||
| Q4 24 | 1.64× | 2.14× | ||
| Q3 24 | 1.80× | 2.17× | ||
| Q2 24 | 1.74× | 2.09× |
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 | $3.1B | $583.0M |
| 自由现金流经营现金流 - 资本支出 | $2.3B | $273.0M |
| 自由现金流率自由现金流/营收 | 21.4% | 2.1% |
| 资本支出强度资本支出/营收 | 6.6% | 3.3% |
| 现金转化率经营现金流/净利润 | 1.25× | 6.27× |
| 过去12个月自由现金流最近4个季度 | $16.0B | $595.0M |
8季度趋势，按日历期对齐
经营现金流AXPR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $3.1B | $749.0M | ||
| Q3 25 | $6.2B | $442.0M | ||
| Q2 25 | $4.4B | $752.0M | ||
| Q1 25 | $4.8B | $651.0M | ||
| Q4 24 | $5.8B | $558.0M | ||
| Q3 24 | $-1.8B | $629.0M | ||
| Q2 24 | $4.5B | $552.0M |
自由现金流AXPR
| Q1 26 | — | $273.0M | ||
| Q4 25 | $2.3B | $344.0M | ||
| Q3 25 | $5.6B | $-85.0M | ||
| Q2 25 | $3.7B | $63.0M | ||
| Q1 25 | $4.3B | $137.0M | ||
| Q4 24 | $5.3B | $-201.0M | ||
| Q3 24 | $-2.3B | $30.0M | ||
| Q2 24 | $4.0B | $-87.0M |
自由现金流率AXPR
| Q1 26 | — | 2.1% | ||
| Q4 25 | 21.4% | 10.8% | ||
| Q3 25 | 53.6% | -2.7% | ||
| Q2 25 | 36.3% | 2.0% | ||
| Q1 25 | 45.0% | 4.4% | ||
| Q4 24 | 53.1% | -6.3% | ||
| Q3 24 | -23.3% | 0.9% | ||
| Q2 24 | 40.4% | -2.7% |
资本支出强度AXPR
| Q1 26 | — | 3.3% | ||
| Q4 25 | 6.6% | 12.8% | ||
| Q3 25 | 6.3% | 16.6% | ||
| Q2 25 | 6.0% | 21.6% | ||
| Q1 25 | 4.5% | 16.4% | ||
| Q4 24 | 5.0% | 23.8% | ||
| Q3 24 | 4.7% | 18.9% | ||
| Q2 24 | 5.8% | 20.1% |
现金转化率AXPR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 1.25× | 5.67× | ||
| Q3 25 | 2.15× | 3.20× | ||
| Q2 25 | 1.51× | 5.74× | ||
| Q1 25 | 1.84× | 6.64× | ||
| Q4 24 | 2.66× | 4.13× | ||
| Q3 24 | -0.72× | 4.43× | ||
| Q2 24 | 1.50× | 4.35× |
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% |
R
暂无分部数据
