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美国运通（AXP）与Rocket Companies, Inc.（RKT）财务数据对比。点击上方公司名可切换其他公司
Rocket Companies, Inc.的季度营收约是美国运通的142.4倍（$2.7B vs $18.9M）。美国运通净利率更高（15.7% vs 2.5%，领先13.2%）。Rocket Companies, Inc.同比增速更快（52.2% vs 11.4%）。过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% 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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
AXP vs RKT — 直观对比
营收规模更大
RKT
是对方的142.4倍
$18.9M
营收增速更快
RKT
高出40.7%
11.4%
净利率更高
AXP
高出13.2%
2.5%
两年增速更快
RKT
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $2.7B |
| 净利润 | $3.0M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 15.7% | 2.5% |
| 营收同比 | 11.4% | 52.2% |
| 净利润同比 | 15.0% | 100.8% |
| 每股收益（稀释后） | — | $0.10 |
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AXPRKT
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $2.7B | ||
| Q3 25 | $10.4B | $1.6B | ||
| Q2 25 | $10.3B | $1.4B | ||
| Q1 25 | $9.6B | $1.0B | ||
| Q4 24 | $10.0B | $1.8B | ||
| Q3 24 | $9.7B | $646.9M | ||
| Q2 24 | $9.8B | $1.3B |
净利润AXPRKT
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $68.0M | ||
| Q3 25 | $2.9B | $-123.9M | ||
| Q2 25 | $2.9B | $-1.8M | ||
| Q1 25 | $2.6B | $-10.4M | ||
| Q4 24 | $2.2B | $33.9M | ||
| Q3 24 | $2.5B | $-22.0M | ||
| Q2 24 | $3.0B | $1.3M |
毛利率AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% |
营业利润率AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 6.3% | ||
| Q3 25 | 36.7% | -11.5% | ||
| Q2 25 | 34.4% | 1.8% | ||
| Q1 25 | 34.6% | -21.5% | ||
| Q4 24 | 27.7% | 38.1% | ||
| Q3 24 | 33.0% | -76.9% | ||
| Q2 24 | 38.6% | 14.8% |
净利率AXPRKT
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 2.5% | ||
| Q3 25 | 27.9% | -7.7% | ||
| Q2 25 | 28.0% | -0.1% | ||
| Q1 25 | 26.8% | -1.0% | ||
| Q4 24 | 21.8% | 1.9% | ||
| Q3 24 | 25.8% | -3.4% | ||
| Q2 24 | 30.7% | 0.1% |
每股收益（稀释后）AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $0.10 | ||
| Q3 25 | $4.14 | $-0.06 | ||
| Q2 25 | $4.08 | $-0.01 | ||
| Q1 25 | $3.64 | $-0.08 | ||
| Q4 24 | $3.04 | $0.28 | ||
| Q3 24 | $3.49 | $-0.19 | ||
| Q2 24 | $4.15 | $0.01 |
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 | — | $2.7B |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $22.9B |
| 总资产 | $308.9M | $60.7B |
| 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AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $2.7B | ||
| Q3 25 | $1.3B | $5.8B | ||
| Q2 25 | $197.0M | $5.1B | ||
| Q1 25 | $261.0M | $1.4B | ||
| Q4 24 | $221.0M | $1.3B | ||
| Q3 24 | $120.0M | $1.2B | ||
| Q2 24 | $188.0M | $1.3B |
总债务AXPRKT
| 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AXPRKT
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $22.9B | ||
| Q3 25 | $32.4B | $8.9B | ||
| Q2 25 | $32.3B | $7.4B | ||
| Q1 25 | $31.2B | $8.6B | ||
| Q4 24 | $30.3B | $9.0B | ||
| Q3 24 | $29.7B | $8.4B | ||
| Q2 24 | $29.5B | $8.8B |
总资产AXPRKT
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $60.7B | ||
| Q3 25 | $297.6B | $33.6B | ||
| Q2 25 | $295.6B | $30.4B | ||
| Q1 25 | $282.2B | $25.3B | ||
| Q4 24 | $271.5B | $24.5B | ||
| Q3 24 | $271.0B | $25.1B | ||
| Q2 24 | $272.2B | $23.6B |
负债/权益比AXPRKT
| 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 | — | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3B |
| 自由现金流率自由现金流/营收 | — | -47.2% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | — | -18.08× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-1.2B | ||
| Q3 25 | $6.2B | $-50.3M | ||
| Q2 25 | $4.4B | $-1.9B | ||
| Q1 25 | $4.8B | $-797.0M | ||
| Q4 24 | $5.8B | $1.8B | ||
| Q3 24 | $-1.8B | $-1.3B | ||
| Q2 24 | $4.5B | $-122.3M |
自由现金流AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-1.3B | ||
| Q3 25 | $5.6B | $-71.8M | ||
| Q2 25 | $3.7B | $-1.9B | ||
| Q1 25 | $4.3B | $-811.0M | ||
| Q4 24 | $5.3B | $1.8B | ||
| Q3 24 | $-2.3B | $-1.4B | ||
| Q2 24 | $4.0B | $-138.3M |
自由现金流率AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -47.2% | ||
| Q3 25 | 53.6% | -4.5% | ||
| Q2 25 | 36.3% | -137.2% | ||
| Q1 25 | 45.0% | -78.2% | ||
| Q4 24 | 53.1% | 103.1% | ||
| Q3 24 | -23.3% | -209.6% | ||
| Q2 24 | 40.4% | -10.6% |
资本支出强度AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 1.5% | ||
| Q3 25 | 6.3% | 1.3% | ||
| Q2 25 | 6.0% | 1.1% | ||
| Q1 25 | 4.5% | 1.4% | ||
| Q4 24 | 5.0% | 1.1% | ||
| Q3 24 | 4.7% | 2.9% | ||
| Q2 24 | 5.8% | 1.2% |
现金转化率AXPRKT
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | -18.08× | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | 54.42× | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | -94.46× |
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% |
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
