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美国运通（AXP）与Simulations Plus, Inc.（SLP）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Simulations Plus, Inc.的1.0倍（$18.9M vs $18.4M），美国运通净利率更高（15.7% vs 3.7%，领先12.0%），美国运通同比增速更快（11.4% vs -2.7%），过去两年Simulations Plus, Inc.的营收复合增速更高（0.3% 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。
Simulations Plus公司为医药生物、化工、化妆品、食品原料及除草剂领域开发ADMET（吸收、分布、代谢、排泄和毒性）建模仿真软件，并于2014年9月收购了提供临床试验数据分析及咨询服务的Cognigen公司，助力相关行业研发工作开展。
AXP vs SLP — 直观对比
营收规模更大
AXP
是对方的1.0倍
$18.4M
营收增速更快
AXP
高出14.1%
-2.7%
净利率更高
AXP
高出12.0%
3.7%
两年增速更快
SLP
近两年复合增速
-95.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $18.4M |
| 净利润 | $3.0M | $676.0K |
| 毛利率 | — | 59.1% |
| 营业利润率 | — | 3.9% |
| 净利率 | 15.7% | 3.7% |
| 营收同比 | 11.4% | -2.7% |
| 净利润同比 | 15.0% | 228.2% |
| 每股收益（稀释后） | — | $0.03 |
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AXPSLP
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $18.4M | ||
| Q3 25 | $10.4B | $17.5M | ||
| Q2 25 | $10.3B | $20.4M | ||
| Q1 25 | $9.6B | $22.4M | ||
| Q4 24 | $10.0B | $18.9M | ||
| Q3 24 | $9.7B | $18.7M | ||
| Q2 24 | $9.8B | $18.5M |
净利润AXPSLP
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $676.0K | ||
| Q3 25 | $2.9B | $-681.0K | ||
| Q2 25 | $2.9B | $-67.3M | ||
| Q1 25 | $2.6B | $3.1M | ||
| Q4 24 | $2.2B | $206.0K | ||
| Q3 24 | $2.5B | $843.0K | ||
| Q2 24 | $3.0B | $3.1M |
毛利率AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | — | 59.1% | ||
| Q3 25 | — | 56.4% | ||
| Q2 25 | — | 64.0% | ||
| Q1 25 | — | 58.5% | ||
| Q4 24 | — | 54.0% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 71.5% |
营业利润率AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 3.9% | ||
| Q3 25 | 36.7% | 3.8% | ||
| Q2 25 | 34.4% | -364.5% | ||
| Q1 25 | 34.6% | 12.1% | ||
| Q4 24 | 27.7% | 0.7% | ||
| Q3 24 | 33.0% | -6.2% | ||
| Q2 24 | 38.6% | 10.1% |
净利率AXPSLP
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 3.7% | ||
| Q3 25 | 27.9% | -3.9% | ||
| Q2 25 | 28.0% | -330.6% | ||
| Q1 25 | 26.8% | 13.7% | ||
| Q4 24 | 21.8% | 1.1% | ||
| Q3 24 | 25.8% | 4.5% | ||
| Q2 24 | 30.7% | 16.9% |
每股收益（稀释后）AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $0.03 | ||
| Q3 25 | $4.14 | $-0.03 | ||
| Q2 25 | $4.08 | $-3.35 | ||
| Q1 25 | $3.64 | $0.15 | ||
| Q4 24 | $3.04 | $0.01 | ||
| Q3 24 | $3.49 | $0.04 | ||
| Q2 24 | $4.15 | $0.15 |
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 | — | $35.7M |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $127.1M |
| 总资产 | $308.9M | $137.8M |
| 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AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $35.7M | ||
| Q3 25 | $1.3B | $32.4M | ||
| Q2 25 | $197.0M | $28.4M | ||
| Q1 25 | $261.0M | $21.4M | ||
| Q4 24 | $221.0M | $18.2M | ||
| Q3 24 | $120.0M | $20.3M | ||
| Q2 24 | $188.0M | $119.0M |
总债务AXPSLP
| 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AXPSLP
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $127.1M | ||
| Q3 25 | $32.4B | $124.8M | ||
| Q2 25 | $32.3B | $123.8M | ||
| Q1 25 | $31.2B | $189.5M | ||
| Q4 24 | $30.3B | $184.7M | ||
| Q3 24 | $29.7B | $182.4M | ||
| Q2 24 | $29.5B | $180.9M |
总资产AXPSLP
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $137.8M | ||
| Q3 25 | $297.6B | $131.9M | ||
| Q2 25 | $295.6B | $134.4M | ||
| Q1 25 | $282.2B | $201.4M | ||
| Q4 24 | $271.5B | $196.9M | ||
| Q3 24 | $271.0B | $196.6M | ||
| Q2 24 | $272.2B | $192.7M |
负债/权益比AXPSLP
| 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 | — | $4.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 6.26× |
| 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AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $4.2M | ||
| Q3 25 | $6.2B | $5.6M | ||
| Q2 25 | $4.4B | $8.1M | ||
| Q1 25 | $4.8B | $5.7M | ||
| Q4 24 | $5.8B | $-1.3M | ||
| Q3 24 | $-1.8B | $1.7M | ||
| Q2 24 | $4.5B | $5.7M |
自由现金流AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | — | ||
| Q3 25 | $5.6B | $5.3M | ||
| Q2 25 | $3.7B | $7.8M | ||
| Q1 25 | $4.3B | $5.6M | ||
| Q4 24 | $5.3B | $-1.4M | ||
| Q3 24 | $-2.3B | $1.6M | ||
| Q2 24 | $4.0B | $5.6M |
自由现金流率AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | — | ||
| Q3 25 | 53.6% | 30.5% | ||
| Q2 25 | 36.3% | 38.5% | ||
| Q1 25 | 45.0% | 25.0% | ||
| Q4 24 | 53.1% | -7.2% | ||
| Q3 24 | -23.3% | 8.8% | ||
| Q2 24 | 40.4% | 30.0% |
资本支出强度AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.0% | ||
| Q3 25 | 6.3% | 1.5% | ||
| Q2 25 | 6.0% | 1.5% | ||
| Q1 25 | 4.5% | 0.3% | ||
| Q4 24 | 5.0% | 0.5% | ||
| Q3 24 | 4.7% | 0.1% | ||
| Q2 24 | 5.8% | 0.6% |
现金转化率AXPSLP
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | 6.26× | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | 1.84× | ||
| Q4 24 | 2.66× | -6.18× | ||
| Q3 24 | -0.72× | 1.97× | ||
| Q2 24 | 1.50× | 1.81× |
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% |
SLP
| Services Segment | $9.5M | 52% |
| Development | $7.2M | 39% |
| Discovery | $1.3M | 7% |
