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美国运通（AXP）与Spire Global, Inc.（SPIR）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Spire Global, Inc.的1194.8倍（$18.9B vs $15.8M），美国运通净利率更高（15.7% vs -176.6%，领先192.3%），美国运通同比增速更快（11.4% vs -26.9%），过去两年美国运通的营收复合增速更高（38.8% vs -32.6%）
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。
Spire Global, Inc.是一家天基云数据与分析服务企业，核心业务依托由大量纳米卫星组成的卫星星座，提供覆盖全球的多领域数据集追踪服务，具体包含船舶航运追踪、航空航行监控以及气象模式观测等相关业务，服务覆盖全球范围。
AXP vs SPIR — 直观对比
营收规模更大
AXP
是对方的1194.8倍
$15.8M
营收增速更快
AXP
高出38.4%
-26.9%
净利率更高
AXP
高出192.3%
-176.6%
两年增速更快
AXP
近两年复合增速
-32.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9B | $15.8M |
| 净利润 | $3.0B | $-28.0M |
| 毛利率 | — | 40.2% |
| 营业利润率 | — | -164.1% |
| 净利率 | 15.7% | -176.6% |
| 营收同比 | 11.4% | -26.9% |
| 净利润同比 | 15.0% | 42.7% |
| 每股收益（稀释后） | $4.28 | $-0.85 |
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AXPSPIR
| Q1 26 | $18.9B | — | ||
| Q4 25 | $10.9B | $15.8M | ||
| Q3 25 | $10.4B | $12.7M | ||
| Q2 25 | $10.3B | $19.2M | ||
| Q1 25 | $9.6B | $23.9M | ||
| Q4 24 | $10.0B | $21.7M | ||
| Q3 24 | $9.7B | $28.6M | ||
| Q2 24 | $9.8B | $25.4M |
净利润AXPSPIR
| Q1 26 | $3.0B | — | ||
| Q4 25 | $2.5B | $-28.0M | ||
| Q3 25 | $2.9B | $-19.7M | ||
| Q2 25 | $2.9B | $119.6M | ||
| Q1 25 | $2.6B | $-20.7M | ||
| Q4 24 | $2.2B | $-48.8M | ||
| Q3 24 | $2.5B | $-12.5M | ||
| Q2 24 | $3.0B | $-16.6M |
毛利率AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% |
营业利润率AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -164.1% | ||
| Q3 25 | 36.7% | -166.1% | ||
| Q2 25 | 34.4% | -122.7% | ||
| Q1 25 | 34.6% | -106.5% | ||
| Q4 24 | 27.7% | -144.1% | ||
| Q3 24 | 33.0% | -48.0% | ||
| Q2 24 | 38.6% | -48.6% |
净利率AXPSPIR
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -176.6% | ||
| Q3 25 | 27.9% | -155.3% | ||
| Q2 25 | 28.0% | 623.4% | ||
| Q1 25 | 26.8% | -86.5% | ||
| Q4 24 | 21.8% | -225.2% | ||
| Q3 24 | 25.8% | -43.7% | ||
| Q2 24 | 30.7% | -65.2% |
每股收益（稀释后）AXPSPIR
| Q1 26 | $4.28 | — | ||
| Q4 25 | $3.52 | $-0.85 | ||
| Q3 25 | $4.14 | $-0.61 | ||
| Q2 25 | $4.08 | $3.72 | ||
| Q1 25 | $3.64 | $-0.77 | ||
| Q4 24 | $3.04 | $-1.93 | ||
| Q3 24 | $3.49 | $-0.50 | ||
| Q2 24 | $4.15 | $-0.68 |
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 | — | $81.8M |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $112.9M |
| 总资产 | $308.9M | $211.0M |
| 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AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $81.8M | ||
| Q3 25 | $1.3B | $96.8M | ||
| Q2 25 | $197.0M | $117.6M | ||
| Q1 25 | $261.0M | $35.9M | ||
| Q4 24 | $221.0M | $19.2M | ||
| Q3 24 | $120.0M | $36.6M | ||
| Q2 24 | $188.0M | $45.8M |
总债务AXPSPIR
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | $103.7M | ||
| Q4 24 | $49.7B | $103.1M | ||
| Q3 24 | $53.5B | $4.9M | ||
| Q2 24 | $51.5B | $4.9M |
股东权益AXPSPIR
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $112.9M | ||
| Q3 25 | $32.4B | $133.1M | ||
| Q2 25 | $32.3B | $149.2M | ||
| Q1 25 | $31.2B | $3.7M | ||
| Q4 24 | $30.3B | $-11.7M | ||
| Q3 24 | $29.7B | $30.8M | ||
| Q2 24 | $29.5B | $40.3M |
总资产AXPSPIR
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $211.0M | ||
| Q3 25 | $297.6B | $224.3M | ||
| Q2 25 | $295.6B | $239.5M | ||
| Q1 25 | $282.2B | $208.8M | ||
| Q4 24 | $271.5B | $193.6M | ||
| Q3 24 | $271.0B | $224.2M | ||
| Q2 24 | $272.2B | $230.8M |
负债/权益比AXPSPIR
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | 27.92× | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | 0.16× | ||
| Q2 24 | 1.74× | 0.12× |
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 | — | $-4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.2M |
| 自由现金流率自由现金流/营收 | — | -102.1% |
| 资本支出强度资本支出/营收 | — | 75.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-92.6M |
8季度趋势，按日历期对齐
经营现金流AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-4.3M | ||
| Q3 25 | $6.2B | $-12.0M | ||
| Q2 25 | $4.4B | $-35.1M | ||
| Q1 25 | $4.8B | $-8.4M | ||
| Q4 24 | $5.8B | $-19.2M | ||
| Q3 24 | $-1.8B | $14.0M | ||
| Q2 24 | $4.5B | $-4.4M |
自由现金流AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-16.2M | ||
| Q3 25 | $5.6B | $-20.4M | ||
| Q2 25 | $3.7B | $-38.7M | ||
| Q1 25 | $4.3B | $-17.3M | ||
| Q4 24 | $5.3B | $-24.3M | ||
| Q3 24 | $-2.3B | $5.1M | ||
| Q2 24 | $4.0B | $-9.9M |
自由现金流率AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -102.1% | ||
| Q3 25 | 53.6% | -161.3% | ||
| Q2 25 | 36.3% | -201.7% | ||
| Q1 25 | 45.0% | -72.6% | ||
| Q4 24 | 53.1% | -112.2% | ||
| Q3 24 | -23.3% | 17.8% | ||
| Q2 24 | 40.4% | -39.0% |
资本支出强度AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 75.1% | ||
| Q3 25 | 6.3% | 66.2% | ||
| Q2 25 | 6.0% | 18.8% | ||
| Q1 25 | 4.5% | 37.3% | ||
| Q4 24 | 5.0% | 23.5% | ||
| Q3 24 | 4.7% | 31.2% | ||
| Q2 24 | 5.8% | 21.8% |
现金转化率AXPSPIR
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | -0.29× | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
