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美国运通（AXP）与TRUPANION, INC.（TRUP）财务数据对比。点击上方公司名可切换其他公司
TRUPANION, INC.的季度营收约是美国运通的19.9倍（$376.9M vs $18.9M）。TRUPANION, INC.同比增速更快（11.7% vs 11.4%）。过去两年TRUPANION, INC.的营收复合增速更高（11.0% 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。
Trupanion是总部位于美国华盛顿州西雅图的宠物保险服务商，创立于1999年，业务覆盖美国、加拿大、澳大利亚与波多黎各地区。该公司为宠物提供保险保障服务，所有保单由旗下美国宠物保险公司（APIC）独家承保。
AXP vs TRUP — 直观对比
营收规模更大
TRUP
是对方的19.9倍
$18.9M
营收增速更快
TRUP
高出0.3%
11.4%
两年增速更快
TRUP
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $376.9M |
| 净利润 | $3.0M | — |
| 毛利率 | — | 17.3% |
| 营业利润率 | — | 1.9% |
| 净利率 | 15.7% | — |
| 营收同比 | 11.4% | 11.7% |
| 净利润同比 | 15.0% | — |
| 每股收益（稀释后） | — | $0.13 |
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AXPTRUP
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $376.9M | ||
| Q3 25 | $10.4B | $366.9M | ||
| Q2 25 | $10.3B | $353.6M | ||
| Q1 25 | $9.6B | $342.0M | ||
| Q4 24 | $10.0B | $337.3M | ||
| Q3 24 | $9.7B | $327.5M | ||
| Q2 24 | $9.8B | $314.8M |
净利润AXPTRUP
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | — | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $2.9B | — | ||
| Q1 25 | $2.6B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.5B | — | ||
| Q2 24 | $3.0B | — |
毛利率AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | — | 17.3% | ||
| Q3 25 | — | 16.4% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 14.9% | ||
| Q4 24 | — | 15.7% | ||
| Q3 24 | — | 15.1% | ||
| Q2 24 | — | 12.8% |
营业利润率AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 1.9% | ||
| Q3 25 | 36.7% | 1.6% | ||
| Q2 25 | 34.4% | 0.7% | ||
| Q1 25 | 34.6% | -0.4% | ||
| Q4 24 | 27.7% | 0.1% | ||
| Q3 24 | 33.0% | 0.5% | ||
| Q2 24 | 38.6% | -1.7% |
净利率AXPTRUP
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | — | ||
| Q3 25 | 27.9% | — | ||
| Q2 25 | 28.0% | — | ||
| Q1 25 | 26.8% | — | ||
| Q4 24 | 21.8% | — | ||
| Q3 24 | 25.8% | — | ||
| Q2 24 | 30.7% | — |
每股收益（稀释后）AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $0.13 | ||
| Q3 25 | $4.14 | $0.13 | ||
| Q2 25 | $4.08 | $0.22 | ||
| Q1 25 | $3.64 | $-0.03 | ||
| Q4 24 | $3.04 | $0.04 | ||
| Q3 24 | $3.49 | $0.03 | ||
| Q2 24 | $4.15 | $-0.14 |
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 | — | $370.7M |
| 总债务越低越好 | $60.4M | $101.8M |
| 股东权益账面价值 | $34.0M | $383.9M |
| 总资产 | $308.9M | $915.0M |
| 负债/权益比越低杠杆越低 | 1.78× | 0.27× |
8季度趋势，按日历期对齐
现金及短期投资AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $370.7M | ||
| Q3 25 | $1.3B | $348.5M | ||
| Q2 25 | $197.0M | $319.6M | ||
| Q1 25 | $261.0M | $321.8M | ||
| Q4 24 | $221.0M | $307.4M | ||
| Q3 24 | $120.0M | $293.1M | ||
| Q2 24 | $188.0M | $277.2M |
总债务AXPTRUP
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | $101.8M | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | $127.5M | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPTRUP
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $383.9M | ||
| Q3 25 | $32.4B | $368.6M | ||
| Q2 25 | $32.3B | $355.5M | ||
| Q1 25 | $31.2B | $333.7M | ||
| Q4 24 | $30.3B | $323.3M | ||
| Q3 24 | $29.7B | $320.2M | ||
| Q2 24 | $29.5B | $305.8M |
总资产AXPTRUP
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $915.0M | ||
| Q3 25 | $297.6B | $880.2M | ||
| Q2 25 | $295.6B | $847.8M | ||
| Q1 25 | $282.2B | $837.2M | ||
| Q4 24 | $271.5B | $806.9M | ||
| Q3 24 | $271.0B | $816.1M | ||
| Q2 24 | $272.2B | $795.9M |
负债/权益比AXPTRUP
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | 0.27× | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | 0.39× | ||
| 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 | — | $29.3M |
| 自由现金流经营现金流 - 资本支出 | — | $25.3M |
| 自由现金流率自由现金流/营收 | — | 6.7% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 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 | — | $75.4M |
8季度趋势，按日历期对齐
经营现金流AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $29.3M | ||
| Q3 25 | $6.2B | $29.2M | ||
| Q2 25 | $4.4B | $15.0M | ||
| Q1 25 | $4.8B | $16.0M | ||
| Q4 24 | $5.8B | $23.7M | ||
| Q3 24 | $-1.8B | $15.3M | ||
| Q2 24 | $4.5B | $6.9M |
自由现金流AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $25.3M | ||
| Q3 25 | $5.6B | $23.9M | ||
| Q2 25 | $3.7B | $12.0M | ||
| Q1 25 | $4.3B | $14.0M | ||
| Q4 24 | $5.3B | $21.8M | ||
| Q3 24 | $-2.3B | $13.4M | ||
| Q2 24 | $4.0B | $4.0M |
自由现金流率AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | 6.7% | ||
| Q3 25 | 53.6% | 6.5% | ||
| Q2 25 | 36.3% | 3.4% | ||
| Q1 25 | 45.0% | 4.1% | ||
| Q4 24 | 53.1% | 6.5% | ||
| Q3 24 | -23.3% | 4.1% | ||
| Q2 24 | 40.4% | 1.3% |
资本支出强度AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 1.0% | ||
| Q3 25 | 6.3% | 1.4% | ||
| Q2 25 | 6.0% | 0.8% | ||
| Q1 25 | 4.5% | 0.6% | ||
| Q4 24 | 5.0% | 0.6% | ||
| Q3 24 | 4.7% | 0.6% | ||
| Q2 24 | 5.8% | 0.9% |
现金转化率AXPTRUP
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| 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
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% |
TRUP
暂无分部数据
