vs
美国运通（AXP）与Unum Group（UNM）财务数据对比。点击上方公司名可切换其他公司
Unum Group的季度营收约是美国运通的171.6倍（$3.2B vs $18.9M）。美国运通净利率更高（15.7% vs 5.4%，领先10.3%）。美国运通同比增速更快（11.4% vs 0.2%）。过去两年Unum Group的营收复合增速更高（0.7% 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。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
AXP vs UNM — 直观对比
营收规模更大
UNM
是对方的171.6倍
$18.9M
营收增速更快
AXP
高出11.2%
0.2%
净利率更高
AXP
高出10.3%
5.4%
两年增速更快
UNM
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $3.2B |
| 净利润 | $3.0M | $174.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.7% |
| 净利率 | 15.7% | 5.4% |
| 营收同比 | 11.4% | 0.2% |
| 净利润同比 | 15.0% | -50.1% |
| 每股收益（稀释后） | — | $1.06 |
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AXPUNM
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $3.2B | ||
| Q3 25 | $10.4B | $3.4B | ||
| Q2 25 | $10.3B | $3.4B | ||
| 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AXPUNM
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $174.1M | ||
| Q3 25 | $2.9B | $39.7M | ||
| Q2 25 | $2.9B | $335.6M | ||
| Q1 25 | $2.6B | $189.1M | ||
| Q4 24 | $2.2B | $348.7M | ||
| Q3 24 | $2.5B | $645.7M | ||
| Q2 24 | $3.0B | $389.5M |
营业利润率AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 6.7% | ||
| Q3 25 | 36.7% | 1.6% | ||
| Q2 25 | 34.4% | 12.4% | ||
| Q1 25 | 34.6% | 7.9% | ||
| Q4 24 | 27.7% | 13.8% | ||
| Q3 24 | 33.0% | 15.6% | ||
| Q2 24 | 38.6% | 15.3% |
净利率AXPUNM
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 5.4% | ||
| Q3 25 | 27.9% | 1.2% | ||
| Q2 25 | 28.0% | 10.0% | ||
| Q1 25 | 26.8% | 6.1% | ||
| Q4 24 | 21.8% | 10.8% | ||
| Q3 24 | 25.8% | 20.1% | ||
| Q2 24 | 30.7% | 12.0% |
每股收益（稀释后）AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $1.06 | ||
| Q3 25 | $4.14 | $0.23 | ||
| Q2 25 | $4.08 | $1.92 | ||
| Q1 25 | $3.64 | $1.06 | ||
| Q4 24 | $3.04 | $1.91 | ||
| Q3 24 | $3.49 | $3.46 | ||
| Q2 24 | $4.15 | $2.05 |
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 | — | — |
| 总债务越低越好 | $60.4M | $3.8B |
| 股东权益账面价值 | $34.0M | $11.1B |
| 总资产 | $308.9M | $63.5B |
| 负债/权益比越低杠杆越低 | 1.78× | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $197.0M | — | ||
| Q1 25 | $261.0M | — | ||
| Q4 24 | $221.0M | — | ||
| Q3 24 | $120.0M | — | ||
| Q2 24 | $188.0M | — |
总债务AXPUNM
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | $3.8B | ||
| Q3 25 | $57.8B | $3.5B | ||
| Q2 25 | $58.2B | $3.5B | ||
| Q1 25 | $51.2B | $3.5B | ||
| Q4 24 | $49.7B | $3.5B | ||
| Q3 24 | $53.5B | $3.5B | ||
| Q2 24 | $51.5B | $3.5B |
股东权益AXPUNM
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $11.1B | ||
| Q3 25 | $32.4B | $10.9B | ||
| Q2 25 | $32.3B | $11.3B | ||
| Q1 25 | $31.2B | $11.2B | ||
| Q4 24 | $30.3B | $11.0B | ||
| Q3 24 | $29.7B | $11.0B | ||
| Q2 24 | $29.5B | $10.5B |
总资产AXPUNM
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $63.5B | ||
| Q3 25 | $297.6B | $63.7B | ||
| Q2 25 | $295.6B | $62.8B | ||
| Q1 25 | $282.2B | $62.5B | ||
| Q4 24 | $271.5B | $62.0B | ||
| Q3 24 | $271.0B | $64.1B | ||
| Q2 24 | $272.2B | $62.0B |
负债/权益比AXPUNM
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | 0.34× | ||
| Q3 25 | 1.78× | 0.32× | ||
| Q2 25 | 1.80× | 0.31× | ||
| Q1 25 | 1.64× | 0.31× | ||
| Q4 24 | 1.64× | 0.32× | ||
| Q3 24 | 1.80× | 0.32× | ||
| Q2 24 | 1.74× | 0.33× |
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 | — | $357.9M |
| 自由现金流经营现金流 - 资本支出 | — | $320.1M |
| 自由现金流率自由现金流/营收 | — | 9.9% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | — | 2.06× |
| 过去12个月自由现金流最近4个季度 | — | $555.4M |
8季度趋势，按日历期对齐
经营现金流AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $357.9M | ||
| Q3 25 | $6.2B | $-371.8M | ||
| Q2 25 | $4.4B | $348.0M | ||
| Q1 25 | $4.8B | $353.6M | ||
| Q4 24 | $5.8B | $485.8M | ||
| Q3 24 | $-1.8B | $390.0M | ||
| Q2 24 | $4.5B | $339.1M |
自由现金流AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $320.1M | ||
| Q3 25 | $5.6B | $-402.6M | ||
| Q2 25 | $3.7B | $320.1M | ||
| Q1 25 | $4.3B | $317.8M | ||
| Q4 24 | $5.3B | $453.8M | ||
| Q3 24 | $-2.3B | $352.3M | ||
| Q2 24 | $4.0B | $311.4M |
自由现金流率AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | 9.9% | ||
| Q3 25 | 53.6% | -11.9% | ||
| Q2 25 | 36.3% | 9.5% | ||
| Q1 25 | 45.0% | 10.3% | ||
| Q4 24 | 53.1% | 14.0% | ||
| Q3 24 | -23.3% | 11.0% | ||
| Q2 24 | 40.4% | 9.6% |
资本支出强度AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 1.2% | ||
| Q3 25 | 6.3% | 0.9% | ||
| Q2 25 | 6.0% | 0.8% | ||
| Q1 25 | 4.5% | 1.2% | ||
| Q4 24 | 5.0% | 1.0% | ||
| Q3 24 | 4.7% | 1.2% | ||
| Q2 24 | 5.8% | 0.9% |
现金转化率AXPUNM
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | 2.06× | ||
| Q3 25 | 2.15× | -9.37× | ||
| Q2 25 | 1.51× | 1.04× | ||
| Q1 25 | 1.84× | 1.87× | ||
| Q4 24 | 2.66× | 1.39× | ||
| Q3 24 | -0.72× | 0.60× | ||
| Q2 24 | 1.50× | 0.87× |
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% |
UNM
| Unum Us | $2.0B | 60% |
| Colonial Life | $507.0M | 16% |
| Closed Block | $445.6M | 14% |
| Unum International | $323.0M | 10% |
