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美国运通（AXP）与Usio, Inc.（USIO）财务数据对比。点击上方公司名可切换其他公司
Usio, Inc.的季度营收约是美国运通的1.2倍（$22.2M vs $18.9M）。美国运通净利率更高（15.7% vs -6.7%，领先22.4%）。美国运通同比增速更快（11.4% vs 8.2%）。过去两年Usio, Inc.的营收复合增速更高（3.0% 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。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
AXP vs USIO — 直观对比
营收规模更大
USIO
是对方的1.2倍
$18.9M
营收增速更快
AXP
高出3.2%
8.2%
净利率更高
AXP
高出22.4%
-6.7%
两年增速更快
USIO
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $22.2M |
| 净利润 | $3.0M | $-1.5M |
| 毛利率 | — | 21.9% |
| 营业利润率 | — | -5.7% |
| 净利率 | 15.7% | -6.7% |
| 营收同比 | 11.4% | 8.2% |
| 净利润同比 | 15.0% | -337.8% |
| 每股收益（稀释后） | — | $-0.05 |
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AXPUSIO
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $22.2M | ||
| Q3 25 | $10.4B | $21.2M | ||
| Q2 25 | $10.3B | $20.0M | ||
| Q1 25 | $9.6B | $22.0M | ||
| Q4 24 | $10.0B | $20.6M | ||
| Q3 24 | $9.7B | $21.3M | ||
| Q2 24 | $9.8B | $20.1M |
净利润AXPUSIO
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-1.5M | ||
| Q3 25 | $2.9B | $-415.1K | ||
| Q2 25 | $2.9B | $-366.7K | ||
| Q1 25 | $2.6B | $-235.0K | ||
| Q4 24 | $2.2B | $628.9K | ||
| Q3 24 | $2.5B | $2.9M | ||
| Q2 24 | $3.0B | $75.5K |
毛利率AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 23.9% |
营业利润率AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -5.7% | ||
| Q3 25 | 36.7% | -2.2% | ||
| Q2 25 | 34.4% | -2.0% | ||
| Q1 25 | 34.6% | -1.1% | ||
| Q4 24 | 27.7% | -2.9% | ||
| Q3 24 | 33.0% | -1.8% | ||
| Q2 24 | 38.6% | -1.0% |
净利率AXPUSIO
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -6.7% | ||
| Q3 25 | 27.9% | -2.0% | ||
| Q2 25 | 28.0% | -1.8% | ||
| Q1 25 | 26.8% | -1.1% | ||
| Q4 24 | 21.8% | 3.1% | ||
| Q3 24 | 25.8% | 13.4% | ||
| Q2 24 | 30.7% | 0.4% |
每股收益（稀释后）AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $-0.05 | ||
| Q3 25 | $4.14 | $-0.02 | ||
| Q2 25 | $4.08 | $-0.01 | ||
| Q1 25 | $3.64 | $-0.01 | ||
| Q4 24 | $3.04 | $0.03 | ||
| Q3 24 | $3.49 | $0.10 | ||
| Q2 24 | $4.15 | $0.00 |
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 | — | $7.4M |
| 总债务越低越好 | $60.4M | $1.4M |
| 股东权益账面价值 | $34.0M | $17.9M |
| 总资产 | $308.9M | $134.9M |
| 负债/权益比越低杠杆越低 | 1.78× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $7.4M | ||
| Q3 25 | $1.3B | $7.7M | ||
| Q2 25 | $197.0M | $8.1M | ||
| Q1 25 | $261.0M | $8.7M | ||
| Q4 24 | $221.0M | $8.1M | ||
| Q3 24 | $120.0M | $8.4M | ||
| Q2 24 | $188.0M | $7.2M |
总债务AXPUSIO
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | $1.4M | ||
| Q3 25 | $57.8B | $836.7K | ||
| Q2 25 | $58.2B | $647.1K | ||
| Q1 25 | $51.2B | $683.3K | ||
| Q4 24 | $49.7B | $719.4K | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPUSIO
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $17.9M | ||
| Q3 25 | $32.4B | $18.7M | ||
| Q2 25 | $32.3B | $18.7M | ||
| Q1 25 | $31.2B | $19.0M | ||
| Q4 24 | $30.3B | $19.2M | ||
| Q3 24 | $29.7B | $18.9M | ||
| Q2 24 | $29.5B | $15.7M |
总资产AXPUSIO
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $134.9M | ||
| Q3 25 | $297.6B | $99.4M | ||
| Q2 25 | $295.6B | $108.4M | ||
| Q1 25 | $282.2B | $109.6M | ||
| Q4 24 | $271.5B | $107.2M | ||
| Q3 24 | $271.0B | $114.6M | ||
| Q2 24 | $272.2B | $108.8M |
负债/权益比AXPUSIO
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | 0.08× | ||
| Q3 25 | 1.78× | 0.04× | ||
| Q2 25 | 1.80× | 0.03× | ||
| Q1 25 | 1.64× | 0.04× | ||
| Q4 24 | 1.64× | 0.04× | ||
| 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 | — | $99.6K |
| 自由现金流经营现金流 - 资本支出 | — | $-42.8K |
| 自由现金流率自由现金流/营收 | — | -0.2% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 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 | — | $600.1K |
8季度趋势，按日历期对齐
经营现金流AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $99.6K | ||
| Q3 25 | $6.2B | $303.8K | ||
| Q2 25 | $4.4B | $-263.9K | ||
| Q1 25 | $4.8B | $1.4M | ||
| Q4 24 | $5.8B | $1.0M | ||
| Q3 24 | $-1.8B | $1.4M | ||
| Q2 24 | $4.5B | $369.1K |
自由现金流AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-42.8K | ||
| Q3 25 | $5.6B | $85.2K | ||
| Q2 25 | $3.7B | $-503.2K | ||
| Q1 25 | $4.3B | $1.1M | ||
| Q4 24 | $5.3B | $931.7K | ||
| Q3 24 | $-2.3B | $1.4M | ||
| Q2 24 | $4.0B | $246.3K |
自由现金流率AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -0.2% | ||
| Q3 25 | 53.6% | 0.4% | ||
| Q2 25 | 36.3% | -2.5% | ||
| Q1 25 | 45.0% | 4.8% | ||
| Q4 24 | 53.1% | 4.5% | ||
| Q3 24 | -23.3% | 6.4% | ||
| Q2 24 | 40.4% | 1.2% |
资本支出强度AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.6% | ||
| Q3 25 | 6.3% | 1.0% | ||
| Q2 25 | 6.0% | 1.2% | ||
| Q1 25 | 4.5% | 1.4% | ||
| Q4 24 | 5.0% | 0.4% | ||
| Q3 24 | 4.7% | 0.3% | ||
| Q2 24 | 5.8% | 0.6% |
现金转化率AXPUSIO
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | 1.60× | ||
| Q3 24 | -0.72× | 0.50× | ||
| Q2 24 | 1.50× | 4.89× |
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% |
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
