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フィサーブ（FISV）とJack Henry & Associates（JKHY）の財務データ比較。上の社名をクリックして会社を切り替えられます
フィサーブの直近四半期売上が大きい（$5.3B vs $619.3M、Jack Henry & Associatesの約8.5倍）。Jack Henry & Associatesの純利益率が高く（20.1% vs 15.3%、差は4.8%）。Jack Henry & Associatesの前年同期比売上増加率が高い（7.9% vs 0.6%）。フィサーブの直近四半期フリーキャッシュフローが多い（$1.5B vs $131.4M）。過去8四半期でJack Henry & Associatesの売上複合成長率が高い（7.2% vs 4.0%）
フィサーブ（Fiserv, Inc.）は米国ウィスコンシン州ミルウォーキーに本社を置く多国籍金融テクノロジー企業です。銀行向けにデビットカード・クレジットカード取引処理、ロイヤルティプログラム、ローン管理、電子決済、電信送金・ACH送金、小切手預入、ATM取引処理などのサービスを提供するほか、各種カードやPOS端末の製造も行っています。
Jack Henry & Associatesは1976年設立の米国金融テクノロジー企業で、主にコミュニティバンクや信用組合を対象に金融テクノロジー関連サービスや決済処理サービスを提供している。また地域銀行・信用組合のリスク管理、規制申告支援、オンラインバンキングサービスの最適化や機能強化も手がけている。
FISV vs JKHY — 直接比較
損益計算書 — Q4 FY2025 vs Q2 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $5.3B | $619.3M |
| 純利益 | $811.0M | $124.7M |
| 粗利率 | — | 43.3% |
| 営業利益率 | 24.4% | 25.7% |
| 純利益率 | 15.3% | 20.1% |
| 売上前年比 | 0.6% | 7.9% |
| 純利益前年比 | -13.5% | 27.4% |
| EPS（希薄化後） | $1.51 | $1.72 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $5.3B | $619.3M | ||
| Q3 25 | $5.3B | $644.7M | ||
| Q2 25 | $5.5B | $615.4M | ||
| Q1 25 | $5.1B | $585.1M | ||
| Q4 24 | $5.3B | $573.8M | ||
| Q3 24 | $5.2B | $601.0M | ||
| Q2 24 | $5.1B | $559.9M | ||
| Q1 24 | $4.9B | $538.6M |
| Q4 25 | $811.0M | $124.7M | ||
| Q3 25 | $792.0M | $144.0M | ||
| Q2 25 | $1.0B | $127.6M | ||
| Q1 25 | $851.0M | $111.1M | ||
| Q4 24 | $938.0M | $97.8M | ||
| Q3 24 | $564.0M | $119.2M | ||
| Q2 24 | $894.0M | $101.1M | ||
| Q1 24 | $735.0M | $87.1M |
| Q4 25 | — | 43.3% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 44.1% | ||
| Q1 25 | — | 41.8% | ||
| Q4 24 | — | 42.0% | ||
| Q3 24 | — | 42.9% | ||
| Q2 24 | — | 41.5% | ||
| Q1 24 | — | 39.1% |
| Q4 25 | 24.4% | 25.7% | ||
| Q3 25 | 27.3% | 28.5% | ||
| Q2 25 | 30.7% | 25.3% | ||
| Q1 25 | 27.2% | 23.7% | ||
| Q4 24 | 31.8% | 21.4% | ||
| Q3 24 | 30.7% | 25.2% | ||
| Q2 24 | 28.0% | 22.4% | ||
| Q1 24 | 24.2% | 20.8% |
| Q4 25 | 15.3% | 20.1% | ||
| Q3 25 | 15.0% | 22.3% | ||
| Q2 25 | 18.6% | 20.7% | ||
| Q1 25 | 16.6% | 19.0% | ||
| Q4 24 | 17.9% | 17.1% | ||
| Q3 24 | 10.8% | 19.8% | ||
| Q2 24 | 17.5% | 18.1% | ||
| Q1 24 | 15.1% | 16.2% |
| Q4 25 | $1.51 | $1.72 | ||
| Q3 25 | $1.46 | $1.97 | ||
| Q2 25 | $1.86 | $1.75 | ||
| Q1 25 | $1.51 | $1.52 | ||
| Q4 24 | $1.63 | $1.34 | ||
| Q3 24 | $0.98 | $1.63 | ||
| Q2 24 | $1.53 | $1.39 | ||
| Q1 24 | $1.24 | $1.19 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $798.0M | $28.2M |
| 総負債低いほど良い | $27.8B | — |
| 株主資本純資産 | $25.8B | $2.2B |
| 総資産 | $80.1B | $3.1B |
| 負債/資本比率低いほどレバレッジが低い | 1.08× | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $798.0M | $28.2M | ||
| Q3 25 | $1.1B | $36.2M | ||
| Q2 25 | $999.0M | $102.0M | ||
| Q1 25 | $1.2B | $39.9M | ||
| Q4 24 | $1.2B | $25.7M | ||
| Q3 24 | $1.2B | $43.2M | ||
| Q2 24 | $1.2B | $38.3M | ||
| Q1 24 | $1.2B | $27.3M |
| Q4 25 | $27.8B | — | ||
| Q3 25 | $28.9B | — | ||
| Q2 25 | $28.1B | $0 | ||
| Q1 25 | $27.0B | — | ||
| Q4 24 | $23.7B | — | ||
| Q3 24 | $24.1B | — | ||
| Q2 24 | $24.4B | $60.0M | ||
| Q1 24 | $23.8B | $250.0M |
| Q4 25 | $25.8B | $2.2B | ||
| Q3 25 | $25.1B | $2.2B | ||
| Q2 25 | $25.2B | $2.1B | ||
| Q1 25 | $25.9B | $2.0B | ||
| Q4 24 | $27.1B | $2.0B | ||
| Q3 24 | $27.8B | $1.9B | ||
| Q2 24 | $28.2B | $1.8B | ||
| Q1 24 | $28.8B | $1.8B |
| Q4 25 | $80.1B | $3.1B | ||
| Q3 25 | $79.4B | $3.0B | ||
| Q2 25 | $81.5B | $3.0B | ||
| Q1 25 | $80.4B | $2.9B | ||
| Q4 24 | $77.2B | $2.9B | ||
| Q3 24 | $79.8B | $2.9B | ||
| Q2 24 | $93.4B | $2.9B | ||
| Q1 24 | $92.7B | $2.8B |
| Q4 25 | 1.08× | — | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.11× | 0.00× | ||
| Q1 25 | 1.04× | — | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.87× | 0.03× | ||
| Q1 24 | 0.82× | 0.14× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $1.9B | $152.7M |
| フリーキャッシュフロー営業CF - 設備投資 | $1.5B | $131.4M |
| FCFマージンFCF / 売上 | 28.4% | 21.2% |
| 設備投資強度設備投資 / 売上 | 8.4% | 3.4% |
| キャッシュ転換率営業CF / 純利益 | 2.40× | 1.22× |
| 直近12ヶ月FCF直近4四半期 | $4.3B | $654.2M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $1.9B | $152.7M | ||
| Q3 25 | $1.8B | $120.6M | ||
| Q2 25 | $1.7B | $327.1M | ||
| Q1 25 | $648.0M | $107.8M | ||
| Q4 24 | $2.2B | $89.6M | ||
| Q3 24 | $2.2B | $116.9M | ||
| Q2 24 | $1.3B | $231.8M | ||
| Q1 24 | $831.0M | $97.6M |
| Q4 25 | $1.5B | $131.4M | ||
| Q3 25 | $1.3B | $111.7M | ||
| Q2 25 | $1.2B | $314.9M | ||
| Q1 25 | $313.0M | $96.1M | ||
| Q4 24 | $1.8B | $73.0M | ||
| Q3 24 | $1.8B | $104.1M | ||
| Q2 24 | $993.0M | $208.0M | ||
| Q1 24 | $411.0M | $87.7M |
| Q4 25 | 28.4% | 21.2% | ||
| Q3 25 | 24.7% | 17.3% | ||
| Q2 25 | 21.5% | 51.2% | ||
| Q1 25 | 6.1% | 16.4% | ||
| Q4 24 | 34.7% | 12.7% | ||
| Q3 24 | 35.2% | 17.3% | ||
| Q2 24 | 19.4% | 37.2% | ||
| Q1 24 | 8.4% | 16.3% |
| Q4 25 | 8.4% | 3.4% | ||
| Q3 25 | 9.6% | 1.4% | ||
| Q2 25 | 8.7% | 2.0% | ||
| Q1 25 | 6.5% | 2.0% | ||
| Q4 24 | 7.6% | 2.9% | ||
| Q3 24 | 7.7% | 2.1% | ||
| Q2 24 | 6.8% | 4.2% | ||
| Q1 24 | 8.6% | 1.8% |
| Q4 25 | 2.40× | 1.22× | ||
| Q3 25 | 2.28× | 0.84× | ||
| Q2 25 | 1.62× | 2.56× | ||
| Q1 25 | 0.76× | 0.97× | ||
| Q4 24 | 2.37× | 0.92× | ||
| Q3 24 | 3.97× | 0.98× | ||
| Q2 24 | 1.50× | 2.29× | ||
| Q1 24 | 1.13× | 1.12× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
FISV
| Small Business | $1.7B | 32% |
| Products | $1.0B | 19% |
| Digital Payments | $960.0M | 18% |
| Issuing | $792.0M | 15% |
| Enterprise | $587.0M | 11% |
| Processing | $265.0M | 5% |
| Affiliated Entity | $18.0M | 0% |
JKHY
| Processing | $273.5M | 44% |
| Private Public Cloud | $202.7M | 33% |
| On Premise Support | $79.0M | 13% |
| Product Deliveryand Service | $64.1M | 10% |
