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Alight, Inc.（ALIT）与FISERV INC（FISV）财务数据对比。点击上方公司名可切换其他公司
FISERV INC的季度营收约是Alight, Inc.的8.1倍（$5.3B vs $653.0M）。FISERV INC净利率更高（15.3% vs -142.7%，领先158.1%）。FISERV INC同比增速更快（0.6% vs -4.0%）。FISERV INC自由现金流更多（$1.5B vs $99.0M）。过去两年Alight, Inc.的营收复合增速更高（8.1% vs 4.0%）
Alight公司是一家美国信息技术与咨询企业，专注于人力资源相关业务，主打基于云的系统服务、业务外包与咨询服务，为大型企业提供人力资本管理平台与外包方案，业务范围涵盖健康福利管理、财务管理以及退休规划等领域。
Fiserv是总部位于美国威斯康星州密尔沃基的跨国金融科技企业，面向银行机构提供借记卡、信用卡交易处理、忠诚度计划管理、贷款服务、电子账单支付、电汇及ACH转账、支票存款、ATM交易处理等解决方案，同时生产借记卡、信用卡及POS终端设备。
ALIT vs FISV — 直观对比
营收规模更大
FISV
是对方的8.1倍
$653.0M
营收增速更快
FISV
高出4.6%
-4.0%
净利率更高
FISV
高出158.1%
-142.7%
自由现金流更多
FISV
多$1.4B
$99.0M
两年增速更快
ALIT
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $653.0M | $5.3B |
| 净利润 | $-932.0M | $811.0M |
| 毛利率 | 36.8% | — |
| 营业利润率 | -114.9% | 24.4% |
| 净利率 | -142.7% | 15.3% |
| 营收同比 | -4.0% | 0.6% |
| 净利润同比 | -11750.0% | -13.5% |
| 每股收益（稀释后） | $-1.77 | $1.51 |
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ALITFISV
| Q4 25 | $653.0M | $5.3B | ||
| Q3 25 | $533.0M | $5.3B | ||
| Q2 25 | $528.0M | $5.5B | ||
| Q1 25 | $548.0M | $5.1B | ||
| Q4 24 | $680.0M | $5.3B | ||
| Q3 24 | $555.0M | $5.2B | ||
| Q2 24 | $538.0M | $5.1B | ||
| Q1 24 | $559.0M | $4.9B |
净利润ALITFISV
| Q4 25 | $-932.0M | $811.0M | ||
| Q3 25 | $-1.1B | $792.0M | ||
| Q2 25 | $-1.1B | $1.0B | ||
| Q1 25 | $-25.0M | $851.0M | ||
| Q4 24 | $8.0M | $938.0M | ||
| Q3 24 | $-74.0M | $564.0M | ||
| Q2 24 | $23.0M | $894.0M | ||
| Q1 24 | $-114.0M | $735.0M |
毛利率ALITFISV
| Q4 25 | 36.8% | — | ||
| Q3 25 | 33.4% | — | ||
| Q2 25 | 33.3% | — | ||
| Q1 25 | 31.2% | — | ||
| Q4 24 | 39.9% | — | ||
| Q3 24 | 31.4% | — | ||
| Q2 24 | 31.0% | — | ||
| Q1 24 | 32.6% | — |
营业利润率ALITFISV
| Q4 25 | -114.9% | 24.4% | ||
| Q3 25 | -248.0% | 27.3% | ||
| Q2 25 | -191.3% | 30.7% | ||
| Q1 25 | -1.5% | 27.2% | ||
| Q4 24 | 6.5% | 31.8% | ||
| Q3 24 | -7.6% | 30.7% | ||
| Q2 24 | -9.7% | 28.0% | ||
| Q1 24 | -7.2% | 24.2% |
净利率ALITFISV
| Q4 25 | -142.7% | 15.3% | ||
| Q3 25 | -200.2% | 15.0% | ||
| Q2 25 | -203.2% | 18.6% | ||
| Q1 25 | -4.6% | 16.6% | ||
| Q4 24 | 1.2% | 17.9% | ||
| Q3 24 | -13.3% | 10.8% | ||
| Q2 24 | 4.3% | 17.5% | ||
| Q1 24 | -20.4% | 15.1% |
每股收益（稀释后）ALITFISV
| Q4 25 | $-1.77 | $1.51 | ||
| Q3 25 | $-2.02 | $1.46 | ||
| Q2 25 | $-2.03 | $1.86 | ||
| Q1 25 | $-0.05 | $1.51 | ||
| Q4 24 | $0.02 | $1.63 | ||
| Q3 24 | $-0.14 | $0.98 | ||
| Q2 24 | $0.04 | $1.53 | ||
| Q1 24 | $-0.21 | $1.24 |
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 | $273.0M | $798.0M |
| 总债务越低越好 | $2.0B | $27.8B |
| 股东权益账面价值 | $1.0B | $25.8B |
| 总资产 | $4.6B | $80.1B |
| 负债/权益比越低杠杆越低 | 1.92× | 1.08× |
8季度趋势，按日历期对齐
现金及短期投资ALITFISV
| Q4 25 | $273.0M | $798.0M | ||
| Q3 25 | $205.0M | $1.1B | ||
| Q2 25 | $227.0M | $999.0M | ||
| Q1 25 | $223.0M | $1.2B | ||
| Q4 24 | $343.0M | $1.2B | ||
| Q3 24 | $300.0M | $1.2B | ||
| Q2 24 | $183.0M | $1.2B | ||
| Q1 24 | $256.0M | $1.2B |
总债务ALITFISV
| Q4 25 | $2.0B | $27.8B | ||
| Q3 25 | $2.0B | $28.9B | ||
| Q2 25 | $2.0B | $28.1B | ||
| Q1 25 | $2.0B | $27.0B | ||
| Q4 24 | $2.0B | $23.7B | ||
| Q3 24 | $2.0B | $24.1B | ||
| Q2 24 | $2.8B | $24.4B | ||
| Q1 24 | $2.8B | $23.8B |
股东权益ALITFISV
| Q4 25 | $1.0B | $25.8B | ||
| Q3 25 | $2.0B | $25.1B | ||
| Q2 25 | $3.1B | $25.2B | ||
| Q1 25 | $4.2B | $25.9B | ||
| Q4 24 | $4.3B | $27.1B | ||
| Q3 24 | $4.3B | $27.8B | ||
| Q2 24 | $4.5B | $28.2B | ||
| Q1 24 | $4.5B | $28.8B |
总资产ALITFISV
| Q4 25 | $4.6B | $80.1B | ||
| Q3 25 | $5.5B | $79.4B | ||
| Q2 25 | $6.8B | $81.5B | ||
| Q1 25 | $7.9B | $80.4B | ||
| Q4 24 | $8.2B | $77.2B | ||
| Q3 24 | $8.3B | $79.8B | ||
| Q2 24 | $10.5B | $93.4B | ||
| Q1 24 | $10.7B | $92.7B |
负债/权益比ALITFISV
| Q4 25 | 1.92× | 1.08× | ||
| Q3 25 | 1.00× | 1.15× | ||
| Q2 25 | 0.65× | 1.11× | ||
| Q1 25 | 0.48× | 1.04× | ||
| Q4 24 | 0.47× | 0.88× | ||
| Q3 24 | 0.47× | 0.87× | ||
| Q2 24 | 0.62× | 0.87× | ||
| Q1 24 | 0.62× | 0.82× |
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 | $124.0M | $1.9B |
| 自由现金流经营现金流 - 资本支出 | $99.0M | $1.5B |
| 自由现金流率自由现金流/营收 | 15.2% | 28.4% |
| 资本支出强度资本支出/营收 | 3.8% | 8.4% |
| 现金转化率经营现金流/净利润 | — | 2.40× |
| 过去12个月自由现金流最近4个季度 | $250.0M | $4.3B |
8季度趋势，按日历期对齐
经营现金流ALITFISV
| Q4 25 | $124.0M | $1.9B | ||
| Q3 25 | $77.0M | $1.8B | ||
| Q2 25 | $86.0M | $1.7B | ||
| Q1 25 | $73.0M | $648.0M | ||
| Q4 24 | $118.0M | $2.2B | ||
| Q3 24 | $-24.0M | $2.2B | ||
| Q2 24 | $58.0M | $1.3B | ||
| Q1 24 | $100.0M | $831.0M |
自由现金流ALITFISV
| Q4 25 | $99.0M | $1.5B | ||
| Q3 25 | $49.0M | $1.3B | ||
| Q2 25 | $58.0M | $1.2B | ||
| Q1 25 | $44.0M | $313.0M | ||
| Q4 24 | $92.0M | $1.8B | ||
| Q3 24 | $-52.0M | $1.8B | ||
| Q2 24 | $22.0M | $993.0M | ||
| Q1 24 | $69.0M | $411.0M |
自由现金流率ALITFISV
| Q4 25 | 15.2% | 28.4% | ||
| Q3 25 | 9.2% | 24.7% | ||
| Q2 25 | 11.0% | 21.5% | ||
| Q1 25 | 8.0% | 6.1% | ||
| Q4 24 | 13.5% | 34.7% | ||
| Q3 24 | -9.4% | 35.2% | ||
| Q2 24 | 4.1% | 19.4% | ||
| Q1 24 | 12.3% | 8.4% |
资本支出强度ALITFISV
| Q4 25 | 3.8% | 8.4% | ||
| Q3 25 | 5.3% | 9.6% | ||
| Q2 25 | 5.3% | 8.7% | ||
| Q1 25 | 5.3% | 6.5% | ||
| Q4 24 | 3.8% | 7.6% | ||
| Q3 24 | 5.0% | 7.7% | ||
| Q2 24 | 6.7% | 6.8% | ||
| Q1 24 | 5.5% | 8.6% |
现金转化率ALITFISV
| Q4 25 | — | 2.40× | ||
| Q3 25 | — | 2.28× | ||
| Q2 25 | — | 1.62× | ||
| Q1 25 | — | 0.76× | ||
| Q4 24 | 14.75× | 2.37× | ||
| Q3 24 | — | 3.97× | ||
| Q2 24 | 2.52× | 1.50× | ||
| Q1 24 | — | 1.13× |
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
ALIT
| Recurring | $607.0M | 93% |
| Projects | $46.0M | 7% |
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% |
