vs
Dayforce（DAY）与STEWART INFORMATION SERVICES CORP（STC）财务数据对比。点击上方公司名可切换其他公司
STEWART INFORMATION SERVICES CORP的季度营收约是Dayforce的1.6倍（$764.6M vs $481.6M），STEWART INFORMATION SERVICES CORP净利率更高（2.2% vs -40.9%，领先43.1%），STEWART INFORMATION SERVICES CORP同比增速更快（27.7% vs 9.5%），过去两年STEWART INFORMATION SERVICES CORP的营收复合增速更高（12.7% vs 9.8%）
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
斯图尔特信息服务公司（STC）是一家主营房地产信息、产权保险及交易管理服务的企业，旗下全资子公司斯图尔特产权担保公司、斯图尔特产权公司通过直营网点、斯图尔特可信供应商网络内的独立代理机构及合作企业，为美国及全球市场提供相关产品与服务，总部位于得克萨斯州休斯敦，现有员工约6350人。
DAY vs STC — 直观对比
营收规模更大
STC
是对方的1.6倍
$481.6M
营收增速更快
STC
高出18.2%
9.5%
净利率更高
STC
高出43.1%
-40.9%
两年增速更快
STC
近两年复合增速
9.8%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $764.6M |
| 净利润 | $-196.8M | $17.0M |
| 毛利率 | — | — |
| 营业利润率 | 6.3% | — |
| 净利率 | -40.9% | 2.2% |
| 营收同比 | 9.5% | 27.7% |
| 净利润同比 | -9940.0% | 448.4% |
| 每股收益（稀释后） | $-1.23 | — |
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DAYSTC
| Q1 26 | — | $764.6M | ||
| Q4 25 | — | $790.6M | ||
| Q3 25 | $481.6M | $796.9M | ||
| Q2 25 | $464.7M | $722.2M | ||
| Q1 25 | $481.8M | $612.0M | ||
| Q4 24 | $465.2M | $665.9M | ||
| Q3 24 | $440.0M | $667.9M | ||
| Q2 24 | $423.3M | $602.2M |
净利润DAYSTC
| Q1 26 | — | $17.0M | ||
| Q4 25 | — | $36.3M | ||
| Q3 25 | $-196.8M | $44.3M | ||
| Q2 25 | $21.3M | $31.9M | ||
| Q1 25 | $14.9M | $3.1M | ||
| Q4 24 | $10.8M | $22.7M | ||
| Q3 24 | $2.0M | $30.1M | ||
| Q2 24 | $-1.8M | $17.3M |
毛利率DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — |
营业利润率DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | 6.5% | ||
| Q3 25 | 6.3% | 7.7% | ||
| Q2 25 | 9.1% | 6.5% | ||
| Q1 25 | 6.4% | 1.0% | ||
| Q4 24 | 6.1% | 5.3% | ||
| Q3 24 | 4.7% | 6.4% | ||
| Q2 24 | 3.3% | 4.8% |
净利率DAYSTC
| Q1 26 | — | 2.2% | ||
| Q4 25 | — | 4.6% | ||
| Q3 25 | -40.9% | 5.6% | ||
| Q2 25 | 4.6% | 4.4% | ||
| Q1 25 | 3.1% | 0.5% | ||
| Q4 24 | 2.3% | 3.4% | ||
| Q3 24 | 0.5% | 4.5% | ||
| Q2 24 | -0.4% | 2.9% |
每股收益（稀释后）DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | $1.26 | ||
| Q3 25 | $-1.23 | $1.55 | ||
| Q2 25 | $0.13 | $1.13 | ||
| Q1 25 | $0.09 | $0.11 | ||
| Q4 24 | $0.07 | $0.81 | ||
| Q3 24 | $0.01 | $1.07 | ||
| Q2 24 | $-0.01 | $0.62 |
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 | $627.6M | $317.5M |
| 总债务越低越好 | $631.1M | — |
| 股东权益账面价值 | $2.7B | — |
| 总资产 | $8.7B | — |
| 负债/权益比越低杠杆越低 | 0.23× | — |
8季度趋势，按日历期对齐
现金及短期投资DAYSTC
| Q1 26 | — | $317.5M | ||
| Q4 25 | — | $369.7M | ||
| Q3 25 | $627.6M | $233.2M | ||
| Q2 25 | $625.2M | $223.8M | ||
| Q1 25 | $557.3M | $194.2M | ||
| Q4 24 | $579.7M | $257.5M | ||
| Q3 24 | $494.1M | $228.7M | ||
| Q2 24 | $465.4M | $176.7M |
总债务DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $631.1M | — | ||
| Q2 25 | $631.8M | — | ||
| Q1 25 | $632.4M | — | ||
| Q4 24 | $1.2B | $445.8M | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — |
股东权益DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | $1.6B | ||
| Q3 25 | $2.7B | $1.5B | ||
| Q2 25 | $2.7B | $1.4B | ||
| Q1 25 | $2.6B | $1.4B | ||
| Q4 24 | $2.5B | $1.4B | ||
| Q3 24 | $2.6B | $1.4B | ||
| Q2 24 | $2.5B | $1.4B |
总资产DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | $3.3B | ||
| Q3 25 | $8.7B | $2.8B | ||
| Q2 25 | $8.5B | $2.8B | ||
| Q1 25 | $9.5B | $2.7B | ||
| Q4 24 | $9.1B | $2.7B | ||
| Q3 24 | $8.1B | $2.7B | ||
| Q2 24 | $9.0B | $2.6B |
负债/权益比DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.23× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.47× | 0.32× | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — |
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 | $31.2M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | $89.5M | ||
| Q3 25 | $31.2M | $92.6M | ||
| Q2 25 | $112.7M | $53.4M | ||
| Q1 25 | $49.6M | $-29.9M | ||
| Q4 24 | $81.0M | $68.0M | ||
| Q3 24 | $91.8M | $76.1M | ||
| Q2 24 | $99.2M | $21.1M |
自由现金流DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | $62.3M | ||
| Q3 25 | — | $73.6M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $-42.2M | ||
| Q4 24 | — | $55.6M | ||
| Q3 24 | — | $67.4M | ||
| Q2 24 | — | $11.9M |
自由现金流率DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | 7.9% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | 5.4% | ||
| Q1 25 | — | -6.9% | ||
| Q4 24 | — | 8.4% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 2.0% |
资本支出强度DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.5% |
现金转化率DAYSTC
| Q1 26 | — | — | ||
| Q4 25 | — | 2.47× | ||
| Q3 25 | — | 2.09× | ||
| Q2 25 | 5.29× | 1.67× | ||
| Q1 25 | 3.33× | -9.73× | ||
| Q4 24 | 7.50× | 2.99× | ||
| Q3 24 | 45.90× | 2.53× | ||
| Q2 24 | — | 1.22× |
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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
STC
| Agency title | $333.0M | 44% |
| Direct title | $270.2M | 35% |
| Real estate solutions | $161.4M | 21% |
