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Equifax（EFX）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
RYDER SYSTEM INC的季度营收约是Equifax的1.9倍（$3.1B vs $1.6B），Equifax净利率更高（10.4% vs 3.0%，领先7.4%），Equifax同比增速更快（14.3% vs 1.0%），过去两年Equifax的营收复合增速更高（6.9% vs -0.9%）
Equifax是总部位于美国佐治亚州亚特兰大的跨国消费信用报告机构，与益博睿、环联并称全球三大消费信用报告机构，在全球范围内收集汇总了超过8亿名个人消费者及8800万家企业的相关信息。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
EFX vs R — 直观对比
营收规模更大
R
是对方的1.9倍
$1.6B
营收增速更快
EFX
高出13.3%
1.0%
净利率更高
EFX
高出7.4%
3.0%
两年增速更快
EFX
近两年复合增速
-0.9%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $3.1B |
| 净利润 | $171.5M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 17.4% | — |
| 净利率 | 10.4% | 3.0% |
| 营收同比 | 14.3% | 1.0% |
| 净利润同比 | 28.9% | -5.1% |
| 每股收益（稀释后） | — | $2.34 |
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EFXR
| Q2 26 | $1.6B | — | ||
| Q1 26 | $1.6B | $3.1B | ||
| Q4 25 | $1.6B | $3.2B | ||
| Q3 25 | $1.5B | $3.2B | ||
| Q2 25 | $1.5B | $3.2B | ||
| Q1 25 | $1.4B | $3.1B | ||
| Q4 24 | $1.4B | $3.2B | ||
| Q3 24 | $1.4B | $3.2B |
净利润EFXR
| Q2 26 | $171.5M | — | ||
| Q1 26 | $171.5M | $93.0M | ||
| Q4 25 | $175.7M | $132.0M | ||
| Q3 25 | $160.2M | $138.0M | ||
| Q2 25 | $191.3M | $131.0M | ||
| Q1 25 | $133.1M | $98.0M | ||
| Q4 24 | $174.0M | $135.0M | ||
| Q3 24 | $141.3M | $142.0M |
营业利润率EFXR
| Q2 26 | 17.4% | — | ||
| Q1 26 | 17.4% | — | ||
| Q4 25 | 18.3% | 5.6% | ||
| Q3 25 | 17.1% | 6.0% | ||
| Q2 25 | 20.2% | 5.8% | ||
| Q1 25 | 16.4% | 4.3% | ||
| Q4 24 | 20.3% | 5.7% | ||
| Q3 24 | 17.1% | 5.9% |
净利率EFXR
| Q2 26 | 10.4% | — | ||
| Q1 26 | 10.4% | 3.0% | ||
| Q4 25 | 11.3% | 4.2% | ||
| Q3 25 | 10.4% | 4.4% | ||
| Q2 25 | 12.4% | 4.1% | ||
| Q1 25 | 9.2% | 3.1% | ||
| Q4 24 | 12.3% | 4.2% | ||
| Q3 24 | 9.8% | 4.5% |
每股收益（稀释后）EFXR
| Q2 26 | — | — | ||
| Q1 26 | — | $2.34 | ||
| Q4 25 | $1.44 | $3.22 | ||
| Q3 25 | $1.29 | $3.32 | ||
| Q2 25 | $1.53 | $3.13 | ||
| Q1 25 | $1.06 | $2.27 | ||
| Q4 24 | $1.40 | $3.09 | ||
| Q3 24 | $1.13 | $3.24 |
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 | $183.4M | $182.0M |
| 总债务越低越好 | $5.3B | — |
| 股东权益账面价值 | $4.6B | $2.9B |
| 总资产 | $11.9B | — |
| 负债/权益比越低杠杆越低 | 1.16× | — |
8季度趋势，按日历期对齐
现金及短期投资EFXR
| Q2 26 | $183.4M | — | ||
| Q1 26 | $183.4M | $182.0M | ||
| Q4 25 | $180.8M | $198.0M | ||
| Q3 25 | $189.0M | $189.0M | ||
| Q2 25 | $189.0M | $180.0M | ||
| Q1 25 | $195.2M | $151.0M | ||
| Q4 24 | $169.9M | $154.0M | ||
| Q3 24 | $468.2M | $162.0M |
总债务EFXR
| Q2 26 | $5.3B | — | ||
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.1B | $6.8B | ||
| Q3 25 | — | $7.3B | ||
| Q2 25 | — | $7.0B | ||
| Q1 25 | — | $6.7B | ||
| Q4 24 | $5.0B | $6.7B | ||
| Q3 24 | — | $6.6B |
股东权益EFXR
| Q2 26 | $4.6B | — | ||
| Q1 26 | $4.6B | $2.9B | ||
| Q4 25 | $4.6B | $3.1B | ||
| Q3 25 | $4.9B | $3.1B | ||
| Q2 25 | $5.1B | $3.1B | ||
| Q1 25 | $5.0B | $3.0B | ||
| Q4 24 | $4.8B | $3.1B | ||
| Q3 24 | $4.9B | $3.1B |
总资产EFXR
| Q2 26 | $11.9B | — | ||
| Q1 26 | $11.9B | — | ||
| Q4 25 | $11.9B | $16.4B | ||
| Q3 25 | $11.8B | $16.5B | ||
| Q2 25 | $11.9B | $16.5B | ||
| Q1 25 | $11.9B | $16.4B | ||
| Q4 24 | $11.8B | $16.7B | ||
| Q3 24 | $12.3B | $16.5B |
负债/权益比EFXR
| Q2 26 | 1.16× | — | ||
| Q1 26 | 1.16× | — | ||
| Q4 25 | 1.11× | 2.24× | ||
| Q3 25 | — | 2.35× | ||
| Q2 25 | — | 2.27× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | 1.05× | 2.14× | ||
| Q3 24 | — | 2.17× |
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 | — | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | 7.3% | 13.7% |
| 现金转化率经营现金流/净利润 | — | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流EFXR
| Q2 26 | — | — | ||
| Q1 26 | — | $583.0M | ||
| Q4 25 | $470.8M | $749.0M | ||
| Q3 25 | $559.9M | $442.0M | ||
| Q2 25 | $361.1M | $752.0M | ||
| Q1 25 | $223.9M | $651.0M | ||
| Q4 24 | $324.8M | $558.0M | ||
| Q3 24 | $479.5M | $629.0M |
自由现金流EFXR
| Q2 26 | — | — | ||
| Q1 26 | — | $273.0M | ||
| Q4 25 | $340.8M | $344.0M | ||
| Q3 25 | $437.9M | $-85.0M | ||
| Q2 25 | $238.9M | $63.0M | ||
| Q1 25 | $116.7M | $137.0M | ||
| Q4 24 | $205.9M | $-201.0M | ||
| Q3 24 | $355.5M | $30.0M |
自由现金流率EFXR
| Q2 26 | — | — | ||
| Q1 26 | — | 8.7% | ||
| Q4 25 | 22.0% | 10.8% | ||
| Q3 25 | 28.3% | -2.7% | ||
| Q2 25 | 15.5% | 2.0% | ||
| Q1 25 | 8.1% | 4.4% | ||
| Q4 24 | 14.5% | -6.3% | ||
| Q3 24 | 24.7% | 0.9% |
资本支出强度EFXR
| Q2 26 | 7.3% | — | ||
| Q1 26 | 7.3% | 13.7% | ||
| Q4 25 | 8.4% | 12.8% | ||
| Q3 25 | 7.9% | 16.6% | ||
| Q2 25 | 8.0% | 21.6% | ||
| Q1 25 | 7.4% | 16.4% | ||
| Q4 24 | 8.4% | 23.8% | ||
| Q3 24 | 8.6% | 18.9% |
现金转化率EFXR
| Q2 26 | — | — | ||
| Q1 26 | — | 6.27× | ||
| Q4 25 | 2.68× | 5.67× | ||
| Q3 25 | 3.50× | 3.20× | ||
| Q2 25 | 1.89× | 5.74× | ||
| Q1 25 | 1.68× | 6.64× | ||
| Q4 24 | 1.87× | 4.13× | ||
| Q3 24 | 3.39× | 4.43× |
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
EFX
| Verification Services | $571.4M | 35% |
| Online Information Solutions | $553.7M | 34% |
| Employer Services | $111.7M | 7% |
| Latin America | $102.7M | 6% |
| Europe | $94.0M | 6% |
| Asia Pacific | $92.6M | 6% |
| Canada | $70.9M | 4% |
| Other | $51.9M | 3% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
