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Equifax（EFX）与Rocket Companies, Inc.（RKT）财务数据对比。点击上方公司名可切换其他公司
Rocket Companies, Inc.的季度营收约是Equifax的1.6倍（$2.7B vs $1.6B），Equifax净利率更高（10.4% vs 2.5%，领先7.9%），Equifax同比增速更快（697.0% vs 52.2%），过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% vs 7.4%）
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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
EFX vs RKT — 直观对比
营收规模更大
RKT
是对方的1.6倍
$1.6B
营收增速更快
EFX
高出644.8%
52.2%
净利率更高
EFX
高出7.9%
2.5%
两年增速更快
RKT
近两年复合增速
7.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $2.7B |
| 净利润 | $171.5M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | 17.4% | 6.3% |
| 净利率 | 10.4% | 2.5% |
| 营收同比 | 697.0% | 52.2% |
| 净利润同比 | 28.9% | 100.8% |
| 每股收益（稀释后） | $120.80 | $0.10 |
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EFXRKT
| Q2 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $2.7B | ||
| Q3 25 | $1.5B | $1.6B | ||
| Q2 25 | $1.5B | $1.4B | ||
| Q1 25 | $1.4B | $1.0B | ||
| Q4 24 | $1.4B | $1.8B | ||
| Q3 24 | $1.4B | $646.9M | ||
| Q2 24 | $1.4B | $1.3B |
净利润EFXRKT
| Q2 26 | $171.5M | — | ||
| Q4 25 | $175.7M | $68.0M | ||
| Q3 25 | $160.2M | $-123.9M | ||
| Q2 25 | $191.3M | $-1.8M | ||
| Q1 25 | $133.1M | $-10.4M | ||
| Q4 24 | $174.0M | $33.9M | ||
| Q3 24 | $141.3M | $-22.0M | ||
| Q2 24 | $163.9M | $1.3M |
毛利率EFXRKT
| Q2 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% |
营业利润率EFXRKT
| Q2 26 | 17.4% | — | ||
| Q4 25 | 18.3% | 6.3% | ||
| Q3 25 | 17.1% | -11.5% | ||
| Q2 25 | 20.2% | 1.8% | ||
| Q1 25 | 16.4% | -21.5% | ||
| Q4 24 | 20.3% | 38.1% | ||
| Q3 24 | 17.1% | -76.9% | ||
| Q2 24 | 19.7% | 14.8% |
净利率EFXRKT
| Q2 26 | 10.4% | — | ||
| Q4 25 | 11.3% | 2.5% | ||
| Q3 25 | 10.4% | -7.7% | ||
| Q2 25 | 12.4% | -0.1% | ||
| Q1 25 | 9.2% | -1.0% | ||
| Q4 24 | 12.3% | 1.9% | ||
| Q3 24 | 9.8% | -3.4% | ||
| Q2 24 | 11.5% | 0.1% |
每股收益（稀释后）EFXRKT
| Q2 26 | $120.80 | — | ||
| Q4 25 | $1.44 | $0.10 | ||
| Q3 25 | $1.29 | $-0.06 | ||
| Q2 25 | $1.53 | $-0.01 | ||
| Q1 25 | $1.06 | $-0.08 | ||
| Q4 24 | $1.40 | $0.28 | ||
| Q3 24 | $1.13 | $-0.19 | ||
| Q2 24 | $1.31 | $0.01 |
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 | $2.7B |
| 总债务越低越好 | $5.3B | — |
| 股东权益账面价值 | $4.6B | $22.9B |
| 总资产 | $11.9B | $60.7B |
| 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EFXRKT
| Q2 26 | $183.4M | — | ||
| Q4 25 | $180.8M | $2.7B | ||
| Q3 25 | $189.0M | $5.8B | ||
| Q2 25 | $189.0M | $5.1B | ||
| Q1 25 | $195.2M | $1.4B | ||
| Q4 24 | $169.9M | $1.3B | ||
| Q3 24 | $468.2M | $1.2B | ||
| Q2 24 | $181.9M | $1.3B |
总债务EFXRKT
| Q2 26 | $5.3B | — | ||
| Q4 25 | $5.1B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $5.0B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益EFXRKT
| Q2 26 | $4.6B | — | ||
| Q4 25 | $4.6B | $22.9B | ||
| Q3 25 | $4.9B | $8.9B | ||
| Q2 25 | $5.1B | $7.4B | ||
| Q1 25 | $5.0B | $8.6B | ||
| Q4 24 | $4.8B | $9.0B | ||
| Q3 24 | $4.9B | $8.4B | ||
| Q2 24 | $4.7B | $8.8B |
总资产EFXRKT
| Q2 26 | $11.9B | — | ||
| Q4 25 | $11.9B | $60.7B | ||
| Q3 25 | $11.8B | $33.6B | ||
| Q2 25 | $11.9B | $30.4B | ||
| Q1 25 | $11.9B | $25.3B | ||
| Q4 24 | $11.8B | $24.5B | ||
| Q3 24 | $12.3B | $25.1B | ||
| Q2 24 | $12.2B | $23.6B |
负债/权益比EFXRKT
| Q2 26 | 1.16× | — | ||
| Q4 25 | 1.11× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.05× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3B |
| 自由现金流率自由现金流/营收 | — | -47.2% |
| 资本支出强度资本支出/营收 | 7.3% | 1.5% |
| 现金转化率经营现金流/净利润 | — | -18.08× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流EFXRKT
| Q2 26 | — | — | ||
| Q4 25 | $470.8M | $-1.2B | ||
| Q3 25 | $559.9M | $-50.3M | ||
| Q2 25 | $361.1M | $-1.9B | ||
| Q1 25 | $223.9M | $-797.0M | ||
| Q4 24 | $324.8M | $1.8B | ||
| Q3 24 | $479.5M | $-1.3B | ||
| Q2 24 | $267.5M | $-122.3M |
自由现金流EFXRKT
| Q2 26 | — | — | ||
| Q4 25 | $340.8M | $-1.3B | ||
| Q3 25 | $437.9M | $-71.8M | ||
| Q2 25 | $238.9M | $-1.9B | ||
| Q1 25 | $116.7M | $-811.0M | ||
| Q4 24 | $205.9M | $1.8B | ||
| Q3 24 | $355.5M | $-1.4B | ||
| Q2 24 | $130.8M | $-138.3M |
自由现金流率EFXRKT
| Q2 26 | — | — | ||
| Q4 25 | 22.0% | -47.2% | ||
| Q3 25 | 28.3% | -4.5% | ||
| Q2 25 | 15.5% | -137.2% | ||
| Q1 25 | 8.1% | -78.2% | ||
| Q4 24 | 14.5% | 103.1% | ||
| Q3 24 | 24.7% | -209.6% | ||
| Q2 24 | 9.1% | -10.6% |
资本支出强度EFXRKT
| Q2 26 | 7.3% | — | ||
| Q4 25 | 8.4% | 1.5% | ||
| Q3 25 | 7.9% | 1.3% | ||
| Q2 25 | 8.0% | 1.1% | ||
| Q1 25 | 7.4% | 1.4% | ||
| Q4 24 | 8.4% | 1.1% | ||
| Q3 24 | 8.6% | 2.9% | ||
| Q2 24 | 9.6% | 1.2% |
现金转化率EFXRKT
| Q2 26 | — | — | ||
| Q4 25 | 2.68× | -18.08× | ||
| Q3 25 | 3.50× | — | ||
| Q2 25 | 1.89× | — | ||
| Q1 25 | 1.68× | — | ||
| Q4 24 | 1.87× | 54.42× | ||
| Q3 24 | 3.39× | — | ||
| Q2 24 | 1.63× | -94.46× |
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 | $448.1M | 27% |
| Other | $381.5M | 23% |
| Employer Services | $116.4M | 7% |
| Asia Pacific | $79.7M | 5% |
| Financial Marketing Services | $51.8M | 3% |
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
