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Equifax（EFX）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是Equifax的1.3倍（$2.2B vs $1.6B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 10.4%，领先13.1%），Equifax同比增速更快（14.3% vs -36.8%），过去两年Equifax的营收复合增速更高（6.9% vs -11.9%）
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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
EFX vs RNR — 直观对比
营收规模更大
RNR
是对方的1.3倍
$1.6B
营收增速更快
EFX
高出51.1%
-36.8%
净利率更高
RNR
高出13.1%
10.4%
两年增速更快
EFX
近两年复合增速
-11.9%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $2.2B |
| 净利润 | $171.5M | $515.8M |
| 毛利率 | — | — |
| 营业利润率 | 17.4% | — |
| 净利率 | 10.4% | 23.5% |
| 营收同比 | 14.3% | -36.8% |
| 净利润同比 | 28.9% | 72.6% |
| 每股收益（稀释后） | — | $6.57 |
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EFXRNR
| Q2 26 | $1.6B | — | ||
| Q1 26 | $1.6B | $2.2B | ||
| Q4 25 | $1.6B | $3.0B | ||
| Q3 25 | $1.5B | $3.2B | ||
| Q2 25 | $1.5B | $3.2B | ||
| Q1 25 | $1.4B | $3.5B | ||
| Q4 24 | $1.4B | $2.3B | ||
| Q3 24 | $1.4B | $4.0B |
净利润EFXRNR
| Q2 26 | $171.5M | — | ||
| Q1 26 | $171.5M | $515.8M | ||
| Q4 25 | $175.7M | $760.5M | ||
| Q3 25 | $160.2M | $916.5M | ||
| Q2 25 | $191.3M | $835.4M | ||
| Q1 25 | $133.1M | $170.0M | ||
| Q4 24 | $174.0M | $-189.7M | ||
| Q3 24 | $141.3M | $1.2B |
营业利润率EFXRNR
| Q2 26 | 17.4% | — | ||
| Q1 26 | 17.4% | — | ||
| Q4 25 | 18.3% | 42.5% | ||
| Q3 25 | 17.1% | 46.3% | ||
| Q2 25 | 20.2% | 41.8% | ||
| Q1 25 | 16.4% | -2.0% | ||
| Q4 24 | 20.3% | -3.6% | ||
| Q3 24 | 17.1% | 43.7% |
净利率EFXRNR
| Q2 26 | 10.4% | — | ||
| Q1 26 | 10.4% | 23.5% | ||
| Q4 25 | 11.3% | 25.6% | ||
| Q3 25 | 10.4% | 28.7% | ||
| Q2 25 | 12.4% | 26.1% | ||
| Q1 25 | 9.2% | 4.9% | ||
| Q4 24 | 12.3% | -8.3% | ||
| Q3 24 | 9.8% | 29.8% |
每股收益（稀释后）EFXRNR
| Q2 26 | — | — | ||
| Q1 26 | — | $6.57 | ||
| Q4 25 | $1.44 | $16.16 | ||
| Q3 25 | $1.29 | $19.40 | ||
| Q2 25 | $1.53 | $17.20 | ||
| Q1 25 | $1.06 | $3.27 | ||
| Q4 24 | $1.40 | $-3.76 | ||
| Q3 24 | $1.13 | $22.62 |
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 | $183.4M | $1.6B |
| 总债务越低越好 | $5.3B | — |
| 股东权益账面价值 | $4.6B | $4.3B |
| 总资产 | $11.9B | $53.7B |
| 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EFXRNR
| Q2 26 | $183.4M | — | ||
| Q1 26 | $183.4M | $1.6B | ||
| Q4 25 | $180.8M | $1.7B | ||
| Q3 25 | $189.0M | $1.7B | ||
| Q2 25 | $189.0M | $1.4B | ||
| Q1 25 | $195.2M | $1.6B | ||
| Q4 24 | $169.9M | $1.7B | ||
| Q3 24 | $468.2M | $1.6B |
总债务EFXRNR
| Q2 26 | $5.3B | — | ||
| Q1 26 | $5.3B | — | ||
| Q4 25 | $5.1B | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | $5.0B | $1.9B | ||
| Q3 24 | — | $1.9B |
股东权益EFXRNR
| Q2 26 | $4.6B | — | ||
| Q1 26 | $4.6B | $4.3B | ||
| Q4 25 | $4.6B | $11.6B | ||
| Q3 25 | $4.9B | $11.5B | ||
| Q2 25 | $5.1B | $10.8B | ||
| Q1 25 | $5.0B | $10.3B | ||
| Q4 24 | $4.8B | $10.6B | ||
| Q3 24 | $4.9B | $11.2B |
总资产EFXRNR
| Q2 26 | $11.9B | — | ||
| Q1 26 | $11.9B | $53.7B | ||
| Q4 25 | $11.9B | $53.8B | ||
| Q3 25 | $11.8B | $54.5B | ||
| Q2 25 | $11.9B | $54.7B | ||
| Q1 25 | $11.9B | $53.6B | ||
| Q4 24 | $11.8B | $50.7B | ||
| Q3 24 | $12.3B | $52.8B |
负债/权益比EFXRNR
| Q2 26 | 1.16× | — | ||
| Q1 26 | 1.16× | — | ||
| Q4 25 | 1.11× | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | 1.05× | 0.18× | ||
| Q3 24 | — | 0.17× |
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% |
RNR
暂无分部数据
