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Equifax（EFX）与Travel & Leisure Co.（TNL）财务数据对比。点击上方公司名可切换其他公司
Equifax的季度营收约是Travel & Leisure Co.的1.7倍（$1.6B vs $961.0M），Equifax净利率更高（10.4% vs 8.2%，领先2.2%），Equifax同比增速更快（697.0% vs 2.9%），过去两年Equifax的营收复合增速更高（7.4% vs -1.2%）
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。
Travel + Leisure Co.是一家总部位于美国佛罗里达州奥兰多的分时度假企业，旗下运营温德姆俱乐部、温德姆WorldMark、玛格丽塔维尔度假俱乐部、雅高度假俱乐部等多个度假所有权品牌，开发、销售并管理分时度假物业，同时主要通过RCI提供分时度假交换服务，还运营Travel + Leisure GO等旅行俱乐部。
EFX vs TNL — 直观对比
营收规模更大
EFX
是对方的1.7倍
$961.0M
营收增速更快
EFX
高出694.1%
2.9%
净利率更高
EFX
高出2.2%
8.2%
两年增速更快
EFX
近两年复合增速
-1.2%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $961.0M |
| 净利润 | $171.5M | $79.0M |
| 毛利率 | — | — |
| 营业利润率 | 17.4% | 16.5% |
| 净利率 | 10.4% | 8.2% |
| 营收同比 | 697.0% | 2.9% |
| 净利润同比 | 28.9% | 8.2% |
| 每股收益（稀释后） | $120.80 | $1.22 |
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EFXTNL
| Q2 26 | $1.6B | — | ||
| Q1 26 | — | $961.0M | ||
| Q4 25 | $1.6B | $1.0B | ||
| Q3 25 | $1.5B | $1.0B | ||
| Q2 25 | $1.5B | $1.0B | ||
| Q1 25 | $1.4B | $934.0M | ||
| Q4 24 | $1.4B | $970.0M | ||
| Q3 24 | $1.4B | $993.0M |
净利润EFXTNL
| Q2 26 | $171.5M | — | ||
| Q1 26 | — | $79.0M | ||
| Q4 25 | $175.7M | $-62.0M | ||
| Q3 25 | $160.2M | $111.0M | ||
| Q2 25 | $191.3M | $108.0M | ||
| Q1 25 | $133.1M | $73.0M | ||
| Q4 24 | $174.0M | $119.0M | ||
| Q3 24 | $141.3M | $97.0M |
毛利率EFXTNL
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | — | 78.9% | ||
| Q3 25 | — | 98.8% | ||
| Q2 25 | — | 97.9% | ||
| Q1 25 | — | 97.5% | ||
| Q4 24 | — | 99.0% | ||
| Q3 24 | — | 97.3% |
营业利润率EFXTNL
| Q2 26 | 17.4% | — | ||
| Q1 26 | — | 16.5% | ||
| Q4 25 | 18.3% | -2.2% | ||
| Q3 25 | 17.1% | 20.5% | ||
| Q2 25 | 20.2% | 20.2% | ||
| Q1 25 | 16.4% | 16.7% | ||
| Q4 24 | 20.3% | 21.1% | ||
| Q3 24 | 17.1% | 19.0% |
净利率EFXTNL
| Q2 26 | 10.4% | — | ||
| Q1 26 | — | 8.2% | ||
| Q4 25 | 11.3% | -6.0% | ||
| Q3 25 | 10.4% | 10.6% | ||
| Q2 25 | 12.4% | 10.6% | ||
| Q1 25 | 9.2% | 7.8% | ||
| Q4 24 | 12.3% | 12.3% | ||
| Q3 24 | 9.8% | 9.8% |
每股收益（稀释后）EFXTNL
| Q2 26 | $120.80 | — | ||
| Q1 26 | — | $1.22 | ||
| Q4 25 | $1.44 | $-0.92 | ||
| Q3 25 | $1.29 | $1.67 | ||
| Q2 25 | $1.53 | $1.62 | ||
| Q1 25 | $1.06 | $1.07 | ||
| Q4 24 | $1.40 | $1.70 | ||
| Q3 24 | $1.13 | $1.39 |
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 | $254.0M |
| 总债务越低越好 | $5.3B | — |
| 股东权益账面价值 | $4.6B | — |
| 总资产 | $11.9B | $6.8B |
| 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EFXTNL
| Q2 26 | $183.4M | — | ||
| Q1 26 | — | $254.0M | ||
| Q4 25 | $180.8M | $271.0M | ||
| Q3 25 | $189.0M | $240.0M | ||
| Q2 25 | $189.0M | $212.0M | ||
| Q1 25 | $195.2M | $188.0M | ||
| Q4 24 | $169.9M | $185.0M | ||
| Q3 24 | $468.2M | $194.0M |
总债务EFXTNL
| Q2 26 | $5.3B | — | ||
| Q1 26 | — | — | ||
| Q4 25 | $5.1B | $5.6B | ||
| Q3 25 | — | $5.6B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.7B | ||
| Q4 24 | $5.0B | $5.6B | ||
| Q3 24 | — | $5.6B |
股东权益EFXTNL
| Q2 26 | $4.6B | — | ||
| Q1 26 | — | — | ||
| Q4 25 | $4.6B | $-981.0M | ||
| Q3 25 | $4.9B | $-821.0M | ||
| Q2 25 | $5.1B | $-852.0M | ||
| Q1 25 | $5.0B | $-903.0M | ||
| Q4 24 | $4.8B | $-881.0M | ||
| Q3 24 | $4.9B | $-862.0M |
总资产EFXTNL
| Q2 26 | $11.9B | — | ||
| Q1 26 | — | $6.8B | ||
| Q4 25 | $11.9B | $6.8B | ||
| Q3 25 | $11.8B | $6.9B | ||
| Q2 25 | $11.9B | $6.8B | ||
| Q1 25 | $11.9B | $6.8B | ||
| Q4 24 | $11.8B | $6.7B | ||
| Q3 24 | $12.3B | $6.7B |
负债/权益比EFXTNL
| Q2 26 | 1.16× | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 1.11× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.05× | — | ||
| Q3 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 | — | $38.0M |
| 自由现金流经营现金流 - 资本支出 | — | $0 |
| 自由现金流率自由现金流/营收 | — | 0.0% |
| 资本支出强度资本支出/营收 | 7.3% | — |
| 现金转化率经营现金流/净利润 | — | 0.48× |
| 过去12个月自由现金流最近4个季度 | — | $423.0M |
8季度趋势，按日历期对齐
经营现金流EFXTNL
| Q2 26 | — | — | ||
| Q1 26 | — | $38.0M | ||
| Q4 25 | $470.8M | $124.0M | ||
| Q3 25 | $559.9M | $163.0M | ||
| Q2 25 | $361.1M | $232.0M | ||
| Q1 25 | $223.9M | $121.0M | ||
| Q4 24 | $324.8M | $98.0M | ||
| Q3 24 | $479.5M | $145.0M |
自由现金流EFXTNL
| Q2 26 | — | — | ||
| Q1 26 | — | $0 | ||
| Q4 25 | $340.8M | $92.0M | ||
| Q3 25 | $437.9M | $136.0M | ||
| Q2 25 | $238.9M | $195.0M | ||
| Q1 25 | $116.7M | $100.0M | ||
| Q4 24 | $205.9M | $75.0M | ||
| Q3 24 | $355.5M | $125.0M |
自由现金流率EFXTNL
| Q2 26 | — | — | ||
| Q1 26 | — | 0.0% | ||
| Q4 25 | 22.0% | 9.0% | ||
| Q3 25 | 28.3% | 13.0% | ||
| Q2 25 | 15.5% | 19.2% | ||
| Q1 25 | 8.1% | 10.7% | ||
| Q4 24 | 14.5% | 7.7% | ||
| Q3 24 | 24.7% | 12.6% |
资本支出强度EFXTNL
| Q2 26 | 7.3% | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 8.4% | 3.1% | ||
| Q3 25 | 7.9% | 2.6% | ||
| Q2 25 | 8.0% | 3.6% | ||
| Q1 25 | 7.4% | 2.2% | ||
| Q4 24 | 8.4% | 2.4% | ||
| Q3 24 | 8.6% | 2.0% |
现金转化率EFXTNL
| Q2 26 | — | — | ||
| Q1 26 | — | 0.48× | ||
| Q4 25 | 2.68× | — | ||
| Q3 25 | 3.50× | 1.47× | ||
| Q2 25 | 1.89× | 2.15× | ||
| Q1 25 | 1.68× | 1.66× | ||
| Q4 24 | 1.87× | 0.82× | ||
| Q3 24 | 3.39× | 1.49× |
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% |
TNL
| Other | $452.0M | 47% |
| Service and membership fees | $396.0M | 41% |
| Consumer financing | $113.0M | 12% |
