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EVERTEC, Inc.（EVTC）与Forestar Group Inc.（FOR）财务数据对比。点击上方公司名可切换其他公司
Forestar Group Inc.的季度营收约是EVERTEC, Inc.的1.1倍（$273.0M vs $244.8M），EVERTEC, Inc.净利率更高（15.1% vs 5.6%，领先9.5%），EVERTEC, Inc.同比增速更快（13.1% vs 9.0%），EVERTEC, Inc.自由现金流更多（$63.7M vs $-157.1M），过去两年EVERTEC, Inc.的营收复合增速更高（9.2% vs -9.6%）
EVERTEC Inc.是总部位于波多黎各的领先全品类支付技术与交易处理服务商，主要面向拉丁美洲及加勒比地区的金融机构、零售商户和政府客户，提供商户收单、电子资金转账、数字支付解决方案及业务流程外包服务。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
EVTC vs FOR — 直观对比
营收规模更大
FOR
是对方的1.1倍
$244.8M
营收增速更快
EVTC
高出4.1%
9.0%
净利率更高
EVTC
高出9.5%
5.6%
自由现金流更多
EVTC
多$220.8M
$-157.1M
两年增速更快
EVTC
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $244.8M | $273.0M |
| 净利润 | $37.0M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | 17.6% | 7.6% |
| 净利率 | 15.1% | 5.6% |
| 营收同比 | 13.1% | 9.0% |
| 净利润同比 | -8.9% | -6.7% |
| 每股收益（稀释后） | $0.57 | $0.30 |
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EVTCFOR
| Q4 25 | $244.8M | $273.0M | ||
| Q3 25 | $228.6M | $670.5M | ||
| Q2 25 | $229.6M | $390.5M | ||
| Q1 25 | $228.8M | $351.0M | ||
| Q4 24 | $216.4M | $250.4M | ||
| Q3 24 | $211.8M | $551.3M | ||
| Q2 24 | $212.0M | $318.4M | ||
| Q1 24 | $205.3M | $333.8M |
净利润EVTCFOR
| Q4 25 | $37.0M | $15.4M | ||
| Q3 25 | $32.9M | $86.9M | ||
| Q2 25 | $40.5M | $32.9M | ||
| Q1 25 | $32.7M | $31.6M | ||
| Q4 24 | $40.7M | $16.5M | ||
| Q3 24 | $24.7M | $81.5M | ||
| Q2 24 | $31.9M | $38.7M | ||
| Q1 24 | $16.0M | $45.0M |
毛利率EVTCFOR
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
营业利润率EVTCFOR
| Q4 25 | 17.6% | 7.6% | ||
| Q3 25 | 16.5% | 16.9% | ||
| Q2 25 | 24.4% | 11.2% | ||
| Q1 25 | 21.6% | 11.6% | ||
| Q4 24 | 22.2% | 8.7% | ||
| Q3 24 | 19.6% | 19.7% | ||
| Q2 24 | 20.5% | 16.2% | ||
| Q1 24 | 16.0% | 17.6% |
净利率EVTCFOR
| Q4 25 | 15.1% | 5.6% | ||
| Q3 25 | 14.4% | 13.0% | ||
| Q2 25 | 17.6% | 8.4% | ||
| Q1 25 | 14.3% | 9.0% | ||
| Q4 24 | 18.8% | 6.6% | ||
| Q3 24 | 11.7% | 14.8% | ||
| Q2 24 | 15.0% | 12.2% | ||
| Q1 24 | 7.8% | 13.5% |
每股收益（稀释后）EVTCFOR
| Q4 25 | $0.57 | $0.30 | ||
| Q3 25 | $0.51 | $1.70 | ||
| Q2 25 | $0.62 | $0.65 | ||
| Q1 25 | $0.50 | $0.62 | ||
| Q4 24 | $0.62 | $0.32 | ||
| Q3 24 | $0.38 | $1.59 | ||
| Q2 24 | $0.49 | $0.76 | ||
| Q1 24 | $0.24 | $0.89 |
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 | $306.0M | $211.7M |
| 总债务越低越好 | — | $793.2M |
| 股东权益账面价值 | $621.6M | $1.8B |
| 总资产 | $2.2B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资EVTCFOR
| Q4 25 | $306.0M | $211.7M | ||
| Q3 25 | $474.7M | $379.2M | ||
| Q2 25 | $290.6M | $189.2M | ||
| Q1 25 | $265.9M | $174.3M | ||
| Q4 24 | $273.6M | $132.0M | ||
| Q3 24 | $275.4M | $481.2M | ||
| Q2 24 | $257.7M | $359.2M | ||
| Q1 24 | $293.7M | $416.2M |
总债务EVTCFOR
| Q4 25 | — | $793.2M | ||
| Q3 25 | — | $802.7M | ||
| Q2 25 | — | $872.8M | ||
| Q1 25 | — | $872.5M | ||
| Q4 24 | — | $806.8M | ||
| Q3 24 | — | $706.4M | ||
| Q2 24 | — | $706.1M | ||
| Q1 24 | — | $705.7M |
股东权益EVTCFOR
| Q4 25 | $621.6M | $1.8B | ||
| Q3 25 | $663.8M | $1.8B | ||
| Q2 25 | $612.3M | $1.7B | ||
| Q1 25 | $542.1M | $1.6B | ||
| Q4 24 | $472.5M | $1.6B | ||
| Q3 24 | $502.6M | $1.6B | ||
| Q2 24 | $483.4M | $1.5B | ||
| Q1 24 | $507.3M | $1.5B |
总资产EVTCFOR
| Q4 25 | $2.2B | $3.2B | ||
| Q3 25 | $2.1B | $3.1B | ||
| Q2 25 | $2.0B | $3.1B | ||
| Q1 25 | $1.9B | $3.0B | ||
| Q4 24 | $1.9B | $3.0B | ||
| Q3 24 | $1.9B | $2.8B | ||
| Q2 24 | $1.9B | $2.7B | ||
| Q1 24 | $2.0B | $2.6B |
负债/权益比EVTCFOR
| Q4 25 | — | 0.44× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.52× | ||
| Q1 25 | — | 0.53× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.44× | ||
| Q2 24 | — | 0.47× | ||
| Q1 24 | — | 0.48× |
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 | $70.0M | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | $63.7M | $-157.1M |
| 自由现金流率自由现金流/营收 | 26.0% | -57.5% |
| 资本支出强度资本支出/营收 | 2.6% | 0.0% |
| 现金转化率经营现金流/净利润 | 1.89× | -10.19× |
| 过去12个月自由现金流最近4个季度 | $203.7M | $93.0M |
8季度趋势，按日历期对齐
经营现金流EVTCFOR
| Q4 25 | $70.0M | $-157.0M | ||
| Q3 25 | $70.9M | $256.3M | ||
| Q2 25 | $48.5M | $15.8M | ||
| Q1 25 | $37.6M | $-19.8M | ||
| Q4 24 | $75.2M | $-450.0M | ||
| Q3 24 | $53.6M | $119.2M | ||
| Q2 24 | $90.6M | $-61.7M | ||
| Q1 24 | $40.7M | $-59.2M |
自由现金流EVTCFOR
| Q4 25 | $63.7M | $-157.1M | ||
| Q3 25 | $65.3M | $255.6M | ||
| Q2 25 | $43.5M | $15.0M | ||
| Q1 25 | $31.2M | $-20.5M | ||
| Q4 24 | $70.8M | — | ||
| Q3 24 | $49.7M | $118.4M | ||
| Q2 24 | $78.8M | $-62.3M | ||
| Q1 24 | $35.3M | $-59.8M |
自由现金流率EVTCFOR
| Q4 25 | 26.0% | -57.5% | ||
| Q3 25 | 28.5% | 38.1% | ||
| Q2 25 | 18.9% | 3.8% | ||
| Q1 25 | 13.7% | -5.8% | ||
| Q4 24 | 32.7% | — | ||
| Q3 24 | 23.5% | 21.5% | ||
| Q2 24 | 37.2% | -19.6% | ||
| Q1 24 | 17.2% | -17.9% |
资本支出强度EVTCFOR
| Q4 25 | 2.6% | 0.0% | ||
| Q3 25 | 2.5% | 0.1% | ||
| Q2 25 | 2.2% | 0.2% | ||
| Q1 25 | 2.8% | 0.2% | ||
| Q4 24 | 2.0% | 0.0% | ||
| Q3 24 | 1.8% | 0.1% | ||
| Q2 24 | 5.6% | 0.2% | ||
| Q1 24 | 2.6% | 0.2% |
现金转化率EVTCFOR
| Q4 25 | 1.89× | -10.19× | ||
| Q3 25 | 2.16× | 2.95× | ||
| Q2 25 | 1.20× | 0.48× | ||
| Q1 25 | 1.15× | -0.63× | ||
| Q4 24 | 1.85× | -27.27× | ||
| Q3 24 | 2.17× | 1.46× | ||
| Q2 24 | 2.84× | -1.59× | ||
| Q1 24 | 2.55× | -1.32× |
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
EVTC
| Latin America Payments And Solutions | $101.5M | 41% |
| Business Solutions | $58.3M | 24% |
| Merchant Acquiring Net | $48.2M | 20% |
| Payment Services Puerto Rico Caribbean | $36.8M | 15% |
| Transferred At Point In Time | $4.0M | 2% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
