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Fidelity National Information Services（FIS）与FISERV INC（FISV）财务数据对比。点击上方公司名可切换其他公司
FISERV INC的季度营收约是Fidelity National Information Services的1.9倍（$5.3B vs $2.8B），Fidelity National Information Services净利率更高（18.2% vs 15.3%，领先2.8%），Fidelity National Information Services同比增速更快（8.1% vs 0.6%），FISERV INC自由现金流更多（$1.5B vs $739.0M），过去两年Fidelity National Information Services的营收复合增速更高（6.8% vs 4.0%）
FIS是总部位于美国的跨国企业，深耕金融科技领域，提供多元金融产品及服务。该公司每年处理约750亿笔交易，支撑约9万亿美元的资金流转，为全球超过2万家客户提供服务。
Fiserv是总部位于美国威斯康星州密尔沃基的跨国金融科技企业，面向银行机构提供借记卡、信用卡交易处理、忠诚度计划管理、贷款服务、电子账单支付、电汇及ACH转账、支票存款、ATM交易处理等解决方案，同时生产借记卡、信用卡及POS终端设备。
FIS vs FISV — 直观对比
营收规模更大
FISV
是对方的1.9倍
$2.8B
营收增速更快
FIS
高出7.5%
0.6%
净利率更高
FIS
高出2.8%
15.3%
自由现金流更多
FISV
多$763.0M
$739.0M
两年增速更快
FIS
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $5.3B |
| 净利润 | $511.0M | $811.0M |
| 毛利率 | 38.3% | — |
| 营业利润率 | 18.8% | 24.4% |
| 净利率 | 18.2% | 15.3% |
| 营收同比 | 8.1% | 0.6% |
| 净利润同比 | 97.3% | -13.5% |
| 每股收益（稀释后） | $0.98 | $1.51 |
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FISFISV
| Q4 25 | $2.8B | $5.3B | ||
| Q3 25 | $2.7B | $5.3B | ||
| Q2 25 | $2.6B | $5.5B | ||
| Q1 25 | $2.5B | $5.1B | ||
| Q4 24 | $2.6B | $5.3B | ||
| Q3 24 | $2.6B | $5.2B | ||
| Q2 24 | $2.5B | $5.1B | ||
| Q1 24 | $2.5B | $4.9B |
净利润FISFISV
| Q4 25 | $511.0M | $811.0M | ||
| Q3 25 | $264.0M | $792.0M | ||
| Q2 25 | $-470.0M | $1.0B | ||
| Q1 25 | $77.0M | $851.0M | ||
| Q4 24 | $259.0M | $938.0M | ||
| Q3 24 | $224.0M | $564.0M | ||
| Q2 24 | $243.0M | $894.0M | ||
| Q1 24 | $724.0M | $735.0M |
毛利率FISFISV
| Q4 25 | 38.3% | — | ||
| Q3 25 | 37.8% | — | ||
| Q2 25 | 36.4% | — | ||
| Q1 25 | 34.7% | — | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 38.0% | — | ||
| Q2 24 | 38.2% | — | ||
| Q1 24 | 37.1% | — |
营业利润率FISFISV
| Q4 25 | 18.8% | 24.4% | ||
| Q3 25 | 16.8% | 27.3% | ||
| Q2 25 | 15.6% | 30.7% | ||
| Q1 25 | 13.7% | 27.2% | ||
| Q4 24 | 18.5% | 31.8% | ||
| Q3 24 | 19.1% | 30.7% | ||
| Q2 24 | 15.2% | 28.0% | ||
| Q1 24 | 14.6% | 24.2% |
净利率FISFISV
| Q4 25 | 18.2% | 15.3% | ||
| Q3 25 | 9.7% | 15.0% | ||
| Q2 25 | -18.0% | 18.6% | ||
| Q1 25 | 3.0% | 16.6% | ||
| Q4 24 | 10.0% | 17.9% | ||
| Q3 24 | 8.7% | 10.8% | ||
| Q2 24 | 9.8% | 17.5% | ||
| Q1 24 | 29.3% | 15.1% |
每股收益（稀释后）FISFISV
| Q4 25 | $0.98 | $1.51 | ||
| Q3 25 | $0.50 | $1.46 | ||
| Q2 25 | $-0.90 | $1.86 | ||
| Q1 25 | $0.15 | $1.51 | ||
| Q4 24 | $0.51 | $1.63 | ||
| Q3 24 | $0.41 | $0.98 | ||
| Q2 24 | $0.44 | $1.53 | ||
| Q1 24 | $1.25 | $1.24 |
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 | $599.0M | $798.0M |
| 总债务越低越好 | $9.1B | $27.8B |
| 股东权益账面价值 | $13.9B | $25.8B |
| 总资产 | $33.5B | $80.1B |
| 负债/权益比越低杠杆越低 | 0.65× | 1.08× |
8季度趋势，按日历期对齐
现金及短期投资FISFISV
| Q4 25 | $599.0M | $798.0M | ||
| Q3 25 | $571.0M | $1.1B | ||
| Q2 25 | $581.0M | $999.0M | ||
| Q1 25 | $805.0M | $1.2B | ||
| Q4 24 | $834.0M | $1.2B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $2.1B | $1.2B | ||
| Q1 24 | $3.3B | $1.2B |
总债务FISFISV
| Q4 25 | $9.1B | $27.8B | ||
| Q3 25 | $8.9B | $28.9B | ||
| Q2 25 | $8.9B | $28.1B | ||
| Q1 25 | $8.7B | $27.0B | ||
| Q4 24 | $9.7B | $23.7B | ||
| Q3 24 | $10.5B | $24.1B | ||
| Q2 24 | $10.6B | $24.4B | ||
| Q1 24 | $10.6B | $23.8B |
股东权益FISFISV
| Q4 25 | $13.9B | $25.8B | ||
| Q3 25 | $13.9B | $25.1B | ||
| Q2 25 | $14.2B | $25.2B | ||
| Q1 25 | $15.1B | $25.9B | ||
| Q4 24 | $15.7B | $27.1B | ||
| Q3 24 | $16.6B | $27.8B | ||
| Q2 24 | $17.0B | $28.2B | ||
| Q1 24 | $18.0B | $28.8B |
总资产FISFISV
| Q4 25 | $33.5B | $80.1B | ||
| Q3 25 | $33.0B | $79.4B | ||
| Q2 25 | $33.4B | $81.5B | ||
| Q1 25 | $32.8B | $80.4B | ||
| Q4 24 | $33.8B | $77.2B | ||
| Q3 24 | $34.3B | $79.8B | ||
| Q2 24 | $34.6B | $93.4B | ||
| Q1 24 | $35.9B | $92.7B |
负债/权益比FISFISV
| Q4 25 | 0.65× | 1.08× | ||
| Q3 25 | 0.64× | 1.15× | ||
| Q2 25 | 0.63× | 1.11× | ||
| Q1 25 | 0.57× | 1.04× | ||
| Q4 24 | 0.62× | 0.88× | ||
| Q3 24 | 0.63× | 0.87× | ||
| Q2 24 | 0.62× | 0.87× | ||
| Q1 24 | 0.59× | 0.82× |
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 | $758.0M | $1.9B |
| 自由现金流经营现金流 - 资本支出 | $739.0M | $1.5B |
| 自由现金流率自由现金流/营收 | 26.3% | 28.4% |
| 资本支出强度资本支出/营收 | 0.7% | 8.4% |
| 现金转化率经营现金流/净利润 | 1.48× | 2.40× |
| 过去12个月自由现金流最近4个季度 | $2.5B | $4.3B |
8季度趋势，按日历期对齐
经营现金流FISFISV
| Q4 25 | $758.0M | $1.9B | ||
| Q3 25 | $1.0B | $1.8B | ||
| Q2 25 | $382.0M | $1.7B | ||
| Q1 25 | $457.0M | $648.0M | ||
| Q4 24 | $782.0M | $2.2B | ||
| Q3 24 | $641.0M | $2.2B | ||
| Q2 24 | $546.0M | $1.3B | ||
| Q1 24 | $206.0M | $831.0M |
自由现金流FISFISV
| Q4 25 | $739.0M | $1.5B | ||
| Q3 25 | $952.0M | $1.3B | ||
| Q2 25 | $343.0M | $1.2B | ||
| Q1 25 | $420.0M | $313.0M | ||
| Q4 24 | $764.0M | $1.8B | ||
| Q3 24 | $605.0M | $1.8B | ||
| Q2 24 | $530.0M | $993.0M | ||
| Q1 24 | $179.0M | $411.0M |
自由现金流率FISFISV
| Q4 25 | 26.3% | 28.4% | ||
| Q3 25 | 35.0% | 24.7% | ||
| Q2 25 | 13.1% | 21.5% | ||
| Q1 25 | 16.6% | 6.1% | ||
| Q4 24 | 29.4% | 34.7% | ||
| Q3 24 | 23.5% | 35.2% | ||
| Q2 24 | 21.3% | 19.4% | ||
| Q1 24 | 7.3% | 8.4% |
资本支出强度FISFISV
| Q4 25 | 0.7% | 8.4% | ||
| Q3 25 | 2.2% | 9.6% | ||
| Q2 25 | 1.5% | 8.7% | ||
| Q1 25 | 1.5% | 6.5% | ||
| Q4 24 | 0.7% | 7.6% | ||
| Q3 24 | 1.4% | 7.7% | ||
| Q2 24 | 0.6% | 6.8% | ||
| Q1 24 | 1.1% | 8.6% |
现金转化率FISFISV
| Q4 25 | 1.48× | 2.40× | ||
| Q3 25 | 3.83× | 2.28× | ||
| Q2 25 | — | 1.62× | ||
| Q1 25 | 5.94× | 0.76× | ||
| Q4 24 | 3.02× | 2.37× | ||
| Q3 24 | 2.86× | 3.97× | ||
| Q2 24 | 2.25× | 1.50× | ||
| Q1 24 | 0.28× | 1.13× |
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
FIS
| Banking Solutions | $1.6B | 57% |
| Other | $701.0M | 25% |
| Capital Market Solutions | $508.0M | 18% |
FISV
| Small Business | $1.7B | 32% |
| Products | $1.0B | 19% |
| Digital Payments | $960.0M | 18% |
| Issuing | $792.0M | 15% |
| Enterprise | $587.0M | 11% |
| Processing | $265.0M | 5% |
| Affiliated Entity | $18.0M | 0% |
