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FISERV INC（FISV）与信安金融集团（PFG）财务数据对比。点击上方公司名可切换其他公司
FISERV INC的季度营收约是信安金融集团的1.2倍（$5.3B vs $4.6B），FISERV INC净利率更高（15.3% vs 11.3%，领先4.1%），FISERV INC同比增速更快（0.6% vs -3.7%），过去两年信安金融集团的营收复合增速更高（6.3% vs 4.0%）
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。
信安金融集团（股票代码：PFG）是总部位于美国艾奥瓦州得梅因的全球性金融服务企业，核心业务涵盖投资管理、保险服务两大板块，在全球多个区域开展业务，为机构客户和个人用户提供专业定制化的金融解决方案，在行业内拥有较高知名度。
FISV vs PFG — 直观对比
营收规模更大
FISV
是对方的1.2倍
$4.6B
营收增速更快
FISV
高出4.3%
-3.7%
净利率更高
FISV
高出4.1%
11.3%
两年增速更快
PFG
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $4.6B |
| 净利润 | $811.0M | $517.0M |
| 毛利率 | — | — |
| 营业利润率 | 24.4% | — |
| 净利率 | 15.3% | 11.3% |
| 营收同比 | 0.6% | -3.7% |
| 净利润同比 | -13.5% | -42.9% |
| 每股收益（稀释后） | $1.51 | $2.30 |
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FISVPFG
| Q4 25 | $5.3B | $4.6B | ||
| Q3 25 | $5.3B | $3.7B | ||
| Q2 25 | $5.5B | $3.7B | ||
| Q1 25 | $5.1B | $3.7B | ||
| Q4 24 | $5.3B | $4.8B | ||
| Q3 24 | $5.2B | $3.0B | ||
| Q2 24 | $5.1B | $4.3B | ||
| Q1 24 | $4.9B | $4.1B |
净利润FISVPFG
| Q4 25 | $811.0M | $517.0M | ||
| Q3 25 | $792.0M | $213.8M | ||
| Q2 25 | $1.0B | $406.2M | ||
| Q1 25 | $851.0M | $48.1M | ||
| Q4 24 | $938.0M | $905.4M | ||
| Q3 24 | $564.0M | $-220.0M | ||
| Q2 24 | $894.0M | $353.1M | ||
| Q1 24 | $735.0M | $532.5M |
营业利润率FISVPFG
| Q4 25 | 24.4% | — | ||
| Q3 25 | 27.3% | — | ||
| Q2 25 | 30.7% | — | ||
| Q1 25 | 27.2% | — | ||
| Q4 24 | 31.8% | — | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 28.0% | — | ||
| Q1 24 | 24.2% | — |
净利率FISVPFG
| Q4 25 | 15.3% | 11.3% | ||
| Q3 25 | 15.0% | 5.8% | ||
| Q2 25 | 18.6% | 11.1% | ||
| Q1 25 | 16.6% | 1.3% | ||
| Q4 24 | 17.9% | 19.1% | ||
| Q3 24 | 10.8% | -7.3% | ||
| Q2 24 | 17.5% | 8.2% | ||
| Q1 24 | 15.1% | 13.1% |
每股收益（稀释后）FISVPFG
| Q4 25 | $1.51 | $2.30 | ||
| Q3 25 | $1.46 | $0.95 | ||
| Q2 25 | $1.86 | $1.79 | ||
| Q1 25 | $1.51 | $0.21 | ||
| Q4 24 | $1.63 | $3.92 | ||
| Q3 24 | $0.98 | $-0.95 | ||
| Q2 24 | $1.53 | $1.49 | ||
| Q1 24 | $1.24 | $2.22 |
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 | $798.0M | $4.4B |
| 总债务越低越好 | $27.8B | $3.9B |
| 股东权益账面价值 | $25.8B | $11.9B |
| 总资产 | $80.1B | $341.4B |
| 负债/权益比越低杠杆越低 | 1.08× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资FISVPFG
| Q4 25 | $798.0M | $4.4B | ||
| Q3 25 | $1.1B | $5.1B | ||
| Q2 25 | $999.0M | $3.7B | ||
| Q1 25 | $1.2B | $3.9B | ||
| Q4 24 | $1.2B | $4.2B | ||
| Q3 24 | $1.2B | $6.2B | ||
| Q2 24 | $1.2B | $4.8B | ||
| Q1 24 | $1.2B | $4.2B |
总债务FISVPFG
| Q4 25 | $27.8B | $3.9B | ||
| Q3 25 | $28.9B | $3.9B | ||
| Q2 25 | $28.1B | $3.9B | ||
| Q1 25 | $27.0B | $4.3B | ||
| Q4 24 | $23.7B | $4.0B | ||
| Q3 24 | $24.1B | $3.9B | ||
| Q2 24 | $24.4B | $3.9B | ||
| Q1 24 | $23.8B | $3.9B |
股东权益FISVPFG
| Q4 25 | $25.8B | $11.9B | ||
| Q3 25 | $25.1B | $11.7B | ||
| Q2 25 | $25.2B | $11.4B | ||
| Q1 25 | $25.9B | $11.2B | ||
| Q4 24 | $27.1B | $11.1B | ||
| Q3 24 | $27.8B | $11.2B | ||
| Q2 24 | $28.2B | $11.0B | ||
| Q1 24 | $28.8B | $11.2B |
总资产FISVPFG
| Q4 25 | $80.1B | $341.4B | ||
| Q3 25 | $79.4B | $334.5B | ||
| Q2 25 | $81.5B | $323.1B | ||
| Q1 25 | $80.4B | $313.0B | ||
| Q4 24 | $77.2B | $313.7B | ||
| Q3 24 | $79.8B | $322.9B | ||
| Q2 24 | $93.4B | $308.8B | ||
| Q1 24 | $92.7B | $308.7B |
负债/权益比FISVPFG
| Q4 25 | 1.08× | 0.33× | ||
| Q3 25 | 1.15× | 0.34× | ||
| Q2 25 | 1.11× | 0.34× | ||
| Q1 25 | 1.04× | 0.39× | ||
| Q4 24 | 0.88× | 0.36× | ||
| Q3 24 | 0.87× | 0.35× | ||
| Q2 24 | 0.87× | 0.36× | ||
| Q1 24 | 0.82× | 0.35× |
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 | $1.9B | $1.7B |
| 自由现金流经营现金流 - 资本支出 | $1.5B | — |
| 自由现金流率自由现金流/营收 | 28.4% | — |
| 资本支出强度资本支出/营收 | 8.4% | — |
| 现金转化率经营现金流/净利润 | 2.40× | 3.37× |
| 过去12个月自由现金流最近4个季度 | $4.3B | — |
8季度趋势，按日历期对齐
经营现金流FISVPFG
| Q4 25 | $1.9B | $1.7B | ||
| Q3 25 | $1.8B | $1.0B | ||
| Q2 25 | $1.7B | $811.9M | ||
| Q1 25 | $648.0M | $977.3M | ||
| Q4 24 | $2.2B | $1.5B | ||
| Q3 24 | $2.2B | $1.1B | ||
| Q2 24 | $1.3B | $1.4B | ||
| Q1 24 | $831.0M | $584.2M |
自由现金流FISVPFG
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $313.0M | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $993.0M | — | ||
| Q1 24 | $411.0M | — |
自由现金流率FISVPFG
| Q4 25 | 28.4% | — | ||
| Q3 25 | 24.7% | — | ||
| Q2 25 | 21.5% | — | ||
| Q1 25 | 6.1% | — | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 19.4% | — | ||
| Q1 24 | 8.4% | — |
资本支出强度FISVPFG
| Q4 25 | 8.4% | — | ||
| Q3 25 | 9.6% | — | ||
| Q2 25 | 8.7% | — | ||
| Q1 25 | 6.5% | — | ||
| Q4 24 | 7.6% | — | ||
| Q3 24 | 7.7% | — | ||
| Q2 24 | 6.8% | — | ||
| Q1 24 | 8.6% | — |
现金转化率FISVPFG
| Q4 25 | 2.40× | 3.37× | ||
| Q3 25 | 2.28× | 4.70× | ||
| Q2 25 | 1.62× | 2.00× | ||
| Q1 25 | 0.76× | 20.32× | ||
| Q4 24 | 2.37× | 1.61× | ||
| Q3 24 | 3.97× | — | ||
| Q2 24 | 1.50× | 4.05× | ||
| Q1 24 | 1.13× | 1.10× |
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
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% |
PFG
| Segment Retirement And Income Solutions | $1.6B | 36% |
| Segment Benefits And Protection | $1.1B | 23% |
| Other | $582.8M | 13% |
| Segment Principal Asset Management | $465.6M | 10% |
| Subsegment Investment Management | $449.4M | 10% |
| Administrative Service | $152.2M | 3% |
| Subsegment International Pension | $91.2M | 2% |
| Segment Corporate | $73.0M | 2% |
| Subsegment Life Insurance | $26.1M | 1% |
| Financial Service Other | $25.1M | 1% |
| Residential Mortgage | $7.4M | 0% |
| Subsegment Specialty Benefits | $3.7M | 0% |
| Deposit Account | $3.4M | 0% |
| Commission Income | $1.8M | 0% |
