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FISERV INC（FISV）与RYDER SYSTEM INC（R）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RYDER SYSTEM INC的1.7倍（$5.3B vs $3.1B），FISERV INC净利率更高（15.3% vs 3.0%，领先12.4%），RYDER SYSTEM INC同比增速更快（1.0% vs 0.6%），FISERV INC自由现金流更多（$1.5B vs $273.0M），过去两年FISERV INC的营收复合增速更高（4.0% vs -0.9%）
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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
FISV vs R — 直观对比
营收规模更大
FISV
是对方的1.7倍
$3.1B
营收增速更快
R
高出0.4%
0.6%
净利率更高
FISV
高出12.4%
3.0%
自由现金流更多
FISV
多$1.2B
$273.0M
两年增速更快
FISV
近两年复合增速
-0.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $3.1B |
| 净利润 | $811.0M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 24.4% | — |
| 净利率 | 15.3% | 3.0% |
| 营收同比 | 0.6% | 1.0% |
| 净利润同比 | -13.5% | -5.1% |
| 每股收益（稀释后） | $1.51 | $2.34 |
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FISVR
| Q1 26 | — | $3.1B | ||
| Q4 25 | $5.3B | $3.2B | ||
| Q3 25 | $5.3B | $3.2B | ||
| Q2 25 | $5.5B | $3.2B | ||
| Q1 25 | $5.1B | $3.1B | ||
| Q4 24 | $5.3B | $3.2B | ||
| Q3 24 | $5.2B | $3.2B | ||
| Q2 24 | $5.1B | $3.2B |
净利润FISVR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $811.0M | $132.0M | ||
| Q3 25 | $792.0M | $138.0M | ||
| Q2 25 | $1.0B | $131.0M | ||
| Q1 25 | $851.0M | $98.0M | ||
| Q4 24 | $938.0M | $135.0M | ||
| Q3 24 | $564.0M | $142.0M | ||
| Q2 24 | $894.0M | $127.0M |
营业利润率FISVR
| Q1 26 | — | — | ||
| Q4 25 | 24.4% | 5.6% | ||
| Q3 25 | 27.3% | 6.0% | ||
| Q2 25 | 30.7% | 5.8% | ||
| Q1 25 | 27.2% | 4.3% | ||
| Q4 24 | 31.8% | 5.7% | ||
| Q3 24 | 30.7% | 5.9% | ||
| Q2 24 | 28.0% | 5.6% |
净利率FISVR
| Q1 26 | — | 3.0% | ||
| Q4 25 | 15.3% | 4.2% | ||
| Q3 25 | 15.0% | 4.4% | ||
| Q2 25 | 18.6% | 4.1% | ||
| Q1 25 | 16.6% | 3.1% | ||
| Q4 24 | 17.9% | 4.2% | ||
| Q3 24 | 10.8% | 4.5% | ||
| Q2 24 | 17.5% | 4.0% |
每股收益（稀释后）FISVR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $1.51 | $3.22 | ||
| Q3 25 | $1.46 | $3.32 | ||
| Q2 25 | $1.86 | $3.13 | ||
| Q1 25 | $1.51 | $2.27 | ||
| Q4 24 | $1.63 | $3.09 | ||
| Q3 24 | $0.98 | $3.24 | ||
| Q2 24 | $1.53 | $2.84 |
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 | $182.0M |
| 总债务越低越好 | $27.8B | — |
| 股东权益账面价值 | $25.8B | $2.9B |
| 总资产 | $80.1B | — |
| 负债/权益比越低杠杆越低 | 1.08× | — |
8季度趋势，按日历期对齐
现金及短期投资FISVR
| Q1 26 | — | $182.0M | ||
| Q4 25 | $798.0M | $198.0M | ||
| Q3 25 | $1.1B | $189.0M | ||
| Q2 25 | $999.0M | $180.0M | ||
| Q1 25 | $1.2B | $151.0M | ||
| Q4 24 | $1.2B | $154.0M | ||
| Q3 24 | $1.2B | $162.0M | ||
| Q2 24 | $1.2B | $164.0M |
总债务FISVR
| Q1 26 | — | — | ||
| Q4 25 | $27.8B | $6.8B | ||
| Q3 25 | $28.9B | $7.3B | ||
| Q2 25 | $28.1B | $7.0B | ||
| Q1 25 | $27.0B | $6.7B | ||
| Q4 24 | $23.7B | $6.7B | ||
| Q3 24 | $24.1B | $6.6B | ||
| Q2 24 | $24.4B | $6.5B |
股东权益FISVR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $25.8B | $3.1B | ||
| Q3 25 | $25.1B | $3.1B | ||
| Q2 25 | $25.2B | $3.1B | ||
| Q1 25 | $25.9B | $3.0B | ||
| Q4 24 | $27.1B | $3.1B | ||
| Q3 24 | $27.8B | $3.1B | ||
| Q2 24 | $28.2B | $3.1B |
总资产FISVR
| Q1 26 | — | — | ||
| Q4 25 | $80.1B | $16.4B | ||
| Q3 25 | $79.4B | $16.5B | ||
| Q2 25 | $81.5B | $16.5B | ||
| Q1 25 | $80.4B | $16.4B | ||
| Q4 24 | $77.2B | $16.7B | ||
| Q3 24 | $79.8B | $16.5B | ||
| Q2 24 | $93.4B | $16.4B |
负债/权益比FISVR
| Q1 26 | — | — | ||
| Q4 25 | 1.08× | 2.24× | ||
| Q3 25 | 1.15× | 2.35× | ||
| Q2 25 | 1.11× | 2.27× | ||
| Q1 25 | 1.04× | 2.21× | ||
| Q4 24 | 0.88× | 2.14× | ||
| Q3 24 | 0.87× | 2.17× | ||
| Q2 24 | 0.87× | 2.09× |
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 | $583.0M |
| 自由现金流经营现金流 - 资本支出 | $1.5B | $273.0M |
| 自由现金流率自由现金流/营收 | 28.4% | 8.7% |
| 资本支出强度资本支出/营收 | 8.4% | 13.7% |
| 现金转化率经营现金流/净利润 | 2.40× | 6.27× |
| 过去12个月自由现金流最近4个季度 | $4.3B | $595.0M |
8季度趋势，按日历期对齐
经营现金流FISVR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $1.9B | $749.0M | ||
| Q3 25 | $1.8B | $442.0M | ||
| Q2 25 | $1.7B | $752.0M | ||
| Q1 25 | $648.0M | $651.0M | ||
| Q4 24 | $2.2B | $558.0M | ||
| Q3 24 | $2.2B | $629.0M | ||
| Q2 24 | $1.3B | $552.0M |
自由现金流FISVR
| Q1 26 | — | $273.0M | ||
| Q4 25 | $1.5B | $344.0M | ||
| Q3 25 | $1.3B | $-85.0M | ||
| Q2 25 | $1.2B | $63.0M | ||
| Q1 25 | $313.0M | $137.0M | ||
| Q4 24 | $1.8B | $-201.0M | ||
| Q3 24 | $1.8B | $30.0M | ||
| Q2 24 | $993.0M | $-87.0M |
自由现金流率FISVR
| Q1 26 | — | 8.7% | ||
| Q4 25 | 28.4% | 10.8% | ||
| Q3 25 | 24.7% | -2.7% | ||
| Q2 25 | 21.5% | 2.0% | ||
| Q1 25 | 6.1% | 4.4% | ||
| Q4 24 | 34.7% | -6.3% | ||
| Q3 24 | 35.2% | 0.9% | ||
| Q2 24 | 19.4% | -2.7% |
资本支出强度FISVR
| Q1 26 | — | 13.7% | ||
| Q4 25 | 8.4% | 12.8% | ||
| Q3 25 | 9.6% | 16.6% | ||
| Q2 25 | 8.7% | 21.6% | ||
| Q1 25 | 6.5% | 16.4% | ||
| Q4 24 | 7.6% | 23.8% | ||
| Q3 24 | 7.7% | 18.9% | ||
| Q2 24 | 6.8% | 20.1% |
现金转化率FISVR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 2.40× | 5.67× | ||
| Q3 25 | 2.28× | 3.20× | ||
| Q2 25 | 1.62× | 5.74× | ||
| Q1 25 | 0.76× | 6.64× | ||
| Q4 24 | 2.37× | 4.13× | ||
| Q3 24 | 3.97× | 4.43× | ||
| Q2 24 | 1.50× | 4.35× |
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% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
