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FISERV INC（FISV）与Raymond James Financial（RJF）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Raymond James Financial的1.4倍（$5.3B vs $3.9B），FISERV INC净利率更高（15.3% vs 14.1%，领先1.3%），Raymond James Financial同比增速更快（13.0% vs 0.6%），过去两年FISERV INC的营收复合增速更高（4.0% vs 1.3%）
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。
雷蒙德詹姆斯金融是美国跨国独立投资银行及金融服务机构，通过旗下子公司为个人、企业及市政主体提供多元金融服务，核心业务覆盖投资与财务规划、投资银行、资产管理等领域，总部位于美国佛罗里达州圣彼得堡。
FISV vs RJF — 直观对比
营收规模更大
FISV
是对方的1.4倍
$3.9B
营收增速更快
RJF
高出12.4%
0.6%
净利率更高
FISV
高出1.3%
14.1%
两年增速更快
FISV
近两年复合增速
1.3%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $3.9B |
| 净利润 | $811.0M | $544.0M |
| 毛利率 | — | — |
| 营业利润率 | 24.4% | — |
| 净利率 | 15.3% | 14.1% |
| 营收同比 | 0.6% | 13.0% |
| 净利润同比 | -13.5% | 10.0% |
| 每股收益（稀释后） | $1.51 | $2.83 |
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FISVRJF
| Q1 26 | — | $3.9B | ||
| Q4 25 | $5.3B | $4.2B | ||
| Q3 25 | $5.3B | $4.2B | ||
| Q2 25 | $5.5B | $3.8B | ||
| Q1 25 | $5.1B | $3.8B | ||
| Q4 24 | $5.3B | $4.0B | ||
| Q3 24 | $5.2B | $4.0B | ||
| Q2 24 | $5.1B | $3.8B |
净利润FISVRJF
| Q1 26 | — | $544.0M | ||
| Q4 25 | $811.0M | $563.0M | ||
| Q3 25 | $792.0M | $604.0M | ||
| Q2 25 | $1.0B | $436.0M | ||
| Q1 25 | $851.0M | $495.0M | ||
| Q4 24 | $938.0M | $600.0M | ||
| Q3 24 | $564.0M | $602.0M | ||
| Q2 24 | $894.0M | $492.0M |
营业利润率FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | 24.4% | — | ||
| Q3 25 | 27.3% | — | ||
| Q2 25 | 30.7% | 14.7% | ||
| Q1 25 | 27.2% | 17.5% | ||
| Q4 24 | 31.8% | 18.6% | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 28.0% | 17.1% |
净利率FISVRJF
| Q1 26 | — | 14.1% | ||
| Q4 25 | 15.3% | 13.5% | ||
| Q3 25 | 15.0% | 14.4% | ||
| Q2 25 | 18.6% | 11.3% | ||
| Q1 25 | 16.6% | 12.9% | ||
| Q4 24 | 17.9% | 14.9% | ||
| Q3 24 | 10.8% | 15.0% | ||
| Q2 24 | 17.5% | 13.1% |
每股收益（稀释后）FISVRJF
| Q1 26 | — | $2.83 | ||
| Q4 25 | $1.51 | $2.79 | ||
| Q3 25 | $1.46 | $2.96 | ||
| Q2 25 | $1.86 | $2.12 | ||
| Q1 25 | $1.51 | $2.36 | ||
| Q4 24 | $1.63 | $2.86 | ||
| Q3 24 | $0.98 | $2.85 | ||
| Q2 24 | $1.53 | $2.31 |
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 | $5.4B |
| 总债务越低越好 | $27.8B | — |
| 股东权益账面价值 | $25.8B | $52.0M |
| 总资产 | $80.1B | $91.9B |
| 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FISVRJF
| Q1 26 | — | $5.4B | ||
| Q4 25 | $798.0M | $9.9B | ||
| Q3 25 | $1.1B | $11.4B | ||
| Q2 25 | $999.0M | $9.2B | ||
| Q1 25 | $1.2B | $9.7B | ||
| Q4 24 | $1.2B | $10.0B | ||
| Q3 24 | $1.2B | $11.0B | ||
| Q2 24 | $1.2B | $9.1B |
总债务FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | $27.8B | — | ||
| Q3 25 | $28.9B | — | ||
| Q2 25 | $28.1B | — | ||
| Q1 25 | $27.0B | — | ||
| Q4 24 | $23.7B | — | ||
| Q3 24 | $24.1B | — | ||
| Q2 24 | $24.4B | — |
股东权益FISVRJF
| Q1 26 | — | $52.0M | ||
| Q4 25 | $25.8B | $12.6B | ||
| Q3 25 | $25.1B | $12.5B | ||
| Q2 25 | $25.2B | $12.3B | ||
| Q1 25 | $25.9B | $12.2B | ||
| Q4 24 | $27.1B | $11.9B | ||
| Q3 24 | $27.8B | $11.7B | ||
| Q2 24 | $28.2B | $11.2B |
总资产FISVRJF
| Q1 26 | — | $91.9B | ||
| Q4 25 | $80.1B | $88.8B | ||
| Q3 25 | $79.4B | $88.2B | ||
| Q2 25 | $81.5B | $84.8B | ||
| Q1 25 | $80.4B | $83.1B | ||
| Q4 24 | $77.2B | $82.3B | ||
| Q3 24 | $79.8B | $83.0B | ||
| Q2 24 | $93.4B | $80.6B |
负债/权益比FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | 1.08× | — | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.11× | — | ||
| Q1 25 | 1.04× | — | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.87× | — |
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 | — |
| 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× | — |
| 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FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | $-10.0M | ||
| Q3 25 | $1.8B | $796.0M | ||
| Q2 25 | $1.7B | $691.0M | ||
| Q1 25 | $648.0M | $117.0M | ||
| Q4 24 | $2.2B | $830.0M | ||
| Q3 24 | $2.2B | $510.0M | ||
| Q2 24 | $1.3B | $711.0M |
自由现金流FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | $1.5B | $-56.0M | ||
| Q3 25 | $1.3B | $752.0M | ||
| Q2 25 | $1.2B | $634.0M | ||
| Q1 25 | $313.0M | $71.0M | ||
| Q4 24 | $1.8B | $789.0M | ||
| Q3 24 | $1.8B | $460.0M | ||
| Q2 24 | $993.0M | $655.0M |
自由现金流率FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | 28.4% | -1.3% | ||
| Q3 25 | 24.7% | 17.9% | ||
| Q2 25 | 21.5% | 16.5% | ||
| Q1 25 | 6.1% | 1.8% | ||
| Q4 24 | 34.7% | 19.6% | ||
| Q3 24 | 35.2% | 11.5% | ||
| Q2 24 | 19.4% | 17.4% |
资本支出强度FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | 8.4% | 1.1% | ||
| Q3 25 | 9.6% | 1.1% | ||
| Q2 25 | 8.7% | 1.5% | ||
| Q1 25 | 6.5% | 1.2% | ||
| Q4 24 | 7.6% | 1.0% | ||
| Q3 24 | 7.7% | 1.2% | ||
| Q2 24 | 6.8% | 1.5% |
现金转化率FISVRJF
| Q1 26 | — | — | ||
| Q4 25 | 2.40× | -0.02× | ||
| Q3 25 | 2.28× | 1.32× | ||
| Q2 25 | 1.62× | 1.58× | ||
| Q1 25 | 0.76× | 0.24× | ||
| Q4 24 | 2.37× | 1.38× | ||
| Q3 24 | 3.97× | 0.85× | ||
| Q2 24 | 1.50× | 1.45× |
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% |
RJF
| Private Client Group | $2.8B | 73% |
| Bank | $486.0M | 13% |
| Capital Markets | $464.0M | 12% |
| Other | $99.0M | 3% |
