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FISERV INC（FISV）与Rocket Companies, Inc.（RKT）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Rocket Companies, Inc.的2.0倍（$5.3B vs $2.7B），FISERV INC净利率更高（15.3% vs 2.5%，领先12.8%），Rocket Companies, Inc.同比增速更快（52.2% vs 0.6%），FISERV INC自由现金流更多（$1.5B vs $-1.3B），过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% 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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
FISV vs RKT — 直观对比
营收规模更大
FISV
是对方的2.0倍
$2.7B
营收增速更快
RKT
高出51.5%
0.6%
净利率更高
FISV
高出12.8%
2.5%
自由现金流更多
FISV
多$2.8B
$-1.3B
两年增速更快
RKT
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $2.7B |
| 净利润 | $811.0M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | 24.4% | 6.3% |
| 净利率 | 15.3% | 2.5% |
| 营收同比 | 0.6% | 52.2% |
| 净利润同比 | -13.5% | 100.8% |
| 每股收益（稀释后） | $1.51 | $0.10 |
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FISVRKT
| Q4 25 | $5.3B | $2.7B | ||
| Q3 25 | $5.3B | $1.6B | ||
| Q2 25 | $5.5B | $1.4B | ||
| Q1 25 | $5.1B | $1.0B | ||
| Q4 24 | $5.3B | $1.8B | ||
| Q3 24 | $5.2B | $646.9M | ||
| Q2 24 | $5.1B | $1.3B | ||
| Q1 24 | $4.9B | $1.4B |
净利润FISVRKT
| Q4 25 | $811.0M | $68.0M | ||
| Q3 25 | $792.0M | $-123.9M | ||
| Q2 25 | $1.0B | $-1.8M | ||
| Q1 25 | $851.0M | $-10.4M | ||
| Q4 24 | $938.0M | $33.9M | ||
| Q3 24 | $564.0M | $-22.0M | ||
| Q2 24 | $894.0M | $1.3M | ||
| Q1 24 | $735.0M | $16.2M |
毛利率FISVRKT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% | ||
| Q1 24 | — | 51.2% |
营业利润率FISVRKT
| Q4 25 | 24.4% | 6.3% | ||
| Q3 25 | 27.3% | -11.5% | ||
| Q2 25 | 30.7% | 1.8% | ||
| Q1 25 | 27.2% | -21.5% | ||
| Q4 24 | 31.8% | 38.1% | ||
| Q3 24 | 30.7% | -76.9% | ||
| Q2 24 | 28.0% | 14.8% | ||
| Q1 24 | 24.2% | 21.6% |
净利率FISVRKT
| Q4 25 | 15.3% | 2.5% | ||
| Q3 25 | 15.0% | -7.7% | ||
| Q2 25 | 18.6% | -0.1% | ||
| Q1 25 | 16.6% | -1.0% | ||
| Q4 24 | 17.9% | 1.9% | ||
| Q3 24 | 10.8% | -3.4% | ||
| Q2 24 | 17.5% | 0.1% | ||
| Q1 24 | 15.1% | 1.2% |
每股收益（稀释后）FISVRKT
| Q4 25 | $1.51 | $0.10 | ||
| Q3 25 | $1.46 | $-0.06 | ||
| Q2 25 | $1.86 | $-0.01 | ||
| Q1 25 | $1.51 | $-0.08 | ||
| Q4 24 | $1.63 | $0.28 | ||
| Q3 24 | $0.98 | $-0.19 | ||
| Q2 24 | $1.53 | $0.01 | ||
| Q1 24 | $1.24 | $0.11 |
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 | $2.7B |
| 总债务越低越好 | $27.8B | — |
| 股东权益账面价值 | $25.8B | $22.9B |
| 总资产 | $80.1B | $60.7B |
| 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FISVRKT
| Q4 25 | $798.0M | $2.7B | ||
| Q3 25 | $1.1B | $5.8B | ||
| Q2 25 | $999.0M | $5.1B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.2B | $1.3B | ||
| Q1 24 | $1.2B | $861.4M |
总债务FISVRKT
| 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 | — | ||
| Q1 24 | $23.8B | — |
股东权益FISVRKT
| Q4 25 | $25.8B | $22.9B | ||
| Q3 25 | $25.1B | $8.9B | ||
| Q2 25 | $25.2B | $7.4B | ||
| Q1 25 | $25.9B | $8.6B | ||
| Q4 24 | $27.1B | $9.0B | ||
| Q3 24 | $27.8B | $8.4B | ||
| Q2 24 | $28.2B | $8.8B | ||
| Q1 24 | $28.8B | $8.6B |
总资产FISVRKT
| Q4 25 | $80.1B | $60.7B | ||
| Q3 25 | $79.4B | $33.6B | ||
| Q2 25 | $81.5B | $30.4B | ||
| Q1 25 | $80.4B | $25.3B | ||
| Q4 24 | $77.2B | $24.5B | ||
| Q3 24 | $79.8B | $25.1B | ||
| Q2 24 | $93.4B | $23.6B | ||
| Q1 24 | $92.7B | $22.2B |
负债/权益比FISVRKT
| 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× | — | ||
| Q1 24 | 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 | $1.9B | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | $1.5B | $-1.3B |
| 自由现金流率自由现金流/营收 | 28.4% | -47.2% |
| 资本支出强度资本支出/营收 | 8.4% | 1.5% |
| 现金转化率经营现金流/净利润 | 2.40× | -18.08× |
| 过去12个月自由现金流最近4个季度 | $4.3B | $-4.0B |
8季度趋势，按日历期对齐
经营现金流FISVRKT
| Q4 25 | $1.9B | $-1.2B | ||
| Q3 25 | $1.8B | $-50.3M | ||
| Q2 25 | $1.7B | $-1.9B | ||
| Q1 25 | $648.0M | $-797.0M | ||
| Q4 24 | $2.2B | $1.8B | ||
| Q3 24 | $2.2B | $-1.3B | ||
| Q2 24 | $1.3B | $-122.3M | ||
| Q1 24 | $831.0M | $-3.0B |
自由现金流FISVRKT
| Q4 25 | $1.5B | $-1.3B | ||
| Q3 25 | $1.3B | $-71.8M | ||
| Q2 25 | $1.2B | $-1.9B | ||
| Q1 25 | $313.0M | $-811.0M | ||
| Q4 24 | $1.8B | $1.8B | ||
| Q3 24 | $1.8B | $-1.4B | ||
| Q2 24 | $993.0M | $-138.3M | ||
| Q1 24 | $411.0M | $-3.0B |
自由现金流率FISVRKT
| Q4 25 | 28.4% | -47.2% | ||
| Q3 25 | 24.7% | -4.5% | ||
| Q2 25 | 21.5% | -137.2% | ||
| Q1 25 | 6.1% | -78.2% | ||
| Q4 24 | 34.7% | 103.1% | ||
| Q3 24 | 35.2% | -209.6% | ||
| Q2 24 | 19.4% | -10.6% | ||
| Q1 24 | 8.4% | -218.7% |
资本支出强度FISVRKT
| Q4 25 | 8.4% | 1.5% | ||
| Q3 25 | 9.6% | 1.3% | ||
| Q2 25 | 8.7% | 1.1% | ||
| Q1 25 | 6.5% | 1.4% | ||
| Q4 24 | 7.6% | 1.1% | ||
| Q3 24 | 7.7% | 2.9% | ||
| Q2 24 | 6.8% | 1.2% | ||
| Q1 24 | 8.6% | 1.0% |
现金转化率FISVRKT
| Q4 25 | 2.40× | -18.08× | ||
| Q3 25 | 2.28× | — | ||
| Q2 25 | 1.62× | — | ||
| Q1 25 | 0.76× | — | ||
| Q4 24 | 2.37× | 54.42× | ||
| Q3 24 | 3.97× | — | ||
| Q2 24 | 1.50× | -94.46× | ||
| Q1 24 | 1.13× | -185.80× |
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% |
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
