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FISERV INC（FISV）与RENAISSANCERE HOLDINGS LTD（RNR）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RENAISSANCERE HOLDINGS LTD的2.4倍（$5.3B vs $2.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 15.3%，领先8.2%），FISERV INC同比增速更快（0.6% vs -36.8%），过去两年FISERV INC的营收复合增速更高（4.0% vs -11.9%）
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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
FISV vs RNR — 直观对比
营收规模更大
FISV
是对方的2.4倍
$2.2B
营收增速更快
FISV
高出37.4%
-36.8%
净利率更高
RNR
高出8.2%
15.3%
两年增速更快
FISV
近两年复合增速
-11.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $2.2B |
| 净利润 | $811.0M | $515.8M |
| 毛利率 | — | — |
| 营业利润率 | 24.4% | — |
| 净利率 | 15.3% | 23.5% |
| 营收同比 | 0.6% | -36.8% |
| 净利润同比 | -13.5% | 72.6% |
| 每股收益（稀释后） | $1.51 | $6.57 |
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FISVRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | $5.3B | $3.0B | ||
| Q3 25 | $5.3B | $3.2B | ||
| Q2 25 | $5.5B | $3.2B | ||
| Q1 25 | $5.1B | $3.5B | ||
| Q4 24 | $5.3B | $2.3B | ||
| Q3 24 | $5.2B | $4.0B | ||
| Q2 24 | $5.1B | $2.8B |
净利润FISVRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | $811.0M | $760.5M | ||
| Q3 25 | $792.0M | $916.5M | ||
| Q2 25 | $1.0B | $835.4M | ||
| Q1 25 | $851.0M | $170.0M | ||
| Q4 24 | $938.0M | $-189.7M | ||
| Q3 24 | $564.0M | $1.2B | ||
| Q2 24 | $894.0M | $503.9M |
营业利润率FISVRNR
| Q1 26 | — | — | ||
| Q4 25 | 24.4% | 42.5% | ||
| Q3 25 | 27.3% | 46.3% | ||
| Q2 25 | 30.7% | 41.8% | ||
| Q1 25 | 27.2% | -2.0% | ||
| Q4 24 | 31.8% | -3.6% | ||
| Q3 24 | 30.7% | 43.7% | ||
| Q2 24 | 28.0% | 25.0% |
净利率FISVRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | 15.3% | 25.6% | ||
| Q3 25 | 15.0% | 28.7% | ||
| Q2 25 | 18.6% | 26.1% | ||
| Q1 25 | 16.6% | 4.9% | ||
| Q4 24 | 17.9% | -8.3% | ||
| Q3 24 | 10.8% | 29.8% | ||
| Q2 24 | 17.5% | 17.8% |
每股收益（稀释后）FISVRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | $1.51 | $16.16 | ||
| Q3 25 | $1.46 | $19.40 | ||
| Q2 25 | $1.86 | $17.20 | ||
| Q1 25 | $1.51 | $3.27 | ||
| Q4 24 | $1.63 | $-3.76 | ||
| Q3 24 | $0.98 | $22.62 | ||
| Q2 24 | $1.53 | $9.41 |
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 | $1.6B |
| 总债务越低越好 | $27.8B | — |
| 股东权益账面价值 | $25.8B | $4.3B |
| 总资产 | $80.1B | $53.7B |
| 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FISVRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | $798.0M | $1.7B | ||
| Q3 25 | $1.1B | $1.7B | ||
| Q2 25 | $999.0M | $1.4B | ||
| Q1 25 | $1.2B | $1.6B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $1.6B | ||
| Q2 24 | $1.2B | $1.6B |
总债务FISVRNR
| Q1 26 | — | — | ||
| Q4 25 | $27.8B | $2.3B | ||
| Q3 25 | $28.9B | $2.2B | ||
| Q2 25 | $28.1B | $2.3B | ||
| Q1 25 | $27.0B | $2.8B | ||
| Q4 24 | $23.7B | $1.9B | ||
| Q3 24 | $24.1B | $1.9B | ||
| Q2 24 | $24.4B | $2.0B |
股东权益FISVRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | $25.8B | $11.6B | ||
| Q3 25 | $25.1B | $11.5B | ||
| Q2 25 | $25.2B | $10.8B | ||
| Q1 25 | $25.9B | $10.3B | ||
| Q4 24 | $27.1B | $10.6B | ||
| Q3 24 | $27.8B | $11.2B | ||
| Q2 24 | $28.2B | $10.2B |
总资产FISVRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | $80.1B | $53.8B | ||
| Q3 25 | $79.4B | $54.5B | ||
| Q2 25 | $81.5B | $54.7B | ||
| Q1 25 | $80.4B | $53.6B | ||
| Q4 24 | $77.2B | $50.7B | ||
| Q3 24 | $79.8B | $52.8B | ||
| Q2 24 | $93.4B | $51.6B |
负债/权益比FISVRNR
| Q1 26 | — | — | ||
| Q4 25 | 1.08× | 0.20× | ||
| Q3 25 | 1.15× | 0.19× | ||
| Q2 25 | 1.11× | 0.21× | ||
| Q1 25 | 1.04× | 0.27× | ||
| Q4 24 | 0.88× | 0.18× | ||
| Q3 24 | 0.87× | 0.17× | ||
| Q2 24 | 0.87× | 0.19× |
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FISVRNR
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | $483.0M | ||
| Q3 25 | $1.8B | $1.6B | ||
| Q2 25 | $1.7B | $1.5B | ||
| Q1 25 | $648.0M | $157.8M | ||
| Q4 24 | $2.2B | $778.9M | ||
| Q3 24 | $2.2B | $1.5B | ||
| Q2 24 | $1.3B | $1.2B |
自由现金流FISVRNR
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率FISVRNR
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度FISVRNR
| Q1 26 | — | — | ||
| 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% | — |
现金转化率FISVRNR
| Q1 26 | — | — | ||
| Q4 25 | 2.40× | 0.64× | ||
| Q3 25 | 2.28× | 1.73× | ||
| Q2 25 | 1.62× | 1.76× | ||
| Q1 25 | 0.76× | 0.93× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 3.97× | 1.26× | ||
| Q2 24 | 1.50× | 2.41× |
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% |
RNR
暂无分部数据
