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FISERV INC（FISV）与Ross Stores（ROST）财务数据对比。点击上方公司名可切换其他公司
Ross Stores的季度营收约是FISERV INC的1.1倍（$5.6B vs $5.3B），FISERV INC净利率更高（15.3% vs 9.1%，领先6.2%），Ross Stores同比增速更快（10.4% vs 0.6%），FISERV INC自由现金流更多（$1.5B vs $617.8M），过去两年FISERV INC的营收复合增速更高（4.0% vs -3.6%）
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。
Ross Stores, Inc.是美国知名折扣百货连锁集团，旗下核心品牌为Ross Dress for Less，总部位于加利福尼亚州都柏林，是美国规模最大的平价零售商。截至2024年7月，集团在全美43个州、华盛顿特区、波多黎各及关岛共运营1795家门店，暂未覆盖新英格兰地区及阿拉斯加，另拥有门店数超353家的折扣零售品牌DD's Discounts。
FISV vs ROST — 直观对比
营收规模更大
ROST
是对方的1.1倍
$5.3B
营收增速更快
ROST
高出9.8%
0.6%
净利率更高
FISV
高出6.2%
9.1%
自由现金流更多
FISV
多$884.2M
$617.8M
两年增速更快
FISV
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $5.6B |
| 净利润 | $811.0M | $511.9M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 24.4% | 11.6% |
| 净利率 | 15.3% | 9.1% |
| 营收同比 | 0.6% | 10.4% |
| 净利润同比 | -13.5% | 4.7% |
| 每股收益（稀释后） | $1.51 | $1.58 |
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FISVROST
| Q4 25 | $5.3B | $5.6B | ||
| Q3 25 | $5.3B | $5.5B | ||
| Q2 25 | $5.5B | $5.0B | ||
| Q1 25 | $5.1B | $5.9B | ||
| Q4 24 | $5.3B | $5.1B | ||
| Q3 24 | $5.2B | $5.3B | ||
| Q2 24 | $5.1B | $4.9B | ||
| Q1 24 | $4.9B | $6.0B |
净利润FISVROST
| Q4 25 | $811.0M | $511.9M | ||
| Q3 25 | $792.0M | $508.0M | ||
| Q2 25 | $1.0B | $479.2M | ||
| Q1 25 | $851.0M | $586.8M | ||
| Q4 24 | $938.0M | $488.8M | ||
| Q3 24 | $564.0M | $527.1M | ||
| Q2 24 | $894.0M | $488.0M | ||
| Q1 24 | $735.0M | $609.7M |
毛利率FISVROST
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 27.6% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | — | 26.5% | ||
| Q4 24 | — | 28.3% | ||
| Q3 24 | — | 28.3% | ||
| Q2 24 | — | 28.1% | ||
| Q1 24 | — | 27.3% |
营业利润率FISVROST
| Q4 25 | 24.4% | 11.6% | ||
| Q3 25 | 27.3% | 11.5% | ||
| Q2 25 | 30.7% | 12.2% | ||
| Q1 25 | 27.2% | 12.4% | ||
| Q4 24 | 31.8% | 11.9% | ||
| Q3 24 | 30.7% | 12.5% | ||
| Q2 24 | 28.0% | 12.2% | ||
| Q1 24 | 24.2% | 13.2% |
净利率FISVROST
| Q4 25 | 15.3% | 9.1% | ||
| Q3 25 | 15.0% | 9.2% | ||
| Q2 25 | 18.6% | 9.6% | ||
| Q1 25 | 16.6% | 9.9% | ||
| Q4 24 | 17.9% | 9.6% | ||
| Q3 24 | 10.8% | 10.0% | ||
| Q2 24 | 17.5% | 10.0% | ||
| Q1 24 | 15.1% | 10.1% |
每股收益（稀释后）FISVROST
| Q4 25 | $1.51 | $1.58 | ||
| Q3 25 | $1.46 | $1.56 | ||
| Q2 25 | $1.86 | $1.47 | ||
| Q1 25 | $1.51 | $1.79 | ||
| Q4 24 | $1.63 | $1.48 | ||
| Q3 24 | $0.98 | $1.59 | ||
| Q2 24 | $1.53 | $1.46 | ||
| Q1 24 | $1.24 | $1.82 |
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 | $4.1B |
| 总债务越低越好 | $27.8B | $1.5B |
| 股东权益账面价值 | $25.8B | $5.9B |
| 总资产 | $80.1B | $15.4B |
| 负债/权益比越低杠杆越低 | 1.08× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资FISVROST
| Q4 25 | $798.0M | $4.1B | ||
| Q3 25 | $1.1B | $3.8B | ||
| Q2 25 | $999.0M | $3.8B | ||
| Q1 25 | $1.2B | $4.7B | ||
| Q4 24 | $1.2B | $4.3B | ||
| Q3 24 | $1.2B | $4.7B | ||
| Q2 24 | $1.2B | $4.7B | ||
| Q1 24 | $1.2B | $4.9B |
总债务FISVROST
| Q4 25 | $27.8B | $1.5B | ||
| Q3 25 | $28.9B | $1.5B | ||
| Q2 25 | $28.1B | $1.5B | ||
| Q1 25 | $27.0B | $2.2B | ||
| Q4 24 | $23.7B | $2.2B | ||
| Q3 24 | $24.1B | $2.5B | ||
| Q2 24 | $24.4B | $2.5B | ||
| Q1 24 | $23.8B | $2.5B |
股东权益FISVROST
| Q4 25 | $25.8B | $5.9B | ||
| Q3 25 | $25.1B | $5.7B | ||
| Q2 25 | $25.2B | $5.6B | ||
| Q1 25 | $25.9B | $5.5B | ||
| Q4 24 | $27.1B | $5.3B | ||
| Q3 24 | $27.8B | $5.1B | ||
| Q2 24 | $28.2B | $4.9B | ||
| Q1 24 | $28.8B | $4.9B |
总资产FISVROST
| Q4 25 | $80.1B | $15.4B | ||
| Q3 25 | $79.4B | $14.5B | ||
| Q2 25 | $81.5B | $14.3B | ||
| Q1 25 | $80.4B | $14.9B | ||
| Q4 24 | $77.2B | $14.9B | ||
| Q3 24 | $79.8B | $14.7B | ||
| Q2 24 | $93.4B | $14.5B | ||
| Q1 24 | $92.7B | $14.3B |
负债/权益比FISVROST
| Q4 25 | 1.08× | 0.26× | ||
| Q3 25 | 1.15× | 0.26× | ||
| Q2 25 | 1.11× | 0.27× | ||
| Q1 25 | 1.04× | 0.40× | ||
| Q4 24 | 0.88× | 0.42× | ||
| Q3 24 | 0.87× | 0.48× | ||
| Q2 24 | 0.87× | 0.50× | ||
| Q1 24 | 0.82× | 0.51× |
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 | $827.1M |
| 自由现金流经营现金流 - 资本支出 | $1.5B | $617.8M |
| 自由现金流率自由现金流/营收 | 28.4% | 11.0% |
| 资本支出强度资本支出/营收 | 8.4% | 3.7% |
| 现金转化率经营现金流/净利润 | 2.40× | 1.62× |
| 过去12个月自由现金流最近4个季度 | $4.3B | $2.0B |
8季度趋势，按日历期对齐
经营现金流FISVROST
| Q4 25 | $1.9B | $827.1M | ||
| Q3 25 | $1.8B | $668.4M | ||
| Q2 25 | $1.7B | $409.7M | ||
| Q1 25 | $648.0M | $882.6M | ||
| Q4 24 | $2.2B | $513.4M | ||
| Q3 24 | $2.2B | $592.1M | ||
| Q2 24 | $1.3B | $368.9M | ||
| Q1 24 | $831.0M | $948.8M |
自由现金流FISVROST
| Q4 25 | $1.5B | $617.8M | ||
| Q3 25 | $1.3B | $466.6M | ||
| Q2 25 | $1.2B | $202.3M | ||
| Q1 25 | $313.0M | $676.6M | ||
| Q4 24 | $1.8B | $333.0M | ||
| Q3 24 | $1.8B | $394.6M | ||
| Q2 24 | $993.0M | $232.7M | ||
| Q1 24 | $411.0M | $726.4M |
自由现金流率FISVROST
| Q4 25 | 28.4% | 11.0% | ||
| Q3 25 | 24.7% | 8.4% | ||
| Q2 25 | 21.5% | 4.1% | ||
| Q1 25 | 6.1% | 11.4% | ||
| Q4 24 | 34.7% | 6.6% | ||
| Q3 24 | 35.2% | 7.5% | ||
| Q2 24 | 19.4% | 4.8% | ||
| Q1 24 | 8.4% | 12.1% |
资本支出强度FISVROST
| Q4 25 | 8.4% | 3.7% | ||
| Q3 25 | 9.6% | 3.6% | ||
| Q2 25 | 8.7% | 4.2% | ||
| Q1 25 | 6.5% | 3.5% | ||
| Q4 24 | 7.6% | 3.6% | ||
| Q3 24 | 7.7% | 3.7% | ||
| Q2 24 | 6.8% | 2.8% | ||
| Q1 24 | 8.6% | 3.7% |
现金转化率FISVROST
| Q4 25 | 2.40× | 1.62× | ||
| Q3 25 | 2.28× | 1.32× | ||
| Q2 25 | 1.62× | 0.85× | ||
| Q1 25 | 0.76× | 1.50× | ||
| Q4 24 | 2.37× | 1.05× | ||
| Q3 24 | 3.97× | 1.12× | ||
| Q2 24 | 1.50× | 0.76× | ||
| Q1 24 | 1.13× | 1.56× |
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% |
ROST
暂无分部数据
