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FISERV INC（FISV）与携程集团（TCOM）财务数据对比。点击上方公司名可切换其他公司
FISERV INC的季度营收约是携程集团的17.3倍（$5.3B vs $304.6M）。携程集团净利率更高（27.8% vs 15.3%，领先12.4%）
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。
携程集团是总部位于中国上海的跨国旅行服务企业，为全球最大的在线旅行服务提供商，业务覆盖机票预订、酒店预订、度假产品、商旅管理等领域，面向全球用户提供一站式旅行综合服务。
FISV vs TCOM — 直观对比
营收规模更大
FISV
是对方的17.3倍
$304.6M
净利率更高
TCOM
高出12.4%
15.3%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $304.6M |
| 净利润 | $811.0M | $84.6M |
| 毛利率 | — | 78.8% |
| 营业利润率 | 24.4% | 16.5% |
| 净利率 | 15.3% | 27.8% |
| 营收同比 | 0.6% | — |
| 净利润同比 | -13.5% | — |
| 每股收益（稀释后） | $1.51 | $0.12 |
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FISVTCOM
| Q4 25 | $5.3B | $304.6M | ||
| Q3 25 | $5.3B | — | ||
| Q2 25 | $5.5B | — | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $5.2B | — | ||
| Q2 24 | $5.1B | $242.7M | ||
| Q1 24 | $4.9B | — |
净利润FISVTCOM
| Q4 25 | $811.0M | $84.6M | ||
| Q3 25 | $792.0M | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $851.0M | — | ||
| Q4 24 | $938.0M | — | ||
| Q3 24 | $564.0M | — | ||
| Q2 24 | $894.0M | $73.8M | ||
| Q1 24 | $735.0M | — |
毛利率FISVTCOM
| Q4 25 | — | 78.8% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 81.8% | ||
| Q1 24 | — | — |
营业利润率FISVTCOM
| Q4 25 | 24.4% | 16.5% | ||
| Q3 25 | 27.3% | — | ||
| Q2 25 | 30.7% | — | ||
| Q1 25 | 27.2% | — | ||
| Q4 24 | 31.8% | — | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 28.0% | 27.8% | ||
| Q1 24 | 24.2% | — |
净利率FISVTCOM
| Q4 25 | 15.3% | 27.8% | ||
| Q3 25 | 15.0% | — | ||
| Q2 25 | 18.6% | — | ||
| Q1 25 | 16.6% | — | ||
| Q4 24 | 17.9% | — | ||
| Q3 24 | 10.8% | — | ||
| Q2 24 | 17.5% | 30.4% | ||
| Q1 24 | 15.1% | — |
每股收益（稀释后）FISVTCOM
| Q4 25 | $1.51 | $0.12 | ||
| Q3 25 | $1.46 | — | ||
| Q2 25 | $1.86 | — | ||
| Q1 25 | $1.51 | — | ||
| Q4 24 | $1.63 | — | ||
| Q3 24 | $0.98 | — | ||
| Q2 24 | $1.53 | $0.11 | ||
| Q1 24 | $1.24 | — |
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 | $10.8B |
| 总债务越低越好 | $27.8B | $4.2B |
| 股东权益账面价值 | $25.8B | $23.8B |
| 总资产 | $80.1B | $36.9B |
| 负债/权益比越低杠杆越低 | 1.08× | 0.18× |
8季度趋势，按日历期对齐
现金及短期投资FISVTCOM
| Q4 25 | $798.0M | $10.8B | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $999.0M | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | $12.4B | ||
| Q1 24 | $1.2B | — |
总债务FISVTCOM
| Q4 25 | $27.8B | $4.2B | ||
| Q3 25 | $28.9B | — | ||
| Q2 25 | $28.1B | — | ||
| Q1 25 | $27.0B | — | ||
| Q4 24 | $23.7B | — | ||
| Q3 24 | $24.1B | — | ||
| Q2 24 | $24.4B | $8.2B | ||
| Q1 24 | $23.8B | — |
股东权益FISVTCOM
| Q4 25 | $25.8B | $23.8B | ||
| Q3 25 | $25.1B | — | ||
| Q2 25 | $25.2B | — | ||
| Q1 25 | $25.9B | — | ||
| Q4 24 | $27.1B | — | ||
| Q3 24 | $27.8B | — | ||
| Q2 24 | $28.2B | $18.1B | ||
| Q1 24 | $28.8B | — |
总资产FISVTCOM
| Q4 25 | $80.1B | $36.9B | ||
| Q3 25 | $79.4B | — | ||
| Q2 25 | $81.5B | — | ||
| Q1 25 | $80.4B | — | ||
| Q4 24 | $77.2B | — | ||
| Q3 24 | $79.8B | — | ||
| Q2 24 | $93.4B | $34.2B | ||
| Q1 24 | $92.7B | — |
负债/权益比FISVTCOM
| Q4 25 | 1.08× | 0.18× | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.11× | — | ||
| Q1 25 | 1.04× | — | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.87× | 0.45× | ||
| 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 | — |
| 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FISVTCOM
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $648.0M | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $831.0M | — |
自由现金流FISVTCOM
| 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 | — | ||
| Q1 24 | $411.0M | — |
自由现金流率FISVTCOM
| 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% | — | ||
| Q1 24 | 8.4% | — |
资本支出强度FISVTCOM
| 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% | — | ||
| Q1 24 | 8.6% | — |
现金转化率FISVTCOM
| Q4 25 | 2.40× | — | ||
| Q3 25 | 2.28× | — | ||
| Q2 25 | 1.62× | — | ||
| Q1 25 | 0.76× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 3.97× | — | ||
| Q2 24 | 1.50× | — | ||
| Q1 24 | 1.13× | — |
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% |
TCOM
暂无分部数据
