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Fidelity National Financial, Inc.（FNF）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Fidelity National Financial, Inc.的季度营收约是Penguin Solutions, Inc.的1.6倍（$544.0M vs $343.1M），Penguin Solutions, Inc.净利率更高（1.5% vs -21.5%，领先23.0%），Fidelity National Financial, Inc.同比增速更快（10.3% vs 0.6%），过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% vs 11.8%）
富达国民金融是美国财富500强企业，主要面向房地产与抵押贷款行业提供产权保险及交割服务，2019年其产权及房地产业务相关年度营收约为84.69亿美元，是全球领先的产权保险服务供应商。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
FNF vs PENG — 直观对比
营收规模更大
FNF
是对方的1.6倍
$343.1M
营收增速更快
FNF
高出9.8%
0.6%
净利率更高
PENG
高出23.0%
-21.5%
两年增速更快
FNF
近两年复合增速
11.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $544.0M | $343.1M |
| 净利润 | $-117.0M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 82.9% | 5.7% |
| 净利率 | -21.5% | 1.5% |
| 营收同比 | 10.3% | 0.6% |
| 净利润同比 | -126.0% | 1.0% |
| 每股收益（稀释后） | $-0.44 | $0.04 |
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FNFPENG
| Q4 25 | $544.0M | $343.1M | ||
| Q3 25 | $553.0M | $337.9M | ||
| Q2 25 | $547.0M | $324.3M | ||
| Q1 25 | $455.0M | $365.5M | ||
| Q4 24 | $493.0M | $341.1M | ||
| Q3 24 | $506.0M | $284.8M | ||
| Q2 24 | $504.0M | $300.6M | ||
| Q1 24 | $421.0M | — |
净利润FNFPENG
| Q4 25 | $-117.0M | $5.3M | ||
| Q3 25 | $358.0M | $9.4M | ||
| Q2 25 | $278.0M | $2.7M | ||
| Q1 25 | $83.0M | $8.1M | ||
| Q4 24 | $450.0M | $5.2M | ||
| Q3 24 | $266.0M | — | ||
| Q2 24 | $306.0M | $5.6M | ||
| Q1 24 | $248.0M | — |
毛利率FNFPENG
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
营业利润率FNFPENG
| Q4 25 | 82.9% | 5.7% | ||
| Q3 25 | 81.9% | 3.7% | ||
| Q2 25 | 69.8% | 3.0% | ||
| Q1 25 | 24.4% | 5.1% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | 61.9% | -1.2% | ||
| Q2 24 | 90.9% | 3.8% | ||
| Q1 24 | 78.6% | — |
净利率FNFPENG
| Q4 25 | -21.5% | 1.5% | ||
| Q3 25 | 64.7% | 2.8% | ||
| Q2 25 | 50.8% | 0.8% | ||
| Q1 25 | 18.2% | 2.2% | ||
| Q4 24 | 91.3% | 1.5% | ||
| Q3 24 | 52.6% | — | ||
| Q2 24 | 60.7% | 1.9% | ||
| Q1 24 | 58.9% | — |
每股收益（稀释后）FNFPENG
| Q4 25 | $-0.44 | $0.04 | ||
| Q3 25 | $1.33 | $0.10 | ||
| Q2 25 | $1.02 | $-0.01 | ||
| Q1 25 | $0.30 | $0.09 | ||
| Q4 24 | $1.65 | $0.10 | ||
| Q3 24 | $0.97 | — | ||
| Q2 24 | $1.12 | $0.10 | ||
| Q1 24 | $0.91 | — |
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 | $2.6B | $461.5M |
| 总债务越低越好 | $4.4B | $462.3M |
| 股东权益账面价值 | $7.4B | $389.7M |
| 总资产 | $109.0B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.59× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资FNFPENG
| Q4 25 | $2.6B | $461.5M | ||
| Q3 25 | $3.5B | $453.8M | ||
| Q2 25 | $3.3B | $735.5M | ||
| Q1 25 | $4.5B | $647.0M | ||
| Q4 24 | $3.5B | $393.7M | ||
| Q3 24 | $5.0B | $389.5M | ||
| Q2 24 | $4.9B | $467.5M | ||
| Q1 24 | $3.5B | — |
总债务FNFPENG
| Q4 25 | $4.4B | $462.3M | ||
| Q3 25 | $4.4B | $461.8M | ||
| Q2 25 | $4.4B | $659.5M | ||
| Q1 25 | $4.4B | $658.8M | ||
| Q4 24 | $4.3B | $658.1M | ||
| Q3 24 | $4.2B | $657.3M | ||
| Q2 24 | $4.2B | $667.0M | ||
| Q1 24 | $3.9B | — |
股东权益FNFPENG
| Q4 25 | $7.4B | $389.7M | ||
| Q3 25 | $8.4B | $394.2M | ||
| Q2 25 | $7.9B | $584.8M | ||
| Q1 25 | $7.9B | $602.5M | ||
| Q4 24 | $7.8B | $400.4M | ||
| Q3 24 | $8.1B | $391.4M | ||
| Q2 24 | $7.3B | $423.4M | ||
| Q1 24 | $7.1B | — |
总资产FNFPENG
| Q4 25 | $109.0B | $1.6B | ||
| Q3 25 | $106.6B | $1.6B | ||
| Q2 25 | $102.3B | $1.8B | ||
| Q1 25 | $98.2B | $1.8B | ||
| Q4 24 | $95.4B | $1.6B | ||
| Q3 24 | $94.7B | $1.5B | ||
| Q2 24 | $88.8B | $1.5B | ||
| Q1 24 | $84.5B | — |
负债/权益比FNFPENG
| Q4 25 | 0.59× | 1.19× | ||
| Q3 25 | 0.53× | 1.17× | ||
| Q2 25 | 0.56× | 1.13× | ||
| Q1 25 | 0.56× | 1.09× | ||
| Q4 24 | 0.56× | 1.64× | ||
| Q3 24 | 0.52× | 1.68× | ||
| Q2 24 | 0.58× | 1.58× | ||
| Q1 24 | 0.55× | — |
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 | $1.5B | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | — | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流FNFPENG
| Q4 25 | $1.5B | $31.1M | ||
| Q3 25 | $1.3B | $-70.4M | ||
| Q2 25 | $1.9B | $92.8M | ||
| Q1 25 | $1.1B | $72.9M | ||
| Q4 24 | $1.5B | $13.8M | ||
| Q3 24 | $2.4B | — | ||
| Q2 24 | $1.4B | $57.9M | ||
| Q1 24 | $1.6B | — |
自由现金流FNFPENG
| Q4 25 | — | $28.2M | ||
| Q3 25 | — | $-73.4M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | $70.5M | ||
| Q4 24 | — | $12.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $48.9M | ||
| Q1 24 | — | — |
自由现金流率FNFPENG
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -21.7% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | — |
资本支出强度FNFPENG
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | — |
现金转化率FNFPENG
| Q4 25 | — | 5.89× | ||
| Q3 25 | 3.66× | -7.47× | ||
| Q2 25 | 6.82× | 34.88× | ||
| Q1 25 | 13.43× | 9.02× | ||
| Q4 24 | 3.32× | 2.65× | ||
| Q3 24 | 8.89× | — | ||
| Q2 24 | 4.45× | 10.30× | ||
| Q1 24 | 6.42× | — |
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
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
