vs
Fidelity National Financial, Inc.（FNF）与STEWART INFORMATION SERVICES CORP（STC）财务数据对比。点击上方公司名可切换其他公司
STEWART INFORMATION SERVICES CORP的季度营收约是Fidelity National Financial, Inc.的1.4倍（$764.6M vs $544.0M）。STEWART INFORMATION SERVICES CORP净利率更高（2.2% vs -21.5%，领先23.7%）。STEWART INFORMATION SERVICES CORP同比增速更快（27.7% vs 10.3%）。过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% vs 12.7%）
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。
斯图尔特信息服务公司（STC）是一家主营房地产信息、产权保险及交易管理服务的企业，旗下全资子公司斯图尔特产权担保公司、斯图尔特产权公司通过直营网点、斯图尔特可信供应商网络内的独立代理机构及合作企业，为美国及全球市场提供相关产品与服务，总部位于得克萨斯州休斯敦，现有员工约6350人。
FNF vs STC — 直观对比
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $544.0M | $764.6M |
| 净利润 | $-117.0M | $17.0M |
| 毛利率 | — | — |
| 营业利润率 | 82.9% | — |
| 净利率 | -21.5% | 2.2% |
| 营收同比 | 10.3% | 27.7% |
| 净利润同比 | -126.0% | 448.4% |
| 每股收益（稀释后） | $-0.44 | — |
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
| Q1 26 | — | $764.6M | ||
| Q4 25 | $544.0M | $790.6M | ||
| Q3 25 | $553.0M | $796.9M | ||
| Q2 25 | $547.0M | $722.2M | ||
| Q1 25 | $455.0M | $612.0M | ||
| Q4 24 | $493.0M | $665.9M | ||
| Q3 24 | $506.0M | $667.9M | ||
| Q2 24 | $504.0M | $602.2M |
| Q1 26 | — | $17.0M | ||
| Q4 25 | $-117.0M | $36.3M | ||
| Q3 25 | $358.0M | $44.3M | ||
| Q2 25 | $278.0M | $31.9M | ||
| Q1 25 | $83.0M | $3.1M | ||
| Q4 24 | $450.0M | $22.7M | ||
| Q3 24 | $266.0M | $30.1M | ||
| Q2 24 | $306.0M | $17.3M |
| Q1 26 | — | — | ||
| Q4 25 | 82.9% | 6.5% | ||
| Q3 25 | 81.9% | 7.7% | ||
| Q2 25 | 69.8% | 6.5% | ||
| Q1 25 | 24.4% | 1.0% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | 61.9% | 6.4% | ||
| Q2 24 | 90.9% | 4.8% |
| Q1 26 | — | 2.2% | ||
| Q4 25 | -21.5% | 4.6% | ||
| Q3 25 | 64.7% | 5.6% | ||
| Q2 25 | 50.8% | 4.4% | ||
| Q1 25 | 18.2% | 0.5% | ||
| Q4 24 | 91.3% | 3.4% | ||
| Q3 24 | 52.6% | 4.5% | ||
| Q2 24 | 60.7% | 2.9% |
| Q1 26 | — | — | ||
| Q4 25 | $-0.44 | $1.26 | ||
| Q3 25 | $1.33 | $1.55 | ||
| Q2 25 | $1.02 | $1.13 | ||
| Q1 25 | $0.30 | $0.11 | ||
| Q4 24 | $1.65 | $0.81 | ||
| Q3 24 | $0.97 | $1.07 | ||
| Q2 24 | $1.12 | $0.62 |
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 | $317.5M |
| 总债务越低越好 | $4.4B | — |
| 股东权益账面价值 | $7.4B | — |
| 总资产 | $109.0B | — |
| 负债/权益比越低杠杆越低 | 0.59× | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $317.5M | ||
| Q4 25 | $2.6B | $369.7M | ||
| Q3 25 | $3.5B | $233.2M | ||
| Q2 25 | $3.3B | $223.8M | ||
| Q1 25 | $4.5B | $194.2M | ||
| Q4 24 | $3.5B | $257.5M | ||
| Q3 24 | $5.0B | $228.7M | ||
| Q2 24 | $4.9B | $176.7M |
| Q1 26 | — | — | ||
| Q4 25 | $4.4B | — | ||
| Q3 25 | $4.4B | — | ||
| Q2 25 | $4.4B | — | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.3B | $445.8M | ||
| Q3 24 | $4.2B | — | ||
| Q2 24 | $4.2B | — |
| Q1 26 | — | — | ||
| Q4 25 | $7.4B | $1.6B | ||
| Q3 25 | $8.4B | $1.5B | ||
| Q2 25 | $7.9B | $1.4B | ||
| Q1 25 | $7.9B | $1.4B | ||
| Q4 24 | $7.8B | $1.4B | ||
| Q3 24 | $8.1B | $1.4B | ||
| Q2 24 | $7.3B | $1.4B |
| Q1 26 | — | — | ||
| Q4 25 | $109.0B | $3.3B | ||
| Q3 25 | $106.6B | $2.8B | ||
| Q2 25 | $102.3B | $2.8B | ||
| Q1 25 | $98.2B | $2.7B | ||
| Q4 24 | $95.4B | $2.7B | ||
| Q3 24 | $94.7B | $2.7B | ||
| Q2 24 | $88.8B | $2.6B |
| Q1 26 | — | — | ||
| Q4 25 | 0.59× | — | ||
| Q3 25 | 0.53× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 0.56× | — | ||
| Q4 24 | 0.56× | 0.32× | ||
| Q3 24 | 0.52× | — | ||
| Q2 24 | 0.58× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $1.5B | $89.5M | ||
| Q3 25 | $1.3B | $92.6M | ||
| Q2 25 | $1.9B | $53.4M | ||
| Q1 25 | $1.1B | $-29.9M | ||
| Q4 24 | $1.5B | $68.0M | ||
| Q3 24 | $2.4B | $76.1M | ||
| Q2 24 | $1.4B | $21.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $62.3M | ||
| Q3 25 | — | $73.6M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $-42.2M | ||
| Q4 24 | — | $55.6M | ||
| Q3 24 | — | $67.4M | ||
| Q2 24 | — | $11.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 7.9% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | 5.4% | ||
| Q1 25 | — | -6.9% | ||
| Q4 24 | — | 8.4% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 2.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.47× | ||
| Q3 25 | 3.66× | 2.09× | ||
| Q2 25 | 6.82× | 1.67× | ||
| Q1 25 | 13.43× | -9.73× | ||
| Q4 24 | 3.32× | 2.99× | ||
| Q3 24 | 8.89× | 2.53× | ||
| Q2 24 | 4.45× | 1.22× |
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% |
STC
| Agency title | $333.0M | 44% |
| Direct title | $270.2M | 35% |
| Real estate solutions | $161.4M | 21% |
