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Shift4 Payments, Inc.（FOUR）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
RENAISSANCERE HOLDINGS LTD的季度营收约是Shift4 Payments, Inc.的1.8倍（$2.2B vs $1.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 3.4%，领先20.1%），Shift4 Payments, Inc.同比增速更快（34.0% vs -36.8%），过去两年Shift4 Payments, Inc.的营收复合增速更高（29.6% vs -11.9%）
Shift4 Payments是美国支付处理服务商，总部位于宾夕法尼亚州阿伦敦，1999年由贾里德·艾萨克曼创立。公司为零售、酒店、休闲、餐饮等行业超20万家商户提供支付处理服务，主营移动支付软硬件等商业技术，2020年于纽约证券交易所挂牌上市。
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。
FOUR vs RNR — 直观对比
营收规模更大
RNR
是对方的1.8倍
$1.2B
营收增速更快
FOUR
高出70.8%
-36.8%
净利率更高
RNR
高出20.1%
3.4%
两年增速更快
FOUR
近两年复合增速
-11.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $2.2B |
| 净利润 | $40.2M | $515.8M |
| 毛利率 | — | — |
| 营业利润率 | 10.8% | — |
| 净利率 | 3.4% | 23.5% |
| 营收同比 | 34.0% | -36.8% |
| 净利润同比 | -65.3% | 72.6% |
| 每股收益（稀释后） | — | $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FOURRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | $1.2B | $3.0B | ||
| Q3 25 | $1.2B | $3.2B | ||
| Q2 25 | $966.2M | $3.2B | ||
| Q1 25 | $848.3M | $3.5B | ||
| Q4 24 | $887.0M | $2.3B | ||
| Q3 24 | $909.2M | $4.0B | ||
| Q2 24 | $827.0M | $2.8B |
净利润FOURRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | $40.2M | $760.5M | ||
| Q3 25 | $28.1M | $916.5M | ||
| Q2 25 | $34.0M | $835.4M | ||
| Q1 25 | $16.7M | $170.0M | ||
| Q4 24 | $116.0M | $-189.7M | ||
| Q3 24 | $53.8M | $1.2B | ||
| Q2 24 | $39.2M | $503.9M |
营业利润率FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | 10.8% | 42.5% | ||
| Q3 25 | 9.7% | 46.3% | ||
| Q2 25 | 8.6% | 41.8% | ||
| Q1 25 | 3.0% | -2.0% | ||
| Q4 24 | 9.7% | -3.6% | ||
| Q3 24 | 8.8% | 43.7% | ||
| Q2 24 | 7.2% | 25.0% |
净利率FOURRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | 3.4% | 25.6% | ||
| Q3 25 | 2.4% | 28.7% | ||
| Q2 25 | 3.5% | 26.1% | ||
| Q1 25 | 2.0% | 4.9% | ||
| Q4 24 | 13.1% | -8.3% | ||
| Q3 24 | 5.9% | 29.8% | ||
| Q2 24 | 4.7% | 17.8% |
每股收益（稀释后）FOURRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | — | $16.16 | ||
| Q3 25 | — | $19.40 | ||
| Q2 25 | — | $17.20 | ||
| Q1 25 | — | $3.27 | ||
| Q4 24 | — | $-3.76 | ||
| Q3 24 | — | $22.62 | ||
| Q2 24 | — | $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 | $964.0M | $1.6B |
| 总债务越低越好 | $4.5B | — |
| 股东权益账面价值 | $1.4B | $4.3B |
| 总资产 | $8.7B | $53.7B |
| 负债/权益比越低杠杆越低 | 3.15× | — |
8季度趋势，按日历期对齐
现金及短期投资FOURRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | $964.0M | $1.7B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $3.0B | $1.4B | ||
| Q1 25 | $1.2B | $1.6B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.4B | $1.6B | ||
| Q2 24 | $205.0M | $1.6B |
总债务FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | $4.5B | $2.3B | ||
| Q3 25 | $4.7B | $2.2B | ||
| Q2 25 | $3.7B | $2.3B | ||
| Q1 25 | $2.8B | $2.8B | ||
| Q4 24 | $2.8B | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B |
股东权益FOURRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | $1.4B | $11.6B | ||
| Q3 25 | $1.7B | $11.5B | ||
| Q2 25 | $1.6B | $10.8B | ||
| Q1 25 | $805.2M | $10.3B | ||
| Q4 24 | $806.6M | $10.6B | ||
| Q3 24 | $811.8M | $11.2B | ||
| Q2 24 | $700.8M | $10.2B |
总资产FOURRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | $8.7B | $53.8B | ||
| Q3 25 | $9.0B | $54.5B | ||
| Q2 25 | $7.0B | $54.7B | ||
| Q1 25 | $5.0B | $53.6B | ||
| Q4 24 | $5.0B | $50.7B | ||
| Q3 24 | $5.0B | $52.8B | ||
| Q2 24 | $3.5B | $51.6B |
负债/权益比FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | 3.15× | 0.20× | ||
| Q3 25 | 2.83× | 0.19× | ||
| Q2 25 | 2.34× | 0.21× | ||
| Q1 25 | 3.53× | 0.27× | ||
| Q4 24 | 3.52× | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 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 | $223.7M | — |
| 自由现金流经营现金流 - 资本支出 | $222.5M | — |
| 自由现金流率自由现金流/营收 | 18.7% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | 5.56× | — |
| 过去12个月自由现金流最近4个季度 | $624.0M | — |
8季度趋势，按日历期对齐
经营现金流FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | $223.7M | $483.0M | ||
| Q3 25 | $171.8M | $1.6B | ||
| Q2 25 | $141.9M | $1.5B | ||
| Q1 25 | $96.6M | $157.8M | ||
| Q4 24 | $145.4M | $778.9M | ||
| Q3 24 | $182.1M | $1.5B | ||
| Q2 24 | $116.1M | $1.2B |
自由现金流FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | $222.5M | — | ||
| Q3 25 | $165.4M | — | ||
| Q2 25 | $141.0M | — | ||
| Q1 25 | $95.1M | — | ||
| Q4 24 | $143.8M | — | ||
| Q3 24 | $180.1M | — | ||
| Q2 24 | $113.9M | — |
自由现金流率FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | 18.7% | — | ||
| Q3 25 | 14.1% | — | ||
| Q2 25 | 14.6% | — | ||
| Q1 25 | 11.2% | — | ||
| Q4 24 | 16.2% | — | ||
| Q3 24 | 19.8% | — | ||
| Q2 24 | 13.8% | — |
资本支出强度FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.3% | — |
现金转化率FOURRNR
| Q1 26 | — | — | ||
| Q4 25 | 5.56× | 0.64× | ||
| Q3 25 | 6.11× | 1.73× | ||
| Q2 25 | 4.17× | 1.76× | ||
| Q1 25 | 5.78× | 0.93× | ||
| Q4 24 | 1.25× | — | ||
| Q3 24 | 3.38× | 1.26× | ||
| Q2 24 | 2.96× | 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
FOUR
| Payments Based Revenue | $788.8M | 66% |
| Other | $255.0M | 21% |
| Subscription And Other Revenues | $144.8M | 12% |
RNR
暂无分部数据
