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ExlService Holdings, Inc.（EXLS）とFair Isaac（FICO）の財務データ比較。上の社名をクリックして会社を切り替えられます
ExlService Holdings, Inc.の直近四半期売上が大きい（$542.6M vs $512.0M、Fair Isaacの約1.1倍）。Fair Isaacの純利益率が高く（30.9% vs 11.1%、差は19.8%）。Fair Isaacの前年同期比売上増加率が高い（16.4% vs 12.7%）。Fair Isaacの直近四半期フリーキャッシュフローが多い（$173.9M vs $106.5M）。過去8四半期でExlService Holdings, Inc.の売上複合成長率が高い（11.5% vs 8.6%）
ExlService Holdings Inc.は保険、ヘルスケア、銀行・金融サービス、メディア、小売などの業界を対象に分析・デジタルソリューションを提供するグローバル企業で、本社はニューヨークに所在し、米国、欧州、アジア、中南米、オーストラリア、南アフリカなど世界各地に5万4000人以上の専門スタッフを擁しています。
FICO（旧社名Fair, Isaac and Company）は米国モンタナ州ボーズマンに本社を置くデータ分析企業で、1956年にビル・フェアとアール・アイザックにより創業されました。消費者の信用リスクを測定するFICOスコアは、米国の消費者融資業界で広く活用されています。
EXLS vs FICO — 直接比較
損益計算書 — Q4 FY2025 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $542.6M | $512.0M |
| 純利益 | $60.2M | $158.4M |
| 粗利率 | 38.6% | 83.0% |
| 営業利益率 | 14.4% | 45.7% |
| 純利益率 | 11.1% | 30.9% |
| 売上前年比 | 12.7% | 16.4% |
| 純利益前年比 | 18.9% | 3.8% |
| EPS（希薄化後） | $0.38 | $6.61 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $542.6M | $512.0M | ||
| Q3 25 | $529.6M | $515.8M | ||
| Q2 25 | $514.5M | $536.4M | ||
| Q1 25 | $501.0M | $498.7M | ||
| Q4 24 | $481.4M | $440.0M | ||
| Q3 24 | $472.1M | $453.8M | ||
| Q2 24 | $448.4M | $447.8M | ||
| Q1 24 | $436.5M | $433.8M |
| Q4 25 | $60.2M | $158.4M | ||
| Q3 25 | $58.2M | $155.0M | ||
| Q2 25 | $66.1M | $181.8M | ||
| Q1 25 | $66.6M | $162.6M | ||
| Q4 24 | $50.7M | $152.5M | ||
| Q3 24 | $53.0M | $135.7M | ||
| Q2 24 | $45.8M | $126.3M | ||
| Q1 24 | $48.8M | $129.8M |
| Q4 25 | 38.6% | 83.0% | ||
| Q3 25 | 38.5% | 82.3% | ||
| Q2 25 | 37.7% | 83.7% | ||
| Q1 25 | 38.6% | 82.4% | ||
| Q4 24 | 38.1% | 80.1% | ||
| Q3 24 | 37.8% | 80.3% | ||
| Q2 24 | 37.1% | 80.3% | ||
| Q1 24 | 37.4% | 80.0% |
| Q4 25 | 14.4% | 45.7% | ||
| Q3 25 | 14.4% | 46.0% | ||
| Q2 25 | 15.8% | 48.9% | ||
| Q1 25 | 15.7% | 49.3% | ||
| Q4 24 | 14.8% | 40.8% | ||
| Q3 24 | 14.7% | 43.4% | ||
| Q2 24 | 13.7% | 42.5% | ||
| Q1 24 | 14.1% | 44.9% |
| Q4 25 | 11.1% | 30.9% | ||
| Q3 25 | 11.0% | 30.1% | ||
| Q2 25 | 12.8% | 33.9% | ||
| Q1 25 | 13.3% | 32.6% | ||
| Q4 24 | 10.5% | 34.7% | ||
| Q3 24 | 11.2% | 29.9% | ||
| Q2 24 | 10.2% | 28.2% | ||
| Q1 24 | 11.2% | 29.9% |
| Q4 25 | $0.38 | $6.61 | ||
| Q3 25 | $0.36 | $6.41 | ||
| Q2 25 | $0.40 | $7.40 | ||
| Q1 25 | $0.40 | $6.59 | ||
| Q4 24 | $0.31 | $6.14 | ||
| Q3 24 | $0.33 | $5.44 | ||
| Q2 24 | $0.28 | $5.05 | ||
| Q1 24 | $0.29 | $5.16 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $328.4M | $162.0M |
| 総負債低いほど良い | $298.6M | $3.2B |
| 株主資本純資産 | $912.7M | $-1.8B |
| 総資産 | $1.7B | $1.9B |
| 負債/資本比率低いほどレバレッジが低い | 0.33× | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $328.4M | $162.0M | ||
| Q3 25 | $390.1M | $134.1M | ||
| Q2 25 | $353.3M | $189.0M | ||
| Q1 25 | $331.4M | $146.6M | ||
| Q4 24 | $340.6M | $184.3M | ||
| Q3 24 | $325.8M | $150.7M | ||
| Q2 24 | $276.1M | $156.0M | ||
| Q1 24 | $246.2M | $135.7M |
| Q4 25 | $298.6M | $3.2B | ||
| Q3 25 | $354.8M | $3.1B | ||
| Q2 25 | $260.0M | $2.8B | ||
| Q1 25 | $307.3M | $2.5B | ||
| Q4 24 | $288.5M | $2.4B | ||
| Q3 24 | $344.7M | $2.2B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.0B |
| Q4 25 | $912.7M | $-1.8B | ||
| Q3 25 | $952.4M | $-1.7B | ||
| Q2 25 | $1.1B | $-1.4B | ||
| Q1 25 | $1.0B | $-1.1B | ||
| Q4 24 | $929.9M | $-1.1B | ||
| Q3 24 | $907.6M | $-962.7M | ||
| Q2 24 | $852.6M | $-829.3M | ||
| Q1 24 | $803.3M | $-735.7M |
| Q4 25 | $1.7B | $1.9B | ||
| Q3 25 | $1.7B | $1.9B | ||
| Q2 25 | $1.7B | $1.9B | ||
| Q1 25 | $1.7B | $1.8B | ||
| Q4 24 | $1.6B | $1.7B | ||
| Q3 24 | $1.6B | $1.7B | ||
| Q2 24 | $1.5B | $1.7B | ||
| Q1 24 | $1.4B | $1.7B |
| Q4 25 | 0.33× | — | ||
| Q3 25 | 0.37× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.38× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $117.4M | $174.1M |
| フリーキャッシュフロー営業CF - 設備投資 | $106.5M | $173.9M |
| FCFマージンFCF / 売上 | 19.6% | 34.0% |
| 設備投資強度設備投資 / 売上 | 2.0% | 0.0% |
| キャッシュ転換率営業CF / 純利益 | 1.95× | 1.10× |
| 直近12ヶ月FCF直近4四半期 | $298.1M | $750.6M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $117.4M | $174.1M | ||
| Q3 25 | $120.7M | $223.7M | ||
| Q2 25 | $109.4M | $286.2M | ||
| Q1 25 | $3.2M | $74.9M | ||
| Q4 24 | $105.3M | $194.0M | ||
| Q3 24 | $110.1M | $226.5M | ||
| Q2 24 | $74.9M | $213.3M | ||
| Q1 24 | $-21.9M | $71.0M |
| Q4 25 | $106.5M | $173.9M | ||
| Q3 25 | $106.4M | $219.5M | ||
| Q2 25 | $95.0M | $284.4M | ||
| Q1 25 | $-9.7M | $72.8M | ||
| Q4 24 | $95.3M | $193.2M | ||
| Q3 24 | $97.3M | $224.7M | ||
| Q2 24 | $62.8M | $211.6M | ||
| Q1 24 | $-33.1M | $67.0M |
| Q4 25 | 19.6% | 34.0% | ||
| Q3 25 | 20.1% | 42.6% | ||
| Q2 25 | 18.5% | 53.0% | ||
| Q1 25 | -1.9% | 14.6% | ||
| Q4 24 | 19.8% | 43.9% | ||
| Q3 24 | 20.6% | 49.5% | ||
| Q2 24 | 14.0% | 47.2% | ||
| Q1 24 | -7.6% | 15.4% |
| Q4 25 | 2.0% | 0.0% | ||
| Q3 25 | 2.7% | 0.8% | ||
| Q2 25 | 2.8% | 0.3% | ||
| Q1 25 | 2.6% | 0.4% | ||
| Q4 24 | 2.1% | 0.2% | ||
| Q3 24 | 2.7% | 0.4% | ||
| Q2 24 | 2.7% | 0.4% | ||
| Q1 24 | 2.6% | 0.9% |
| Q4 25 | 1.95× | 1.10× | ||
| Q3 25 | 2.08× | 1.44× | ||
| Q2 25 | 1.66× | 1.57× | ||
| Q1 25 | 0.05× | 0.46× | ||
| Q4 24 | 2.08× | 1.27× | ||
| Q3 24 | 2.08× | 1.67× | ||
| Q2 24 | 1.63× | 1.69× | ||
| Q1 24 | -0.45× | 0.55× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
