vs
Fair Isaac（FICO）とMDU RESOURCES GROUP INC（MDU）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
MDU RESOURCES GROUP INCの直近四半期売上が大きい（$522.6M vs $512.0M、Fair Isaacの約1.0倍）。Fair Isaacの純利益率が高く（30.9% vs 14.6%、差は16.3%）。Fair Isaacの前年同期比売上増加率が高い（16.4% vs -1.6%）。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 $-336.0M）。過去8四半期でFair Isaacの売上複合成長率が高い（8.6% vs -5.7%）
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。
MDUリソーシズグループは米国ノースダコタ州ビスマルクに本社を置く企業で、規制対象のエネルギー供給、公益事業関連の建設資材・サービスを提供しており、米国48州で事業を展開しています。
FICO vs MDU — 直接比較
売上が大きい
MDU
1.0倍大きい
$512.0M
売上成長率が高い
FICO
+17.9%の差
-1.6%
純利益率が高い
FICO
純利益率が16.3%高い
14.6%
フリーキャッシュフローが多い
FICO
FCF $509.9M多い
$-336.0M
2年売上CAGRが高い
FICO
2年複合成長率
-5.7%
損益計算書 — Q1 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $512.0M | $522.6M |
| 純利益 | $158.4M | $76.3M |
| 粗利率 | 83.0% | — |
| 営業利益率 | 45.7% | 20.5% |
| 純利益率 | 30.9% | 14.6% |
| 売上前年比 | 16.4% | -1.6% |
| 純利益前年比 | 3.8% | 38.4% |
| EPS（希薄化後） | $6.61 | $0.37 |
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
売上FICOMDU
| Q4 25 | $512.0M | $522.6M | ||
| Q3 25 | $515.8M | $313.6M | ||
| Q2 25 | $536.4M | $348.7M | ||
| Q1 25 | $498.7M | $678.0M | ||
| Q4 24 | $440.0M | $531.0M | ||
| Q3 24 | $453.8M | $290.7M | ||
| Q2 24 | $447.8M | $343.1M | ||
| Q1 24 | $433.8M | $588.2M |
純利益FICOMDU
| Q4 25 | $158.4M | $76.3M | ||
| Q3 25 | $155.0M | $18.3M | ||
| Q2 25 | $181.8M | $13.8M | ||
| Q1 25 | $162.6M | $82.0M | ||
| Q4 24 | $152.5M | $55.2M | ||
| Q3 24 | $135.7M | $64.6M | ||
| Q2 24 | $126.3M | $60.4M | ||
| Q1 24 | $129.8M | $100.9M |
粗利率FICOMDU
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | — | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | — |
営業利益率FICOMDU
| Q4 25 | 45.7% | 20.5% | ||
| Q3 25 | 46.0% | 12.7% | ||
| Q2 25 | 48.9% | 8.7% | ||
| Q1 25 | 49.3% | 16.6% | ||
| Q4 24 | 40.8% | 17.8% | ||
| Q3 24 | 43.4% | 12.0% | ||
| Q2 24 | 42.5% | 11.5% | ||
| Q1 24 | 44.9% | 16.4% |
純利益率FICOMDU
| Q4 25 | 30.9% | 14.6% | ||
| Q3 25 | 30.1% | 5.8% | ||
| Q2 25 | 33.9% | 4.0% | ||
| Q1 25 | 32.6% | 12.1% | ||
| Q4 24 | 34.7% | 10.4% | ||
| Q3 24 | 29.9% | 22.2% | ||
| Q2 24 | 28.2% | 17.6% | ||
| Q1 24 | 29.9% | 17.2% |
EPS（希薄化後）FICOMDU
| Q4 25 | $6.61 | $0.37 | ||
| Q3 25 | $6.41 | $0.09 | ||
| Q2 25 | $7.40 | $0.07 | ||
| Q1 25 | $6.59 | $0.40 | ||
| Q4 24 | $6.14 | $0.26 | ||
| Q3 24 | $5.44 | $0.32 | ||
| Q2 24 | $5.05 | $0.30 | ||
| Q1 24 | $5.16 | $0.49 |
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 | $162.0M | $28.2M |
| 総負債低いほど良い | $3.2B | $2.7B |
| 株主資本純資産 | $-1.8B | $2.8B |
| 総資産 | $1.9B | $7.6B |
| 負債/資本比率低いほどレバレッジが低い | — | 0.97× |
8四半期トレンド — 暦四半期で整列
現金・短期投資FICOMDU
| Q4 25 | $162.0M | $28.2M | ||
| Q3 25 | $134.1M | $75.9M | ||
| Q2 25 | $189.0M | $58.8M | ||
| Q1 25 | $146.6M | $59.5M | ||
| Q4 24 | $184.3M | $66.9M | ||
| Q3 24 | $150.7M | $88.3M | ||
| Q2 24 | $156.0M | $78.8M | ||
| Q1 24 | $135.7M | $72.7M |
総負債FICOMDU
| Q4 25 | $3.2B | $2.7B | ||
| Q3 25 | $3.1B | $2.4B | ||
| Q2 25 | $2.8B | $2.2B | ||
| Q1 25 | $2.5B | $2.2B | ||
| Q4 24 | $2.4B | $2.3B | ||
| Q3 24 | $2.2B | $2.3B | ||
| Q2 24 | $2.1B | $2.3B | ||
| Q1 24 | $2.0B | $2.3B |
株主資本FICOMDU
| Q4 25 | $-1.8B | $2.8B | ||
| Q3 25 | $-1.7B | $2.7B | ||
| Q2 25 | $-1.4B | $2.7B | ||
| Q1 25 | $-1.1B | $2.7B | ||
| Q4 24 | $-1.1B | $2.7B | ||
| Q3 24 | $-962.7M | $3.1B | ||
| Q2 24 | $-829.3M | $3.0B | ||
| Q1 24 | $-735.7M | $3.0B |
総資産FICOMDU
| Q4 25 | $1.9B | $7.6B | ||
| Q3 25 | $1.9B | $7.2B | ||
| Q2 25 | $1.9B | $6.9B | ||
| Q1 25 | $1.8B | $7.0B | ||
| Q4 24 | $1.7B | $7.0B | ||
| Q3 24 | $1.7B | $8.2B | ||
| Q2 24 | $1.7B | $8.0B | ||
| Q1 24 | $1.7B | $7.8B |
負債/資本比率FICOMDU
| Q4 25 | — | 0.97× | ||
| Q3 25 | — | 0.86× | ||
| Q2 25 | — | 0.80× | ||
| Q1 25 | — | 0.80× | ||
| Q4 24 | — | 0.85× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | — | 0.75× | ||
| Q1 24 | — | 0.76× |
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 | $174.1M | $80.6M |
| フリーキャッシュフロー営業CF - 設備投資 | $173.9M | $-336.0M |
| FCFマージンFCF / 売上 | 34.0% | -64.3% |
| 設備投資強度設備投資 / 売上 | 0.0% | 79.7% |
| キャッシュ転換率営業CF / 純利益 | 1.10× | 1.06× |
| 直近12ヶ月FCF直近4四半期 | $750.6M | $-297.0M |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローFICOMDU
| Q4 25 | $174.1M | $80.6M | ||
| Q3 25 | $223.7M | $57.9M | ||
| Q2 25 | $286.2M | $117.4M | ||
| Q1 25 | $74.9M | $217.5M | ||
| Q4 24 | $194.0M | $60.5M | ||
| Q3 24 | $226.5M | $140.2M | ||
| Q2 24 | $213.3M | $136.5M | ||
| Q1 24 | $71.0M | $165.1M |
フリーキャッシュフローFICOMDU
| Q4 25 | $173.9M | $-336.0M | ||
| Q3 25 | $219.5M | $-121.9M | ||
| Q2 25 | $284.4M | $36.5M | ||
| Q1 25 | $72.8M | $124.4M | ||
| Q4 24 | $193.2M | $-95.8M | ||
| Q3 24 | $224.7M | $673.0K | ||
| Q2 24 | $211.6M | $26.5M | ||
| Q1 24 | $67.0M | $48.1M |
FCFマージンFICOMDU
| Q4 25 | 34.0% | -64.3% | ||
| Q3 25 | 42.6% | -38.9% | ||
| Q2 25 | 53.0% | 10.5% | ||
| Q1 25 | 14.6% | 18.4% | ||
| Q4 24 | 43.9% | -18.0% | ||
| Q3 24 | 49.5% | 0.2% | ||
| Q2 24 | 47.2% | 7.7% | ||
| Q1 24 | 15.4% | 8.2% |
設備投資強度FICOMDU
| Q4 25 | 0.0% | 79.7% | ||
| Q3 25 | 0.8% | 57.3% | ||
| Q2 25 | 0.3% | 23.2% | ||
| Q1 25 | 0.4% | 13.7% | ||
| Q4 24 | 0.2% | 29.4% | ||
| Q3 24 | 0.4% | 48.0% | ||
| Q2 24 | 0.4% | 32.0% | ||
| Q1 24 | 0.9% | 19.9% |
キャッシュ転換率FICOMDU
| Q4 25 | 1.10× | 1.06× | ||
| Q3 25 | 1.44× | 3.16× | ||
| Q2 25 | 1.57× | 8.52× | ||
| Q1 25 | 0.46× | 2.65× | ||
| Q4 24 | 1.27× | 1.10× | ||
| Q3 24 | 1.67× | 2.17× | ||
| Q2 24 | 1.69× | 2.26× | ||
| Q1 24 | 0.55× | 1.64× |
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
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% |
MDU
| Natural Gas Distribution | $382.8M | 73% |
| Commercial Utility Sales | $42.7M | 8% |
| Residential Utility Sales | $33.7M | 6% |
| Pipelineand Midstream | $31.1M | 6% |
| Natural Gas Transportation | $17.2M | 3% |
| Industrial Utility Sales | $10.1M | 2% |
| Natural Gas Storage | $6.4M | 1% |
| Other Utility Sales | $1.9M | 0% |
