vs
Fair Isaac（FICO）とPaymentus Holdings, Inc.（PAY）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
Fair Isaacの直近四半期売上が大きい（$512.0M vs $330.5M、Paymentus Holdings, Inc.の約1.5倍）。Fair Isaacの純利益率が高く（30.9% vs 6.3%、差は24.7%）。Paymentus Holdings, Inc.の前年同期比売上増加率が高い（28.1% vs 16.4%）。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 $45.0M）。過去8四半期でPaymentus Holdings, Inc.の売上複合成長率が高い（33.7% vs 8.6%）
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。
Paymentus Holdings, Inc.はクラウドベースの請求書支払い・顧客エンゲージメント技術の大手プロバイダーです。公共事業、金融サービス、行政、医療、通信などの分野の企業に統合デジタル決済ソリューション、請求自動化ツール、セルフサービスポータルを提供し、主に北米市場で事業を展開しています。
FICO vs PAY — 直接比較
損益計算書 — Q1 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $512.0M | $330.5M |
| 純利益 | $158.4M | $20.7M |
| 粗利率 | 83.0% | 25.4% |
| 営業利益率 | 45.7% | 7.3% |
| 純利益率 | 30.9% | 6.3% |
| 売上前年比 | 16.4% | 28.1% |
| 純利益前年比 | 3.8% | 57.2% |
| EPS（希薄化後） | $6.61 | $0.16 |
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 | $512.0M | $330.5M | ||
| Q3 25 | $515.8M | $310.7M | ||
| Q2 25 | $536.4M | $280.1M | ||
| Q1 25 | $498.7M | $275.2M | ||
| Q4 24 | $440.0M | $257.9M | ||
| Q3 24 | $453.8M | $231.6M | ||
| Q2 24 | $447.8M | $197.4M | ||
| Q1 24 | $433.8M | $184.9M |
| Q4 25 | $158.4M | $20.7M | ||
| Q3 25 | $155.0M | $17.7M | ||
| Q2 25 | $181.8M | $14.7M | ||
| Q1 25 | $162.6M | $13.8M | ||
| Q4 24 | $152.5M | $13.1M | ||
| Q3 24 | $135.7M | $14.4M | ||
| Q2 24 | $126.3M | $9.4M | ||
| Q1 24 | $129.8M | $7.2M |
| Q4 25 | 83.0% | 25.4% | ||
| Q3 25 | 82.3% | 24.1% | ||
| Q2 25 | 83.7% | 25.5% | ||
| Q1 25 | 82.4% | 24.0% | ||
| Q4 24 | 80.1% | 25.6% | ||
| Q3 24 | 80.3% | 26.2% | ||
| Q2 24 | 80.3% | 29.8% | ||
| Q1 24 | 80.0% | 28.5% |
| Q4 25 | 45.7% | 7.3% | ||
| Q3 25 | 46.0% | 6.4% | ||
| Q2 25 | 48.9% | 5.7% | ||
| Q1 25 | 49.3% | 5.7% | ||
| Q4 24 | 40.8% | 5.5% | ||
| Q3 24 | 43.4% | 5.2% | ||
| Q2 24 | 42.5% | 5.2% | ||
| Q1 24 | 44.9% | 4.5% |
| Q4 25 | 30.9% | 6.3% | ||
| Q3 25 | 30.1% | 5.7% | ||
| Q2 25 | 33.9% | 5.3% | ||
| Q1 25 | 32.6% | 5.0% | ||
| Q4 24 | 34.7% | 5.1% | ||
| Q3 24 | 29.9% | 6.2% | ||
| Q2 24 | 28.2% | 4.7% | ||
| Q1 24 | 29.9% | 3.9% |
| Q4 25 | $6.61 | $0.16 | ||
| Q3 25 | $6.41 | $0.14 | ||
| Q2 25 | $7.40 | $0.11 | ||
| Q1 25 | $6.59 | $0.11 | ||
| Q4 24 | $6.14 | $0.11 | ||
| Q3 24 | $5.44 | $0.11 | ||
| Q2 24 | $5.05 | $0.07 | ||
| Q1 24 | $5.16 | $0.06 |
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 | $320.9M |
| 総負債低いほど良い | $3.2B | — |
| 株主資本純資産 | $-1.8B | $560.4M |
| 総資産 | $1.9B | $667.9M |
| 負債/資本比率低いほどレバレッジが低い | — | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $162.0M | $320.9M | ||
| Q3 25 | $134.1M | $287.9M | ||
| Q2 25 | $189.0M | $266.4M | ||
| Q1 25 | $146.6M | $245.8M | ||
| Q4 24 | $184.3M | $205.9M | ||
| Q3 24 | $150.7M | $187.5M | ||
| Q2 24 | $156.0M | $188.8M | ||
| Q1 24 | $135.7M | $180.1M |
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
| Q4 25 | $-1.8B | $560.4M | ||
| Q3 25 | $-1.7B | $537.4M | ||
| Q2 25 | $-1.4B | $516.7M | ||
| Q1 25 | $-1.1B | $500.4M | ||
| Q4 24 | $-1.1B | $485.6M | ||
| Q3 24 | $-962.7M | $468.8M | ||
| Q2 24 | $-829.3M | $451.6M | ||
| Q1 24 | $-735.7M | $439.4M |
| Q4 25 | $1.9B | $667.9M | ||
| Q3 25 | $1.9B | $644.4M | ||
| Q2 25 | $1.9B | $609.5M | ||
| Q1 25 | $1.8B | $590.9M | ||
| Q4 24 | $1.7B | $576.2M | ||
| Q3 24 | $1.7B | $552.9M | ||
| Q2 24 | $1.7B | $527.7M | ||
| Q1 24 | $1.7B | $514.0M |
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 | $45.1M |
| フリーキャッシュフロー営業CF - 設備投資 | $173.9M | $45.0M |
| FCFマージンFCF / 売上 | 34.0% | 13.6% |
| 設備投資強度設備投資 / 売上 | 0.0% | 0.0% |
| キャッシュ転換率営業CF / 純利益 | 1.10× | 2.18× |
| 直近12ヶ月FCF直近4四半期 | $750.6M | $161.8M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $174.1M | $45.1M | ||
| Q3 25 | $223.7M | $35.1M | ||
| Q2 25 | $286.2M | $31.5M | ||
| Q1 25 | $74.9M | $50.4M | ||
| Q4 24 | $194.0M | $27.9M | ||
| Q3 24 | $226.5M | $6.7M | ||
| Q2 24 | $213.3M | $18.0M | ||
| Q1 24 | $71.0M | $11.0M |
| Q4 25 | $173.9M | $45.0M | ||
| Q3 25 | $219.5M | $35.0M | ||
| Q2 25 | $284.4M | $31.4M | ||
| Q1 25 | $72.8M | $50.4M | ||
| Q4 24 | $193.2M | $27.8M | ||
| Q3 24 | $224.7M | $6.7M | ||
| Q2 24 | $211.6M | $17.8M | ||
| Q1 24 | $67.0M | $10.8M |
| Q4 25 | 34.0% | 13.6% | ||
| Q3 25 | 42.6% | 11.3% | ||
| Q2 25 | 53.0% | 11.2% | ||
| Q1 25 | 14.6% | 18.3% | ||
| Q4 24 | 43.9% | 10.8% | ||
| Q3 24 | 49.5% | 2.9% | ||
| Q2 24 | 47.2% | 9.0% | ||
| Q1 24 | 15.4% | 5.9% |
| Q4 25 | 0.0% | 0.0% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.3% | 0.0% | ||
| Q1 25 | 0.4% | 0.0% | ||
| Q4 24 | 0.2% | 0.0% | ||
| Q3 24 | 0.4% | 0.0% | ||
| Q2 24 | 0.4% | 0.1% | ||
| Q1 24 | 0.9% | 0.1% |
| Q4 25 | 1.10× | 2.18× | ||
| Q3 25 | 1.44× | 1.98× | ||
| Q2 25 | 1.57× | 2.14× | ||
| Q1 25 | 0.46× | 3.65× | ||
| Q4 24 | 1.27× | 2.12× | ||
| Q3 24 | 1.67× | 0.47× | ||
| Q2 24 | 1.69× | 1.93× | ||
| Q1 24 | 0.55× | 1.52× |
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% |
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
