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Alignment Healthcare, Inc.（ALHC）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Alignment Healthcare, Inc.的季度营收约是Fair Isaac的2.4倍（$1.2B vs $512.0M），Fair Isaac净利率更高（30.9% vs 0.9%，领先30.0%），Fair Isaac同比增速更快（16.4% vs -74.7%），过去两年Alignment Healthcare, Inc.的营收复合增速更高（34.6% vs 8.6%）
Alignment Healthcare是总部位于美国的医疗保健企业，主打联邦医疗保险优势计划，为老年群体提供协调医疗服务、处方药保障及补充福利，采用价值导向医疗模式，与本土医疗机构合作，业务覆盖美国多个州，致力提升患者健康水平。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
ALHC vs FICO — 直观对比
营收规模更大
ALHC
是对方的2.4倍
$512.0M
营收增速更快
FICO
高出91.1%
-74.7%
净利率更高
FICO
高出30.0%
0.9%
两年增速更快
ALHC
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $512.0M |
| 净利润 | $11.4M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 0.9% | 30.9% |
| 营收同比 | -74.7% | 16.4% |
| 净利润同比 | — | 3.8% |
| 每股收益（稀释后） | — | $6.61 |
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ALHCFICO
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.0B | $512.0M | ||
| Q3 25 | $993.7M | $515.8M | ||
| Q2 25 | $1.0B | $536.4M | ||
| Q1 25 | $926.9M | $498.7M | ||
| Q4 24 | $701.2M | $440.0M | ||
| Q3 24 | $692.4M | $453.8M | ||
| Q2 24 | $681.3M | $447.8M |
净利润ALHCFICO
| Q1 26 | $11.4M | — | ||
| Q4 25 | $-11.0M | $158.4M | ||
| Q3 25 | $3.7M | $155.0M | ||
| Q2 25 | $15.7M | $181.8M | ||
| Q1 25 | $-9.1M | $162.6M | ||
| Q4 24 | $-31.1M | $152.5M | ||
| Q3 24 | $-26.4M | $135.7M | ||
| Q2 24 | $-24.0M | $126.3M |
毛利率ALHCFICO
| Q1 26 | — | — | ||
| 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% |
营业利润率ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | -1.0% | 45.7% | ||
| Q3 25 | 0.8% | 46.0% | ||
| Q2 25 | 2.2% | 48.9% | ||
| Q1 25 | -0.6% | 49.3% | ||
| Q4 24 | -3.2% | 40.8% | ||
| Q3 24 | -2.8% | 43.4% | ||
| Q2 24 | -2.7% | 42.5% |
净利率ALHCFICO
| Q1 26 | 0.9% | — | ||
| Q4 25 | -1.1% | 30.9% | ||
| Q3 25 | 0.4% | 30.1% | ||
| Q2 25 | 1.5% | 33.9% | ||
| Q1 25 | -1.0% | 32.6% | ||
| Q4 24 | -4.4% | 34.7% | ||
| Q3 24 | -3.8% | 29.9% | ||
| Q2 24 | -3.5% | 28.2% |
每股收益（稀释后）ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | $-0.04 | $6.61 | ||
| Q3 25 | $0.02 | $6.41 | ||
| Q2 25 | $0.07 | $7.40 | ||
| Q1 25 | $-0.05 | $6.59 | ||
| Q4 24 | $-0.15 | $6.14 | ||
| Q3 24 | $-0.14 | $5.44 | ||
| Q2 24 | $-0.13 | $5.05 |
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 | $705.6M | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $206.9M | $-1.8B |
| 总资产 | $1.3B | $1.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ALHCFICO
| Q1 26 | $705.6M | — | ||
| Q4 25 | $604.2M | $162.0M | ||
| Q3 25 | $644.1M | $134.1M | ||
| Q2 25 | $503.8M | $189.0M | ||
| Q1 25 | $479.5M | $146.6M | ||
| Q4 24 | $470.6M | $184.3M | ||
| Q3 24 | $381.0M | $150.7M | ||
| Q2 24 | $363.7M | $156.0M |
总债务ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | $323.2M | $3.2B | ||
| Q3 25 | $322.7M | $3.1B | ||
| Q2 25 | $322.3M | $2.8B | ||
| Q1 25 | $321.9M | $2.5B | ||
| Q4 24 | $321.4M | $2.4B | ||
| Q3 24 | $212.0M | $2.2B | ||
| Q2 24 | $211.7M | $2.1B |
股东权益ALHCFICO
| Q1 26 | $206.9M | — | ||
| Q4 25 | $179.3M | $-1.8B | ||
| Q3 25 | $161.9M | $-1.7B | ||
| Q2 25 | $141.0M | $-1.4B | ||
| Q1 25 | $108.1M | $-1.1B | ||
| Q4 24 | $99.9M | $-1.1B | ||
| Q3 24 | $114.5M | $-962.7M | ||
| Q2 24 | $123.7M | $-829.3M |
总资产ALHCFICO
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.1B | $1.9B | ||
| Q3 25 | $1.1B | $1.9B | ||
| Q2 25 | $1.0B | $1.9B | ||
| Q1 25 | $895.6M | $1.8B | ||
| Q4 24 | $782.1M | $1.7B | ||
| Q3 24 | $692.3M | $1.7B | ||
| Q2 24 | $716.3M | $1.7B |
负债/权益比ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | 1.80× | — | ||
| Q3 25 | 1.99× | — | ||
| Q2 25 | 2.29× | — | ||
| Q1 25 | 2.98× | — | ||
| Q4 24 | 3.22× | — | ||
| Q3 24 | 1.85× | — | ||
| Q2 24 | 1.71× | — |
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 | $128.7M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | 11.27× | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流ALHCFICO
| Q1 26 | $128.7M | — | ||
| Q4 25 | $-50.4M | $174.1M | ||
| Q3 25 | $144.6M | $223.7M | ||
| Q2 25 | $29.1M | $286.2M | ||
| Q1 25 | $16.6M | $74.9M | ||
| Q4 24 | $-8.7M | $194.0M | ||
| Q3 24 | $26.2M | $226.5M | ||
| Q2 24 | $23.5M | $213.3M |
自由现金流ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | $-55.4M | $173.9M | ||
| Q3 25 | $139.1M | $219.5M | ||
| Q2 25 | $21.1M | $284.4M | ||
| Q1 25 | $8.4M | $72.8M | ||
| Q4 24 | $-18.0M | $193.2M | ||
| Q3 24 | $16.9M | $224.7M | ||
| Q2 24 | $11.8M | $211.6M |
自由现金流率ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | -5.5% | 34.0% | ||
| Q3 25 | 14.0% | 42.6% | ||
| Q2 25 | 2.1% | 53.0% | ||
| Q1 25 | 0.9% | 14.6% | ||
| Q4 24 | -2.6% | 43.9% | ||
| Q3 24 | 2.4% | 49.5% | ||
| Q2 24 | 1.7% | 47.2% |
资本支出强度ALHCFICO
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.0% | ||
| Q3 25 | 0.6% | 0.8% | ||
| Q2 25 | 0.8% | 0.3% | ||
| Q1 25 | 0.9% | 0.4% | ||
| Q4 24 | 1.3% | 0.2% | ||
| Q3 24 | 1.3% | 0.4% | ||
| Q2 24 | 1.7% | 0.4% |
现金转化率ALHCFICO
| Q1 26 | 11.27× | — | ||
| Q4 25 | — | 1.10× | ||
| Q3 25 | 38.77× | 1.44× | ||
| Q2 25 | 1.86× | 1.57× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 1.69× |
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
ALHC
暂无分部数据
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% |
