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好事达（ALL）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
好事达的季度营收约是Fair Isaac的33.1倍（$16.9B vs $512.0M），Fair Isaac净利率更高（30.9% vs 14.5%，领先16.4%），Fair Isaac同比增速更快（16.4% vs 3.0%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 3.8%）
好事达集团是面向美国、加拿大市场的综合性保险服务商，提供财产险、意外险及其他保险产品。旗下设好事达保险、保障服务、健康福利、到期财产责任险四大板块，主营私人乘用车险、房屋保险，亦覆盖摩托车、房车、越野车等特种车险及各类个人保险产品。
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。
ALL vs FICO — 直观对比
营收规模更大
ALL
是对方的33.1倍
$512.0M
营收增速更快
FICO
高出13.4%
3.0%
净利率更高
FICO
高出16.4%
14.5%
两年增速更快
FICO
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.9B | $512.0M |
| 净利润 | $2.5B | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | 18.3% | 45.7% |
| 净利率 | 14.5% | 30.9% |
| 营收同比 | 3.0% | 16.4% |
| 净利润同比 | 312.4% | 3.8% |
| 每股收益（稀释后） | $9.25 | $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ALLFICO
| Q1 26 | $16.9B | — | ||
| Q4 25 | $17.3B | $512.0M | ||
| Q3 25 | $17.3B | $515.8M | ||
| Q2 25 | $16.6B | $536.4M | ||
| Q1 25 | $16.5B | $498.7M | ||
| Q4 24 | $16.5B | $440.0M | ||
| Q3 24 | $16.6B | $453.8M | ||
| Q2 24 | $15.7B | $447.8M |
净利润ALLFICO
| Q1 26 | $2.5B | — | ||
| Q4 25 | $3.8B | $158.4M | ||
| Q3 25 | $3.7B | $155.0M | ||
| Q2 25 | $2.1B | $181.8M | ||
| Q1 25 | $595.0M | $162.6M | ||
| Q4 24 | $1.9B | $152.5M | ||
| Q3 24 | $1.2B | $135.7M | ||
| Q2 24 | $331.0M | $126.3M |
毛利率ALLFICO
| 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ALLFICO
| Q1 26 | 18.3% | — | ||
| Q4 25 | — | 45.7% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 49.3% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 43.4% | ||
| Q2 24 | — | 42.5% |
净利率ALLFICO
| Q1 26 | 14.5% | — | ||
| Q4 25 | 22.1% | 30.9% | ||
| Q3 25 | 21.7% | 30.1% | ||
| Q2 25 | 12.7% | 33.9% | ||
| Q1 25 | 3.6% | 32.6% | ||
| Q4 24 | 11.7% | 34.7% | ||
| Q3 24 | 7.2% | 29.9% | ||
| Q2 24 | 2.1% | 28.2% |
每股收益（稀释后）ALLFICO
| Q1 26 | $9.25 | — | ||
| Q4 25 | $14.24 | $6.61 | ||
| Q3 25 | $13.95 | $6.41 | ||
| Q2 25 | $7.76 | $7.40 | ||
| Q1 25 | $2.11 | $6.59 | ||
| Q4 24 | $7.07 | $6.14 | ||
| Q3 24 | $4.33 | $5.44 | ||
| Q2 24 | $1.13 | $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 | — | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $31.6B | $-1.8B |
| 总资产 | $124.0B | $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ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | $4.9B | $162.0M | ||
| Q3 25 | $8.7B | $134.1M | ||
| Q2 25 | $9.6B | $189.0M | ||
| Q1 25 | $6.5B | $146.6M | ||
| Q4 24 | $4.5B | $184.3M | ||
| Q3 24 | $7.0B | $150.7M | ||
| Q2 24 | $5.3B | $156.0M |
总债务ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | $7.5B | $3.2B | ||
| Q3 25 | $8.1B | $3.1B | ||
| Q2 25 | $8.1B | $2.8B | ||
| Q1 25 | $8.1B | $2.5B | ||
| Q4 24 | $8.1B | $2.4B | ||
| Q3 24 | $8.1B | $2.2B | ||
| Q2 24 | $8.1B | $2.1B |
股东权益ALLFICO
| Q1 26 | $31.6B | — | ||
| Q4 25 | $30.6B | $-1.8B | ||
| Q3 25 | $27.5B | $-1.7B | ||
| Q2 25 | $24.0B | $-1.4B | ||
| Q1 25 | $22.1B | $-1.1B | ||
| Q4 24 | $21.4B | $-1.1B | ||
| Q3 24 | $20.9B | $-962.7M | ||
| Q2 24 | $18.6B | $-829.3M |
总资产ALLFICO
| Q1 26 | $124.0B | — | ||
| Q4 25 | $119.8B | $1.9B | ||
| Q3 25 | $120.4B | $1.9B | ||
| Q2 25 | $115.9B | $1.9B | ||
| Q1 25 | $115.2B | $1.8B | ||
| Q4 24 | $111.6B | $1.7B | ||
| Q3 24 | $113.7B | $1.7B | ||
| Q2 24 | $108.4B | $1.7B |
负债/权益比ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.39× | — | ||
| Q2 24 | 0.43× | — |
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 | — | $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 | — | 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ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | $3.0B | $174.1M | ||
| Q3 25 | $3.3B | $223.7M | ||
| Q2 25 | $1.9B | $286.2M | ||
| Q1 25 | $2.0B | $74.9M | ||
| Q4 24 | $1.7B | $194.0M | ||
| Q3 24 | $3.2B | $226.5M | ||
| Q2 24 | $2.4B | $213.3M |
自由现金流ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | $2.9B | $173.9M | ||
| Q3 25 | $3.2B | $219.5M | ||
| Q2 25 | $1.9B | $284.4M | ||
| Q1 25 | $1.9B | $72.8M | ||
| Q4 24 | $1.7B | $193.2M | ||
| Q3 24 | $3.1B | $224.7M | ||
| Q2 24 | $2.3B | $211.6M |
自由现金流率ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | 16.7% | 34.0% | ||
| Q3 25 | 18.8% | 42.6% | ||
| Q2 25 | 11.3% | 53.0% | ||
| Q1 25 | 11.4% | 14.6% | ||
| Q4 24 | 10.0% | 43.9% | ||
| Q3 24 | 18.9% | 49.5% | ||
| Q2 24 | 14.7% | 47.2% |
资本支出强度ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.0% | ||
| Q3 25 | 0.3% | 0.8% | ||
| Q2 25 | 0.0% | 0.3% | ||
| Q1 25 | 0.6% | 0.4% | ||
| Q4 24 | 0.3% | 0.2% | ||
| Q3 24 | 0.4% | 0.4% | ||
| Q2 24 | 0.4% | 0.4% |
现金转化率ALLFICO
| Q1 26 | — | — | ||
| Q4 25 | 0.78× | 1.10× | ||
| Q3 25 | 0.88× | 1.44× | ||
| Q2 25 | 0.89× | 1.57× | ||
| Q1 25 | 3.30× | 0.46× | ||
| Q4 24 | 0.88× | 1.27× | ||
| Q3 24 | 2.69× | 1.67× | ||
| Q2 24 | 7.13× | 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
ALL
| Property and casualty insurance premiums | $15.6B | 92% |
| Other revenue | $719.0M | 4% |
| Other | $533.0M | 3% |
| Accident and health insurance premiums and contract charges | $136.0M | 1% |
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% |
