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亚什兰（ASH）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是亚什兰的1.3倍（$512.0M vs $386.0M），Fair Isaac净利率更高（30.9% vs -3.1%，领先34.0%），Fair Isaac同比增速更快（16.4% vs -4.7%），Fair Isaac自由现金流更多（$173.9M vs $111.0M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -18.1%）
亚什兰是一家总部位于美国特拉华州威尔明顿的化工企业，1924年始创于肯塔基州亚什兰市，最初以炼油业务起家，1994年迁至现总部。公司拥有多个业务板块，覆盖化工中间体与溶剂、复合材料、工业特种化学品、个人及家居护理、制药、食品饮料以及农业相关领域，2017年之前曾是胜牌润滑油的主要生产商。
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。
ASH vs FICO — 直观对比
营收规模更大
FICO
是对方的1.3倍
$386.0M
营收增速更快
FICO
高出21.1%
-4.7%
净利率更高
FICO
高出34.0%
-3.1%
自由现金流更多
FICO
多$62.9M
$111.0M
两年增速更快
FICO
近两年复合增速
-18.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $386.0M | $512.0M |
| 净利润 | $-12.0M | $158.4M |
| 毛利率 | 27.2% | 83.0% |
| 营业利润率 | -1.6% | 45.7% |
| 净利率 | -3.1% | 30.9% |
| 营收同比 | -4.7% | 16.4% |
| 净利润同比 | 92.7% | 3.8% |
| 每股收益（稀释后） | $-0.26 | $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ASHFICO
| Q4 25 | $386.0M | $512.0M | ||
| Q3 25 | $477.0M | $515.8M | ||
| Q2 25 | $463.0M | $536.4M | ||
| Q1 25 | $479.0M | $498.7M | ||
| Q4 24 | $405.0M | $440.0M | ||
| Q3 24 | $521.0M | $453.8M | ||
| Q2 24 | $544.0M | $447.8M | ||
| Q1 24 | $575.0M | $433.8M |
净利润ASHFICO
| Q4 25 | $-12.0M | $158.4M | ||
| Q3 25 | $31.0M | $155.0M | ||
| Q2 25 | $-742.0M | $181.8M | ||
| Q1 25 | $31.0M | $162.6M | ||
| Q4 24 | $-165.0M | $152.5M | ||
| Q3 24 | $17.0M | $135.7M | ||
| Q2 24 | $6.0M | $126.3M | ||
| Q1 24 | $120.0M | $129.8M |
毛利率ASHFICO
| Q4 25 | 27.2% | 83.0% | ||
| Q3 25 | 33.3% | 82.3% | ||
| Q2 25 | 28.5% | 83.7% | ||
| Q1 25 | 30.7% | 82.4% | ||
| Q4 24 | 27.4% | 80.1% | ||
| Q3 24 | 33.2% | 80.3% | ||
| Q2 24 | 34.2% | 80.3% | ||
| Q1 24 | 28.0% | 80.0% |
营业利润率ASHFICO
| Q4 25 | -1.6% | 45.7% | ||
| Q3 25 | 12.8% | 46.0% | ||
| Q2 25 | -152.9% | 48.9% | ||
| Q1 25 | 10.6% | 49.3% | ||
| Q4 24 | -44.2% | 40.8% | ||
| Q3 24 | 6.1% | 43.4% | ||
| Q2 24 | -11.2% | 42.5% | ||
| Q1 24 | 3.7% | 44.9% |
净利率ASHFICO
| Q4 25 | -3.1% | 30.9% | ||
| Q3 25 | 6.5% | 30.1% | ||
| Q2 25 | -160.3% | 33.9% | ||
| Q1 25 | 6.5% | 32.6% | ||
| Q4 24 | -40.7% | 34.7% | ||
| Q3 24 | 3.3% | 29.9% | ||
| Q2 24 | 1.1% | 28.2% | ||
| Q1 24 | 20.9% | 29.9% |
每股收益（稀释后）ASHFICO
| Q4 25 | $-0.26 | $6.61 | ||
| Q3 25 | $0.83 | $6.41 | ||
| Q2 25 | $-16.21 | $7.40 | ||
| Q1 25 | $0.65 | $6.59 | ||
| Q4 24 | $-3.50 | $6.14 | ||
| Q3 24 | $0.34 | $5.44 | ||
| Q2 24 | $0.12 | $5.05 | ||
| Q1 24 | $2.39 | $5.16 |
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 | $304.0M | $162.0M |
| 总债务越低越好 | $1.4B | $3.2B |
| 股东权益账面价值 | $1.9B | $-1.8B |
| 总资产 | $4.5B | $1.9B |
| 负债/权益比越低杠杆越低 | 0.74× | — |
8季度趋势，按日历期对齐
现金及短期投资ASHFICO
| Q4 25 | $304.0M | $162.0M | ||
| Q3 25 | $215.0M | $134.1M | ||
| Q2 25 | $207.0M | $189.0M | ||
| Q1 25 | $168.0M | $146.6M | ||
| Q4 24 | $219.0M | $184.3M | ||
| Q3 24 | $300.0M | $150.7M | ||
| Q2 24 | $399.0M | $156.0M | ||
| Q1 24 | $439.0M | $135.7M |
总债务ASHFICO
| Q4 25 | $1.4B | $3.2B | ||
| Q3 25 | $1.4B | $3.1B | ||
| Q2 25 | $1.4B | $2.8B | ||
| Q1 25 | $1.3B | $2.5B | ||
| Q4 24 | $1.3B | $2.4B | ||
| Q3 24 | $1.3B | $2.2B | ||
| Q2 24 | $1.3B | $2.1B | ||
| Q1 24 | $1.3B | $2.0B |
股东权益ASHFICO
| Q4 25 | $1.9B | $-1.8B | ||
| Q3 25 | $1.9B | $-1.7B | ||
| Q2 25 | $1.9B | $-1.4B | ||
| Q1 25 | $2.6B | $-1.1B | ||
| Q4 24 | $2.6B | $-1.1B | ||
| Q3 24 | $2.9B | $-962.7M | ||
| Q2 24 | $3.0B | $-829.3M | ||
| Q1 24 | $3.1B | $-735.7M |
总资产ASHFICO
| Q4 25 | $4.5B | $1.9B | ||
| Q3 25 | $4.6B | $1.9B | ||
| Q2 25 | $4.6B | $1.9B | ||
| Q1 25 | $5.2B | $1.8B | ||
| Q4 24 | $5.2B | $1.7B | ||
| Q3 24 | $5.6B | $1.7B | ||
| Q2 24 | $5.7B | $1.7B | ||
| Q1 24 | $5.9B | $1.7B |
负债/权益比ASHFICO
| Q4 25 | 0.74× | — | ||
| Q3 25 | 0.73× | — | ||
| Q2 25 | 0.73× | — | ||
| Q1 25 | 0.52× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.45× | — | ||
| Q1 24 | 0.42× | — |
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 | $125.0M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | $111.0M | $173.9M |
| 自由现金流率自由现金流/营收 | 28.8% | 34.0% |
| 资本支出强度资本支出/营收 | 3.6% | 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 | $200.0M | $750.6M |
8季度趋势，按日历期对齐
经营现金流ASHFICO
| Q4 25 | $125.0M | $174.1M | ||
| Q3 25 | $40.0M | $223.7M | ||
| Q2 25 | $115.0M | $286.2M | ||
| Q1 25 | $9.0M | $74.9M | ||
| Q4 24 | $-30.0M | $194.0M | ||
| Q3 24 | $80.0M | $226.5M | ||
| Q2 24 | $127.0M | $213.3M | ||
| Q1 24 | $54.0M | $71.0M |
自由现金流ASHFICO
| Q4 25 | $111.0M | $173.9M | ||
| Q3 25 | $6.0M | $219.5M | ||
| Q2 25 | $95.0M | $284.4M | ||
| Q1 25 | $-12.0M | $72.8M | ||
| Q4 24 | $-53.0M | $193.2M | ||
| Q3 24 | $42.0M | $224.7M | ||
| Q2 24 | $98.0M | $211.6M | ||
| Q1 24 | $20.0M | $67.0M |
自由现金流率ASHFICO
| Q4 25 | 28.8% | 34.0% | ||
| Q3 25 | 1.3% | 42.6% | ||
| Q2 25 | 20.5% | 53.0% | ||
| Q1 25 | -2.5% | 14.6% | ||
| Q4 24 | -13.1% | 43.9% | ||
| Q3 24 | 8.1% | 49.5% | ||
| Q2 24 | 18.0% | 47.2% | ||
| Q1 24 | 3.5% | 15.4% |
资本支出强度ASHFICO
| Q4 25 | 3.6% | 0.0% | ||
| Q3 25 | 7.1% | 0.8% | ||
| Q2 25 | 4.3% | 0.3% | ||
| Q1 25 | 4.4% | 0.4% | ||
| Q4 24 | 5.7% | 0.2% | ||
| Q3 24 | 7.3% | 0.4% | ||
| Q2 24 | 5.3% | 0.4% | ||
| Q1 24 | 5.9% | 0.9% |
现金转化率ASHFICO
| Q4 25 | — | 1.10× | ||
| Q3 25 | 1.29× | 1.44× | ||
| Q2 25 | — | 1.57× | ||
| Q1 25 | 0.29× | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 4.71× | 1.67× | ||
| Q2 24 | 21.17× | 1.69× | ||
| Q1 24 | 0.45× | 0.55× |
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
ASH
| Personal Care And Household | $123.0M | 32% |
| Other | $120.0M | 31% |
| Specialty Additives | $36.0M | 9% |
| Intermediates And Solvents | $31.0M | 8% |
| Personal Care | $30.0M | 8% |
| Life Sciences | $27.0M | 7% |
| Intermediates | $19.0M | 5% |
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% |
