vs
CrossAmerica Partners LP（CAPL）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
CrossAmerica Partners LP的季度营收约是Fair Isaac的1.7倍（$866.3M vs $512.0M），Fair Isaac净利率更高（30.9% vs 1.2%，领先29.8%），Fair Isaac同比增速更快（16.4% vs -8.3%），Fair Isaac自由现金流更多（$173.9M vs $22.4M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -4.1%）
塔峰资本合伙人（TowerBrook Capital Partners）是一家总部位于伦敦和纽约的投资管理公司，2005年从索罗斯基金管理分拆独立。该机构主打私募股权及结构性机会投资，曾收购奢侈品品牌Jimmy Choo控股权，截至2025年其管理规模超250亿美元，官网公示在管投资项目共110个。
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。
CAPL vs FICO — 直观对比
营收规模更大
CAPL
是对方的1.7倍
$512.0M
营收增速更快
FICO
高出24.6%
-8.3%
净利率更高
FICO
高出29.8%
1.2%
自由现金流更多
FICO
多$151.5M
$22.4M
两年增速更快
FICO
近两年复合增速
-4.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $866.3M | $512.0M |
| 净利润 | $10.2M | $158.4M |
| 毛利率 | 12.4% | 83.0% |
| 营业利润率 | 3.0% | 45.7% |
| 净利率 | 1.2% | 30.9% |
| 营收同比 | -8.3% | 16.4% |
| 净利润同比 | -39.6% | 3.8% |
| 每股收益（稀释后） | $0.24 | $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CAPLFICO
| Q4 25 | $866.3M | $512.0M | ||
| Q3 25 | $971.8M | $515.8M | ||
| Q2 25 | $961.9M | $536.4M | ||
| Q1 25 | $862.5M | $498.7M | ||
| Q4 24 | $944.2M | $440.0M | ||
| Q3 24 | $1.1B | $453.8M | ||
| Q2 24 | $1.1B | $447.8M | ||
| Q1 24 | $941.5M | $433.8M |
净利润CAPLFICO
| Q4 25 | $10.2M | $158.4M | ||
| Q3 25 | $13.6M | $155.0M | ||
| Q2 25 | $25.2M | $181.8M | ||
| Q1 25 | $-7.1M | $162.6M | ||
| Q4 24 | $16.9M | $152.5M | ||
| Q3 24 | $10.7M | $135.7M | ||
| Q2 24 | $12.4M | $126.3M | ||
| Q1 24 | $-17.5M | $129.8M |
毛利率CAPLFICO
| Q4 25 | 12.4% | 83.0% | ||
| Q3 25 | 10.8% | 82.3% | ||
| Q2 25 | 10.5% | 83.7% | ||
| Q1 25 | 10.4% | 82.4% | ||
| Q4 24 | 10.7% | 80.1% | ||
| Q3 24 | 10.3% | 80.3% | ||
| Q2 24 | 9.2% | 80.3% | ||
| Q1 24 | 8.6% | 80.0% |
营业利润率CAPLFICO
| Q4 25 | 3.0% | 45.7% | ||
| Q3 25 | 2.9% | 46.0% | ||
| Q2 25 | 4.3% | 48.9% | ||
| Q1 25 | 0.2% | 49.3% | ||
| Q4 24 | 3.0% | 40.8% | ||
| Q3 24 | 2.5% | 43.4% | ||
| Q2 24 | 2.5% | 42.5% | ||
| Q1 24 | -1.4% | 44.9% |
净利率CAPLFICO
| Q4 25 | 1.2% | 30.9% | ||
| Q3 25 | 1.4% | 30.1% | ||
| Q2 25 | 2.6% | 33.9% | ||
| Q1 25 | -0.8% | 32.6% | ||
| Q4 24 | 1.8% | 34.7% | ||
| Q3 24 | 1.0% | 29.9% | ||
| Q2 24 | 1.1% | 28.2% | ||
| Q1 24 | -1.9% | 29.9% |
每股收益（稀释后）CAPLFICO
| Q4 25 | $0.24 | $6.61 | ||
| Q3 25 | $0.34 | $6.41 | ||
| Q2 25 | $0.64 | $7.40 | ||
| Q1 25 | $-0.20 | $6.59 | ||
| Q4 24 | $0.42 | $6.14 | ||
| Q3 24 | $0.27 | $5.44 | ||
| Q2 24 | $0.31 | $5.05 | ||
| Q1 24 | $-0.48 | $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 | $3.1M | $162.0M |
| 总债务越低越好 | $687.2M | $3.2B |
| 股东权益账面价值 | — | $-1.8B |
| 总资产 | $964.7M | $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CAPLFICO
| Q4 25 | $3.1M | $162.0M | ||
| Q3 25 | $5.8M | $134.1M | ||
| Q2 25 | $9.7M | $189.0M | ||
| Q1 25 | $6.7M | $146.6M | ||
| Q4 24 | $3.4M | $184.3M | ||
| Q3 24 | $7.8M | $150.7M | ||
| Q2 24 | $5.5M | $156.0M | ||
| Q1 24 | $6.3M | $135.7M |
总债务CAPLFICO
| Q4 25 | $687.2M | $3.2B | ||
| Q3 25 | $700.8M | $3.1B | ||
| Q2 25 | $722.7M | $2.8B | ||
| Q1 25 | $774.1M | $2.5B | ||
| Q4 24 | $763.9M | $2.4B | ||
| Q3 24 | $769.2M | $2.2B | ||
| Q2 24 | $786.7M | $2.1B | ||
| Q1 24 | $795.8M | $2.0B |
股东权益CAPLFICO
| Q4 25 | — | $-1.8B | ||
| Q3 25 | — | $-1.7B | ||
| Q2 25 | — | $-1.4B | ||
| Q1 25 | — | $-1.1B | ||
| Q4 24 | — | $-1.1B | ||
| Q3 24 | — | $-962.7M | ||
| Q2 24 | — | $-829.3M | ||
| Q1 24 | — | $-735.7M |
总资产CAPLFICO
| Q4 25 | $964.7M | $1.9B | ||
| Q3 25 | $998.9M | $1.9B | ||
| Q2 25 | $1.0B | $1.9B | ||
| Q1 25 | $1.1B | $1.8B | ||
| Q4 24 | $1.1B | $1.7B | ||
| Q3 24 | $1.1B | $1.7B | ||
| Q2 24 | $1.2B | $1.7B | ||
| Q1 24 | $1.2B | $1.7B |
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 | $29.4M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | $22.4M | $173.9M |
| 自由现金流率自由现金流/营收 | 2.6% | 34.0% |
| 资本支出强度资本支出/营收 | 0.8% | 0.0% |
| 现金转化率经营现金流/净利润 | 2.89× | 1.10× |
| 过去12个月自由现金流最近4个季度 | $55.8M | $750.6M |
8季度趋势，按日历期对齐
经营现金流CAPLFICO
| Q4 25 | $29.4M | $174.1M | ||
| Q3 25 | $24.4M | $223.7M | ||
| Q2 25 | $22.6M | $286.2M | ||
| Q1 25 | $15.0M | $74.9M | ||
| Q4 24 | $11.1M | $194.0M | ||
| Q3 24 | $41.9M | $226.5M | ||
| Q2 24 | $28.9M | $213.3M | ||
| Q1 24 | $5.8M | $71.0M |
自由现金流CAPLFICO
| Q4 25 | $22.4M | $173.9M | ||
| Q3 25 | $17.7M | $219.5M | ||
| Q2 25 | $10.8M | $284.4M | ||
| Q1 25 | $4.9M | $72.8M | ||
| Q4 24 | $3.9M | $193.2M | ||
| Q3 24 | $34.2M | $224.7M | ||
| Q2 24 | $23.6M | $211.6M | ||
| Q1 24 | $-289.0K | $67.0M |
自由现金流率CAPLFICO
| Q4 25 | 2.6% | 34.0% | ||
| Q3 25 | 1.8% | 42.6% | ||
| Q2 25 | 1.1% | 53.0% | ||
| Q1 25 | 0.6% | 14.6% | ||
| Q4 24 | 0.4% | 43.9% | ||
| Q3 24 | 3.2% | 49.5% | ||
| Q2 24 | 2.1% | 47.2% | ||
| Q1 24 | -0.0% | 15.4% |
资本支出强度CAPLFICO
| Q4 25 | 0.8% | 0.0% | ||
| Q3 25 | 0.7% | 0.8% | ||
| Q2 25 | 1.2% | 0.3% | ||
| Q1 25 | 1.2% | 0.4% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.7% | 0.4% | ||
| Q2 24 | 0.5% | 0.4% | ||
| Q1 24 | 0.6% | 0.9% |
现金转化率CAPLFICO
| Q4 25 | 2.89× | 1.10× | ||
| Q3 25 | 1.79× | 1.44× | ||
| Q2 25 | 0.90× | 1.57× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | 0.66× | 1.27× | ||
| Q3 24 | 3.92× | 1.67× | ||
| Q2 24 | 2.33× | 1.69× | ||
| Q1 24 | — | 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
CAPL
| Retail Segment | $505.3M | 58% |
| Wholesale | $360.9M | 42% |
| Other | $1.2M | 0% |
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% |
