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CRACKER BARREL OLD COUNTRY STORE, INC（CBRL）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
CRACKER BARREL OLD COUNTRY STORE, INC的季度营收约是Fair Isaac的1.6倍（$797.2M vs $512.0M），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 -10.9%），Fair Isaac自由现金流更多（$173.9M vs $-88.9M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -2.4%）
Cracker Barrel是源自美国南方乡村风格的连锁餐厅与礼品店品牌，1969年由丹·埃文斯与汤米·洛创立，总部位于田纳西州黎巴嫩。品牌最初门店多开设在美国东南部和中西部的高速公路出口附近，于上世纪90年代至21世纪初逐步扩张至全美各地。
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。
CBRL vs FICO — 直观对比
营收规模更大
CBRL
是对方的1.6倍
$512.0M
营收增速更快
FICO
高出27.2%
-10.9%
净利率更高
FICO
高出34.0%
-3.1%
自由现金流更多
FICO
多$262.8M
$-88.9M
两年增速更快
FICO
近两年复合增速
-2.4%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $797.2M | $512.0M |
| 净利润 | $-24.6M | $158.4M |
| 毛利率 | 68.8% | 83.0% |
| 营业利润率 | -4.1% | 45.7% |
| 净利率 | -3.1% | 30.9% |
| 营收同比 | -10.9% | 16.4% |
| 净利润同比 | -235.7% | 3.8% |
| 每股收益（稀释后） | $-1.10 | $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CBRLFICO
| Q4 25 | $797.2M | $512.0M | ||
| Q3 25 | — | $515.8M | ||
| Q2 25 | $821.1M | $536.4M | ||
| Q1 25 | $949.4M | $498.7M | ||
| Q4 24 | — | $440.0M | ||
| Q3 24 | $894.4M | $453.8M | ||
| Q2 24 | $817.1M | $447.8M | ||
| Q1 24 | $935.4M | $433.8M |
净利润CBRLFICO
| Q4 25 | $-24.6M | $158.4M | ||
| Q3 25 | — | $155.0M | ||
| Q2 25 | $12.6M | $181.8M | ||
| Q1 25 | $22.2M | $162.6M | ||
| Q4 24 | — | $152.5M | ||
| Q3 24 | $18.1M | $135.7M | ||
| Q2 24 | $-9.2M | $126.3M | ||
| Q1 24 | $26.5M | $129.8M |
毛利率CBRLFICO
| Q4 25 | 68.8% | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | 69.9% | 83.7% | ||
| Q1 25 | 67.4% | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | 69.6% | 80.3% | ||
| Q2 24 | 70.0% | 80.3% | ||
| Q1 24 | 66.3% | 80.0% |
营业利润率CBRLFICO
| Q4 25 | -4.1% | 45.7% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | 1.8% | 48.9% | ||
| Q1 25 | 3.1% | 49.3% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | 2.5% | 43.4% | ||
| Q2 24 | -2.4% | 42.5% | ||
| Q1 24 | 3.3% | 44.9% |
净利率CBRLFICO
| Q4 25 | -3.1% | 30.9% | ||
| Q3 25 | — | 30.1% | ||
| Q2 25 | 1.5% | 33.9% | ||
| Q1 25 | 2.3% | 32.6% | ||
| Q4 24 | — | 34.7% | ||
| Q3 24 | 2.0% | 29.9% | ||
| Q2 24 | -1.1% | 28.2% | ||
| Q1 24 | 2.8% | 29.9% |
每股收益（稀释后）CBRLFICO
| Q4 25 | $-1.10 | $6.61 | ||
| Q3 25 | — | $6.41 | ||
| Q2 25 | $0.56 | $7.40 | ||
| Q1 25 | $0.99 | $6.59 | ||
| Q4 24 | — | $6.14 | ||
| Q3 24 | $0.80 | $5.44 | ||
| Q2 24 | $-0.41 | $5.05 | ||
| Q1 24 | $1.19 | $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 | $8.9M | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $428.8M | $-1.8B |
| 总资产 | $2.2B | $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CBRLFICO
| Q4 25 | $8.9M | $162.0M | ||
| Q3 25 | — | $134.1M | ||
| Q2 25 | $9.8M | $189.0M | ||
| Q1 25 | $10.3M | $146.6M | ||
| Q4 24 | — | $184.3M | ||
| Q3 24 | $12.0M | $150.7M | ||
| Q2 24 | $11.9M | $156.0M | ||
| Q1 24 | $12.6M | $135.7M |
总债务CBRLFICO
| 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 |
股东权益CBRLFICO
| Q4 25 | $428.8M | $-1.8B | ||
| Q3 25 | — | $-1.7B | ||
| Q2 25 | $469.3M | $-1.4B | ||
| Q1 25 | $460.9M | $-1.1B | ||
| Q4 24 | — | $-1.1B | ||
| Q3 24 | $440.1M | $-962.7M | ||
| Q2 24 | $426.6M | $-829.3M | ||
| Q1 24 | $462.0M | $-735.7M |
总资产CBRLFICO
| Q4 25 | $2.2B | $1.9B | ||
| Q3 25 | — | $1.9B | ||
| Q2 25 | $2.1B | $1.9B | ||
| Q1 25 | $2.1B | $1.8B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | $2.2B | $1.7B | ||
| Q2 24 | $2.2B | $1.7B | ||
| Q1 24 | $2.2B | $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 | $-53.4M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | $-88.9M | $173.9M |
| 自由现金流率自由现金流/营收 | -11.2% | 34.0% |
| 资本支出强度资本支出/营收 | 4.5% | 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CBRLFICO
| Q4 25 | $-53.4M | $174.1M | ||
| Q3 25 | — | $223.7M | ||
| Q2 25 | $23.0M | $286.2M | ||
| Q1 25 | — | $74.9M | ||
| Q4 24 | — | $194.0M | ||
| Q3 24 | $69.5M | $226.5M | ||
| Q2 24 | $37.6M | $213.3M | ||
| Q1 24 | $77.7M | $71.0M |
自由现金流CBRLFICO
| Q4 25 | $-88.9M | $173.9M | ||
| Q3 25 | — | $219.5M | ||
| Q2 25 | $-13.6M | $284.4M | ||
| Q1 25 | — | $72.8M | ||
| Q4 24 | — | $193.2M | ||
| Q3 24 | $22.1M | $224.7M | ||
| Q2 24 | $8.2M | $211.6M | ||
| Q1 24 | $50.9M | $67.0M |
自由现金流率CBRLFICO
| Q4 25 | -11.2% | 34.0% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | -1.7% | 53.0% | ||
| Q1 25 | — | 14.6% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | 2.5% | 49.5% | ||
| Q2 24 | 1.0% | 47.2% | ||
| Q1 24 | 5.4% | 15.4% |
资本支出强度CBRLFICO
| Q4 25 | 4.5% | 0.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | 4.5% | 0.3% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | 5.3% | 0.4% | ||
| Q2 24 | 3.6% | 0.4% | ||
| Q1 24 | 2.9% | 0.9% |
现金转化率CBRLFICO
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | 1.83× | 1.57× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 3.83× | 1.67× | ||
| Q2 24 | — | 1.69× | ||
| Q1 24 | 2.93× | 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
CBRL
| Restaurant | $650.6M | 82% |
| Retail | $146.6M | 18% |
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% |
