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Custom Truck One Source, Inc.（CTOS）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Custom Truck One Source, Inc.的1.2倍（$512.0M vs $422.2M），Fair Isaac净利率更高（30.9% vs -4.2%，领先35.1%），Fair Isaac同比增速更快（16.4% vs -8.5%），过去两年Custom Truck One Source, Inc.的营收复合增速更高（14.8% vs 8.6%）
Custom Truck One Source是北美领先的专用重型卡车及设备解决方案提供商，业务覆盖定制车辆制造、设备销售与租赁、售后配件供应及维保服务，主要服务基建、公用事业、建筑、能源等核心领域。
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。
CTOS vs FICO — 直观对比
营收规模更大
FICO
是对方的1.2倍
$422.2M
营收增速更快
FICO
高出24.9%
-8.5%
净利率更高
FICO
高出35.1%
-4.2%
两年增速更快
CTOS
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $422.2M | $512.0M |
| 净利润 | $-17.8M | $158.4M |
| 毛利率 | 20.3% | 83.0% |
| 营业利润率 | 2.9% | 45.7% |
| 净利率 | -4.2% | 30.9% |
| 营收同比 | -8.5% | 16.4% |
| 净利润同比 | -333.7% | 3.8% |
| 每股收益（稀释后） | $-0.08 | $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CTOSFICO
| Q1 26 | $422.2M | — | ||
| Q4 25 | $387.3M | $512.0M | ||
| Q3 25 | $359.9M | $515.8M | ||
| Q2 25 | $392.2M | $536.4M | ||
| Q1 25 | $307.1M | $498.7M | ||
| Q4 24 | $398.3M | $440.0M | ||
| Q3 24 | $337.5M | $453.8M | ||
| Q2 24 | $320.6M | $447.8M |
净利润CTOSFICO
| Q1 26 | $-17.8M | — | ||
| Q4 25 | $20.9M | $158.4M | ||
| Q3 25 | $-5.8M | $155.0M | ||
| Q2 25 | $-28.4M | $181.8M | ||
| Q1 25 | $-17.8M | $162.6M | ||
| Q4 24 | $27.6M | $152.5M | ||
| Q3 24 | $-17.4M | $135.7M | ||
| Q2 24 | $-24.5M | $126.3M |
毛利率CTOSFICO
| Q1 26 | 20.3% | — | ||
| Q4 25 | 31.8% | 83.0% | ||
| Q3 25 | 28.0% | 82.3% | ||
| Q2 25 | 26.1% | 83.7% | ||
| Q1 25 | 27.9% | 82.4% | ||
| Q4 24 | 29.7% | 80.1% | ||
| Q3 24 | 27.2% | 80.3% | ||
| Q2 24 | 27.8% | 80.3% |
营业利润率CTOSFICO
| Q1 26 | 2.9% | — | ||
| Q4 25 | 13.4% | 45.7% | ||
| Q3 25 | 9.1% | 46.0% | ||
| Q2 25 | 7.1% | 48.9% | ||
| Q1 25 | 4.0% | 49.3% | ||
| Q4 24 | 16.9% | 40.8% | ||
| Q3 24 | 6.8% | 43.4% | ||
| Q2 24 | 5.5% | 42.5% |
净利率CTOSFICO
| Q1 26 | -4.2% | — | ||
| Q4 25 | 5.4% | 30.9% | ||
| Q3 25 | -1.6% | 30.1% | ||
| Q2 25 | -7.2% | 33.9% | ||
| Q1 25 | -5.8% | 32.6% | ||
| Q4 24 | 6.9% | 34.7% | ||
| Q3 24 | -5.2% | 29.9% | ||
| Q2 24 | -7.6% | 28.2% |
每股收益（稀释后）CTOSFICO
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $0.10 | $6.61 | ||
| Q3 25 | $-0.03 | $6.41 | ||
| Q2 25 | $-0.13 | $7.40 | ||
| Q1 25 | $-0.08 | $6.59 | ||
| Q4 24 | $0.11 | $6.14 | ||
| Q3 24 | $-0.07 | $5.44 | ||
| Q2 24 | $-0.10 | $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 | $6.3M | $162.0M |
| 总债务越低越好 | $25.9M | $3.2B |
| 股东权益账面价值 | $809.1M | $-1.8B |
| 总资产 | $3.4B | $1.9B |
| 负债/权益比越低杠杆越低 | 0.03× | — |
8季度趋势，按日历期对齐
现金及短期投资CTOSFICO
| Q1 26 | $6.3M | — | ||
| Q4 25 | $6.3M | $162.0M | ||
| Q3 25 | $13.1M | $134.1M | ||
| Q2 25 | $5.3M | $189.0M | ||
| Q1 25 | $5.4M | $146.6M | ||
| Q4 24 | $3.8M | $184.3M | ||
| Q3 24 | $8.4M | $150.7M | ||
| Q2 24 | $8.1M | $156.0M |
总债务CTOSFICO
| Q1 26 | $25.9M | — | ||
| Q4 25 | $1.6B | $3.2B | ||
| Q3 25 | $1.6B | $3.1B | ||
| Q2 25 | $1.6B | $2.8B | ||
| Q1 25 | $1.6B | $2.5B | ||
| Q4 24 | $1.5B | $2.4B | ||
| Q3 24 | $1.6B | $2.2B | ||
| Q2 24 | $1.5B | $2.1B |
股东权益CTOSFICO
| Q1 26 | $809.1M | — | ||
| Q4 25 | $809.1M | $-1.8B | ||
| Q3 25 | $784.7M | $-1.7B | ||
| Q2 25 | $790.1M | $-1.4B | ||
| Q1 25 | $813.4M | $-1.1B | ||
| Q4 24 | $861.3M | $-1.1B | ||
| Q3 24 | $837.5M | $-962.7M | ||
| Q2 24 | $856.7M | $-829.3M |
总资产CTOSFICO
| Q1 26 | $3.4B | — | ||
| Q4 25 | $3.4B | $1.9B | ||
| Q3 25 | $3.5B | $1.9B | ||
| Q2 25 | $3.6B | $1.9B | ||
| Q1 25 | $3.5B | $1.8B | ||
| Q4 24 | $3.5B | $1.7B | ||
| Q3 24 | $3.6B | $1.7B | ||
| Q2 24 | $3.5B | $1.7B |
负债/权益比CTOSFICO
| Q1 26 | 0.03× | — | ||
| Q4 25 | 2.03× | — | ||
| Q3 25 | 2.10× | — | ||
| Q2 25 | 2.04× | — | ||
| Q1 25 | 1.97× | — | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.79× | — |
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CTOSFICO
| Q1 26 | — | — | ||
| Q4 25 | $47.3M | $174.1M | ||
| Q3 25 | $81.5M | $223.7M | ||
| Q2 25 | $125.7M | $286.2M | ||
| Q1 25 | $55.6M | $74.9M | ||
| Q4 24 | $82.1M | $194.0M | ||
| Q3 24 | $16.5M | $226.5M | ||
| Q2 24 | $37.8M | $213.3M |
自由现金流CTOSFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $173.9M | ||
| Q3 25 | — | $219.5M | ||
| Q2 25 | — | $284.4M | ||
| Q1 25 | — | $72.8M | ||
| Q4 24 | — | $193.2M | ||
| Q3 24 | — | $224.7M | ||
| Q2 24 | — | $211.6M |
自由现金流率CTOSFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 53.0% | ||
| Q1 25 | — | 14.6% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | — | 49.5% | ||
| Q2 24 | — | 47.2% |
资本支出强度CTOSFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% |
现金转化率CTOSFICO
| Q1 26 | — | — | ||
| Q4 25 | 2.27× | 1.10× | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | — | 1.57× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | 2.98× | 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
CTOS
| Equipment sales | $273.9M | 65% |
| Rental revenue | $116.3M | 28% |
| Parts sales and services | $32.1M | 8% |
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% |
