vs
Dayforce（DAY）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Dayforce的1.1倍（$512.0M vs $481.6M），Fair Isaac净利率更高（30.9% vs -40.9%，领先71.8%），Fair Isaac同比增速更快（16.4% vs 9.5%），过去两年Dayforce的营收复合增速更高（9.8% vs 8.6%）
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
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。
DAY vs FICO — 直观对比
营收规模更大
FICO
是对方的1.1倍
$481.6M
营收增速更快
FICO
高出6.9%
9.5%
净利率更高
FICO
高出71.8%
-40.9%
两年增速更快
DAY
近两年复合增速
8.6%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $512.0M |
| 净利润 | $-196.8M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | 6.3% | 45.7% |
| 净利率 | -40.9% | 30.9% |
| 营收同比 | 9.5% | 16.4% |
| 净利润同比 | -9940.0% | 3.8% |
| 每股收益（稀释后） | $-1.23 | $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DAYFICO
| Q4 25 | — | $512.0M | ||
| Q3 25 | $481.6M | $515.8M | ||
| Q2 25 | $464.7M | $536.4M | ||
| Q1 25 | $481.8M | $498.7M | ||
| Q4 24 | $465.2M | $440.0M | ||
| Q3 24 | $440.0M | $453.8M | ||
| Q2 24 | $423.3M | $447.8M | ||
| Q1 24 | $431.5M | $433.8M |
净利润DAYFICO
| Q4 25 | — | $158.4M | ||
| Q3 25 | $-196.8M | $155.0M | ||
| Q2 25 | $21.3M | $181.8M | ||
| Q1 25 | $14.9M | $162.6M | ||
| Q4 24 | $10.8M | $152.5M | ||
| Q3 24 | $2.0M | $135.7M | ||
| Q2 24 | $-1.8M | $126.3M | ||
| Q1 24 | $7.1M | $129.8M |
毛利率DAYFICO
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | 47.0% | 80.1% | ||
| Q3 24 | 45.8% | 80.3% | ||
| Q2 24 | 44.1% | 80.3% | ||
| Q1 24 | 47.6% | 80.0% |
营业利润率DAYFICO
| Q4 25 | — | 45.7% | ||
| Q3 25 | 6.3% | 46.0% | ||
| Q2 25 | 9.1% | 48.9% | ||
| Q1 25 | 6.4% | 49.3% | ||
| Q4 24 | 6.1% | 40.8% | ||
| Q3 24 | 4.7% | 43.4% | ||
| Q2 24 | 3.3% | 42.5% | ||
| Q1 24 | 9.4% | 44.9% |
净利率DAYFICO
| Q4 25 | — | 30.9% | ||
| Q3 25 | -40.9% | 30.1% | ||
| Q2 25 | 4.6% | 33.9% | ||
| Q1 25 | 3.1% | 32.6% | ||
| Q4 24 | 2.3% | 34.7% | ||
| Q3 24 | 0.5% | 29.9% | ||
| Q2 24 | -0.4% | 28.2% | ||
| Q1 24 | 1.6% | 29.9% |
每股收益（稀释后）DAYFICO
| Q4 25 | — | $6.61 | ||
| Q3 25 | $-1.23 | $6.41 | ||
| Q2 25 | $0.13 | $7.40 | ||
| Q1 25 | $0.09 | $6.59 | ||
| Q4 24 | $0.07 | $6.14 | ||
| Q3 24 | $0.01 | $5.44 | ||
| Q2 24 | $-0.01 | $5.05 | ||
| Q1 24 | $0.04 | $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 | $627.6M | $162.0M |
| 总债务越低越好 | $631.1M | $3.2B |
| 股东权益账面价值 | $2.7B | $-1.8B |
| 总资产 | $8.7B | $1.9B |
| 负债/权益比越低杠杆越低 | 0.23× | — |
8季度趋势，按日历期对齐
现金及短期投资DAYFICO
| Q4 25 | — | $162.0M | ||
| Q3 25 | $627.6M | $134.1M | ||
| Q2 25 | $625.2M | $189.0M | ||
| Q1 25 | $557.3M | $146.6M | ||
| Q4 24 | $579.7M | $184.3M | ||
| Q3 24 | $494.1M | $150.7M | ||
| Q2 24 | $465.4M | $156.0M | ||
| Q1 24 | $392.5M | $135.7M |
总债务DAYFICO
| Q4 25 | — | $3.2B | ||
| Q3 25 | $631.1M | $3.1B | ||
| Q2 25 | $631.8M | $2.8B | ||
| Q1 25 | $632.4M | $2.5B | ||
| Q4 24 | $1.2B | $2.4B | ||
| Q3 24 | $1.2B | $2.2B | ||
| Q2 24 | $1.2B | $2.1B | ||
| Q1 24 | $1.2B | $2.0B |
股东权益DAYFICO
| Q4 25 | — | $-1.8B | ||
| Q3 25 | $2.7B | $-1.7B | ||
| Q2 25 | $2.7B | $-1.4B | ||
| Q1 25 | $2.6B | $-1.1B | ||
| Q4 24 | $2.5B | $-1.1B | ||
| Q3 24 | $2.6B | $-962.7M | ||
| Q2 24 | $2.5B | $-829.3M | ||
| Q1 24 | $2.4B | $-735.7M |
总资产DAYFICO
| Q4 25 | — | $1.9B | ||
| Q3 25 | $8.7B | $1.9B | ||
| Q2 25 | $8.5B | $1.9B | ||
| Q1 25 | $9.5B | $1.8B | ||
| Q4 24 | $9.1B | $1.7B | ||
| Q3 24 | $8.1B | $1.7B | ||
| Q2 24 | $9.0B | $1.7B | ||
| Q1 24 | $10.8B | $1.7B |
负债/权益比DAYFICO
| Q4 25 | — | — | ||
| Q3 25 | 0.23× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.47× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — | ||
| Q1 24 | 0.50× | — |
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 | $31.2M | $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DAYFICO
| Q4 25 | — | $174.1M | ||
| Q3 25 | $31.2M | $223.7M | ||
| Q2 25 | $112.7M | $286.2M | ||
| Q1 25 | $49.6M | $74.9M | ||
| Q4 24 | $81.0M | $194.0M | ||
| Q3 24 | $91.8M | $226.5M | ||
| Q2 24 | $99.2M | $213.3M | ||
| Q1 24 | $9.1M | $71.0M |
自由现金流DAYFICO
| 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 | ||
| Q1 24 | — | $67.0M |
自由现金流率DAYFICO
| 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% | ||
| Q1 24 | — | 15.4% |
资本支出强度DAYFICO
| 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% | ||
| Q1 24 | — | 0.9% |
现金转化率DAYFICO
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | 5.29× | 1.57× | ||
| Q1 25 | 3.33× | 0.46× | ||
| Q4 24 | 7.50× | 1.27× | ||
| Q3 24 | 45.90× | 1.67× | ||
| Q2 24 | — | 1.69× | ||
| Q1 24 | 1.28× | 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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
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% |
