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ExlService Holdings, Inc.（EXLS）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
ExlService Holdings, Inc.的季度营收约是Fair Isaac的1.1倍（$542.6M vs $512.0M），Fair Isaac净利率更高（30.9% vs 11.1%，领先19.8%），Fair Isaac同比增速更快（16.4% vs 12.7%），Fair Isaac自由现金流更多（$173.9M vs $106.5M），过去两年ExlService Holdings, Inc.的营收复合增速更高（11.5% vs 8.6%）
ExlService Holdings Inc.是全球知名的分析与数字解决方案服务商，服务覆盖保险、医疗健康、银行金融服务、媒体、零售等多个行业，总部位于纽约，在美国、欧洲、亚洲、拉美、澳大利亚、南非等地拥有超过5.4万名专业从业人员。
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。
EXLS vs FICO — 直观对比
营收规模更大
EXLS
是对方的1.1倍
$512.0M
营收增速更快
FICO
高出3.7%
12.7%
净利率更高
FICO
高出19.8%
11.1%
自由现金流更多
FICO
多$67.3M
$106.5M
两年增速更快
EXLS
近两年复合增速
8.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $512.0M |
| 净利润 | $60.2M | $158.4M |
| 毛利率 | 38.6% | 83.0% |
| 营业利润率 | 14.4% | 45.7% |
| 净利率 | 11.1% | 30.9% |
| 营收同比 | 12.7% | 16.4% |
| 净利润同比 | 18.9% | 3.8% |
| 每股收益（稀释后） | $0.38 | $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EXLSFICO
| Q4 25 | $542.6M | $512.0M | ||
| Q3 25 | $529.6M | $515.8M | ||
| Q2 25 | $514.5M | $536.4M | ||
| Q1 25 | $501.0M | $498.7M | ||
| Q4 24 | $481.4M | $440.0M | ||
| Q3 24 | $472.1M | $453.8M | ||
| Q2 24 | $448.4M | $447.8M | ||
| Q1 24 | $436.5M | $433.8M |
净利润EXLSFICO
| Q4 25 | $60.2M | $158.4M | ||
| Q3 25 | $58.2M | $155.0M | ||
| Q2 25 | $66.1M | $181.8M | ||
| Q1 25 | $66.6M | $162.6M | ||
| Q4 24 | $50.7M | $152.5M | ||
| Q3 24 | $53.0M | $135.7M | ||
| Q2 24 | $45.8M | $126.3M | ||
| Q1 24 | $48.8M | $129.8M |
毛利率EXLSFICO
| Q4 25 | 38.6% | 83.0% | ||
| Q3 25 | 38.5% | 82.3% | ||
| Q2 25 | 37.7% | 83.7% | ||
| Q1 25 | 38.6% | 82.4% | ||
| Q4 24 | 38.1% | 80.1% | ||
| Q3 24 | 37.8% | 80.3% | ||
| Q2 24 | 37.1% | 80.3% | ||
| Q1 24 | 37.4% | 80.0% |
营业利润率EXLSFICO
| Q4 25 | 14.4% | 45.7% | ||
| Q3 25 | 14.4% | 46.0% | ||
| Q2 25 | 15.8% | 48.9% | ||
| Q1 25 | 15.7% | 49.3% | ||
| Q4 24 | 14.8% | 40.8% | ||
| Q3 24 | 14.7% | 43.4% | ||
| Q2 24 | 13.7% | 42.5% | ||
| Q1 24 | 14.1% | 44.9% |
净利率EXLSFICO
| Q4 25 | 11.1% | 30.9% | ||
| Q3 25 | 11.0% | 30.1% | ||
| Q2 25 | 12.8% | 33.9% | ||
| Q1 25 | 13.3% | 32.6% | ||
| Q4 24 | 10.5% | 34.7% | ||
| Q3 24 | 11.2% | 29.9% | ||
| Q2 24 | 10.2% | 28.2% | ||
| Q1 24 | 11.2% | 29.9% |
每股收益（稀释后）EXLSFICO
| Q4 25 | $0.38 | $6.61 | ||
| Q3 25 | $0.36 | $6.41 | ||
| Q2 25 | $0.40 | $7.40 | ||
| Q1 25 | $0.40 | $6.59 | ||
| Q4 24 | $0.31 | $6.14 | ||
| Q3 24 | $0.33 | $5.44 | ||
| Q2 24 | $0.28 | $5.05 | ||
| Q1 24 | $0.29 | $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 | $328.4M | $162.0M |
| 总债务越低越好 | $298.6M | $3.2B |
| 股东权益账面价值 | $912.7M | $-1.8B |
| 总资产 | $1.7B | $1.9B |
| 负债/权益比越低杠杆越低 | 0.33× | — |
8季度趋势，按日历期对齐
现金及短期投资EXLSFICO
| Q4 25 | $328.4M | $162.0M | ||
| Q3 25 | $390.1M | $134.1M | ||
| Q2 25 | $353.3M | $189.0M | ||
| Q1 25 | $331.4M | $146.6M | ||
| Q4 24 | $340.6M | $184.3M | ||
| Q3 24 | $325.8M | $150.7M | ||
| Q2 24 | $276.1M | $156.0M | ||
| Q1 24 | $246.2M | $135.7M |
总债务EXLSFICO
| Q4 25 | $298.6M | $3.2B | ||
| Q3 25 | $354.8M | $3.1B | ||
| Q2 25 | $260.0M | $2.8B | ||
| Q1 25 | $307.3M | $2.5B | ||
| Q4 24 | $288.5M | $2.4B | ||
| Q3 24 | $344.7M | $2.2B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.0B |
股东权益EXLSFICO
| Q4 25 | $912.7M | $-1.8B | ||
| Q3 25 | $952.4M | $-1.7B | ||
| Q2 25 | $1.1B | $-1.4B | ||
| Q1 25 | $1.0B | $-1.1B | ||
| Q4 24 | $929.9M | $-1.1B | ||
| Q3 24 | $907.6M | $-962.7M | ||
| Q2 24 | $852.6M | $-829.3M | ||
| Q1 24 | $803.3M | $-735.7M |
总资产EXLSFICO
| Q4 25 | $1.7B | $1.9B | ||
| Q3 25 | $1.7B | $1.9B | ||
| Q2 25 | $1.7B | $1.9B | ||
| Q1 25 | $1.7B | $1.8B | ||
| Q4 24 | $1.6B | $1.7B | ||
| Q3 24 | $1.6B | $1.7B | ||
| Q2 24 | $1.5B | $1.7B | ||
| Q1 24 | $1.4B | $1.7B |
负债/权益比EXLSFICO
| Q4 25 | 0.33× | — | ||
| Q3 25 | 0.37× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.38× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $117.4M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | $106.5M | $173.9M |
| 自由现金流率自由现金流/营收 | 19.6% | 34.0% |
| 资本支出强度资本支出/营收 | 2.0% | 0.0% |
| 现金转化率经营现金流/净利润 | 1.95× | 1.10× |
| 过去12个月自由现金流最近4个季度 | $298.1M | $750.6M |
8季度趋势，按日历期对齐
经营现金流EXLSFICO
| Q4 25 | $117.4M | $174.1M | ||
| Q3 25 | $120.7M | $223.7M | ||
| Q2 25 | $109.4M | $286.2M | ||
| Q1 25 | $3.2M | $74.9M | ||
| Q4 24 | $105.3M | $194.0M | ||
| Q3 24 | $110.1M | $226.5M | ||
| Q2 24 | $74.9M | $213.3M | ||
| Q1 24 | $-21.9M | $71.0M |
自由现金流EXLSFICO
| Q4 25 | $106.5M | $173.9M | ||
| Q3 25 | $106.4M | $219.5M | ||
| Q2 25 | $95.0M | $284.4M | ||
| Q1 25 | $-9.7M | $72.8M | ||
| Q4 24 | $95.3M | $193.2M | ||
| Q3 24 | $97.3M | $224.7M | ||
| Q2 24 | $62.8M | $211.6M | ||
| Q1 24 | $-33.1M | $67.0M |
自由现金流率EXLSFICO
| Q4 25 | 19.6% | 34.0% | ||
| Q3 25 | 20.1% | 42.6% | ||
| Q2 25 | 18.5% | 53.0% | ||
| Q1 25 | -1.9% | 14.6% | ||
| Q4 24 | 19.8% | 43.9% | ||
| Q3 24 | 20.6% | 49.5% | ||
| Q2 24 | 14.0% | 47.2% | ||
| Q1 24 | -7.6% | 15.4% |
资本支出强度EXLSFICO
| Q4 25 | 2.0% | 0.0% | ||
| Q3 25 | 2.7% | 0.8% | ||
| Q2 25 | 2.8% | 0.3% | ||
| Q1 25 | 2.6% | 0.4% | ||
| Q4 24 | 2.1% | 0.2% | ||
| Q3 24 | 2.7% | 0.4% | ||
| Q2 24 | 2.7% | 0.4% | ||
| Q1 24 | 2.6% | 0.9% |
现金转化率EXLSFICO
| Q4 25 | 1.95× | 1.10× | ||
| Q3 25 | 2.08× | 1.44× | ||
| Q2 25 | 1.66× | 1.57× | ||
| Q1 25 | 0.05× | 0.46× | ||
| Q4 24 | 2.08× | 1.27× | ||
| Q3 24 | 2.08× | 1.67× | ||
| Q2 24 | 1.63× | 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
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
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% |
