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Fair Isaac（FICO）与1 800 FLOWERS COM INC（FLWS）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1 800 FLOWERS COM INC的1.7倍（$512.0M vs $293.0M），Fair Isaac净利率更高（30.9% vs -34.1%，领先65.1%），Fair Isaac同比增速更快（16.4% vs -11.6%），Fair Isaac自由现金流更多（$173.9M vs $20.0M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -12.1%）
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。
1 800 FLOWERS COM INC是美国知名的全渠道鲜花礼品零售企业，主营鲜花花束、礼品篮、美食礼盒、定制礼物及家居装饰品，服务北美地区个人及企业客户，覆盖节日、生日、纪念日等各类送礼场景。
FICO vs FLWS — 直观对比
营收规模更大
FICO
是对方的1.7倍
$293.0M
营收增速更快
FICO
高出28.0%
-11.6%
净利率更高
FICO
高出65.1%
-34.1%
自由现金流更多
FICO
多$153.8M
$20.0M
两年增速更快
FICO
近两年复合增速
-12.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $293.0M |
| 净利润 | $158.4M | $-100.1M |
| 毛利率 | 83.0% | 33.2% |
| 营业利润率 | 45.7% | 34.5% |
| 净利率 | 30.9% | -34.1% |
| 营收同比 | 16.4% | -11.6% |
| 净利润同比 | 3.8% | 44.3% |
| 每股收益（稀释后） | $6.61 | $-1.56 |
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FICOFLWS
| Q1 26 | — | $293.0M | ||
| Q4 25 | $512.0M | $702.2M | ||
| Q3 25 | $515.8M | $215.2M | ||
| Q2 25 | $536.4M | $336.6M | ||
| Q1 25 | $498.7M | $331.5M | ||
| Q4 24 | $440.0M | $775.5M | ||
| Q3 24 | $453.8M | $242.1M | ||
| Q2 24 | $447.8M | — |
净利润FICOFLWS
| Q1 26 | — | $-100.1M | ||
| Q4 25 | $158.4M | $70.6M | ||
| Q3 25 | $155.0M | $-53.0M | ||
| Q2 25 | $181.8M | $-51.9M | ||
| Q1 25 | $162.6M | $-178.2M | ||
| Q4 24 | $152.5M | $64.3M | ||
| Q3 24 | $135.7M | $-34.2M | ||
| Q2 24 | $126.3M | — |
毛利率FICOFLWS
| Q1 26 | — | 33.2% | ||
| Q4 25 | 83.0% | 42.1% | ||
| Q3 25 | 82.3% | 35.7% | ||
| Q2 25 | 83.7% | 35.5% | ||
| Q1 25 | 82.4% | 31.7% | ||
| Q4 24 | 80.1% | 43.3% | ||
| Q3 24 | 80.3% | 38.1% | ||
| Q2 24 | 80.3% | — |
营业利润率FICOFLWS
| Q1 26 | — | 34.5% | ||
| Q4 25 | 45.7% | 10.6% | ||
| Q3 25 | 46.0% | -23.5% | ||
| Q2 25 | 48.9% | -16.5% | ||
| Q1 25 | 49.3% | -58.4% | ||
| Q4 24 | 40.8% | 11.7% | ||
| Q3 24 | 43.4% | -19.4% | ||
| Q2 24 | 42.5% | — |
净利率FICOFLWS
| Q1 26 | — | -34.1% | ||
| Q4 25 | 30.9% | 10.0% | ||
| Q3 25 | 30.1% | -24.6% | ||
| Q2 25 | 33.9% | -15.4% | ||
| Q1 25 | 32.6% | -53.8% | ||
| Q4 24 | 34.7% | 8.3% | ||
| Q3 24 | 29.9% | -14.1% | ||
| Q2 24 | 28.2% | — |
每股收益（稀释后）FICOFLWS
| Q1 26 | — | $-1.56 | ||
| Q4 25 | $6.61 | $1.10 | ||
| Q3 25 | $6.41 | $-0.83 | ||
| Q2 25 | $7.40 | $-0.80 | ||
| Q1 25 | $6.59 | $-2.80 | ||
| Q4 24 | $6.14 | $1.00 | ||
| Q3 24 | $5.44 | $-0.53 | ||
| Q2 24 | $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 | $162.0M | $50.7M |
| 总债务越低越好 | $3.2B | $24.0M |
| 股东权益账面价值 | $-1.8B | $192.5M |
| 总资产 | $1.9B | $679.9M |
| 负债/权益比越低杠杆越低 | — | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资FICOFLWS
| Q1 26 | — | $50.7M | ||
| Q4 25 | $162.0M | $193.3M | ||
| Q3 25 | $134.1M | $7.7M | ||
| Q2 25 | $189.0M | $46.5M | ||
| Q1 25 | $146.6M | $84.7M | ||
| Q4 24 | $184.3M | $247.2M | ||
| Q3 24 | $150.7M | $8.4M | ||
| Q2 24 | $156.0M | — |
总债务FICOFLWS
| Q1 26 | — | $24.0M | ||
| Q4 25 | $3.2B | $123.5M | ||
| Q3 25 | $3.1B | $128.9M | ||
| Q2 25 | $2.8B | $134.8M | ||
| Q1 25 | $2.5B | $142.3M | ||
| Q4 24 | $2.4B | $157.5M | ||
| Q3 24 | $2.2B | $172.3M | ||
| Q2 24 | $2.1B | — |
股东权益FICOFLWS
| Q1 26 | — | $192.5M | ||
| Q4 25 | $-1.8B | $289.7M | ||
| Q3 25 | $-1.7B | $217.5M | ||
| Q2 25 | $-1.4B | $268.3M | ||
| Q1 25 | $-1.1B | $317.7M | ||
| Q4 24 | $-1.1B | $495.1M | ||
| Q3 24 | $-962.7M | $433.4M | ||
| Q2 24 | $-829.3M | — |
总资产FICOFLWS
| Q1 26 | — | $679.9M | ||
| Q4 25 | $1.9B | $893.1M | ||
| Q3 25 | $1.9B | $840.5M | ||
| Q2 25 | $1.9B | $772.6M | ||
| Q1 25 | $1.8B | $806.2M | ||
| Q4 24 | $1.7B | $1.1B | ||
| Q3 24 | $1.7B | $1.0B | ||
| Q2 24 | $1.7B | — |
负债/权益比FICOFLWS
| Q1 26 | — | 0.12× | ||
| Q4 25 | — | 0.43× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.50× | ||
| Q1 25 | — | 0.45× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.40× | ||
| Q2 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 | $174.1M | $42.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $20.0M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.8% |
| 资本支出强度资本支出/营收 | 0.0% | 7.8% |
| 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 | $140.5M |
8季度趋势，按日历期对齐
经营现金流FICOFLWS
| Q1 26 | — | $42.9M | ||
| Q4 25 | $174.1M | $309.9M | ||
| Q3 25 | $223.7M | $-139.0M | ||
| Q2 25 | $286.2M | $-27.1M | ||
| Q1 25 | $74.9M | $-150.6M | ||
| Q4 24 | $194.0M | $328.5M | ||
| Q3 24 | $226.5M | $-177.2M | ||
| Q2 24 | $213.3M | — |
自由现金流FICOFLWS
| Q1 26 | — | $20.0M | ||
| Q4 25 | $173.9M | $302.2M | ||
| Q3 25 | $219.5M | $-145.6M | ||
| Q2 25 | $284.4M | $-36.1M | ||
| Q1 25 | $72.8M | $-160.0M | ||
| Q4 24 | $193.2M | $317.6M | ||
| Q3 24 | $224.7M | $-189.3M | ||
| Q2 24 | $211.6M | — |
自由现金流率FICOFLWS
| Q1 26 | — | 6.8% | ||
| Q4 25 | 34.0% | 43.0% | ||
| Q3 25 | 42.6% | -67.7% | ||
| Q2 25 | 53.0% | -10.7% | ||
| Q1 25 | 14.6% | -48.3% | ||
| Q4 24 | 43.9% | 41.0% | ||
| Q3 24 | 49.5% | -78.2% | ||
| Q2 24 | 47.2% | — |
资本支出强度FICOFLWS
| Q1 26 | — | 7.8% | ||
| Q4 25 | 0.0% | 1.1% | ||
| Q3 25 | 0.8% | 3.1% | ||
| Q2 25 | 0.3% | 2.7% | ||
| Q1 25 | 0.4% | 2.8% | ||
| Q4 24 | 0.2% | 1.4% | ||
| Q3 24 | 0.4% | 5.0% | ||
| Q2 24 | 0.4% | — |
现金转化率FICOFLWS
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 4.39× | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 5.11× | ||
| 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
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% |
FLWS
| Consumer Floral & Gifts | $159.4M | 54% |
| Gourmet Foods & Gift Baskets | $106.9M | 36% |
| BloomNet | $26.9M | 9% |
| Corporate | $50.0K | 0% |
