vs
Fair Isaac（FICO）与Fidelity National Financial, Inc.（FNF）财务数据对比。点击上方公司名可切换其他公司
Fidelity National Financial, Inc.的季度营收约是Fair Isaac的1.1倍（$544.0M vs $512.0M），Fair Isaac净利率更高（30.9% vs -21.5%，领先52.4%），Fair Isaac同比增速更快（16.4% vs 10.3%），过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% vs 8.6%）
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。
富达国民金融是美国财富500强企业，主要面向房地产与抵押贷款行业提供产权保险及交割服务，2019年其产权及房地产业务相关年度营收约为84.69亿美元，是全球领先的产权保险服务供应商。
FICO vs FNF — 直观对比
营收规模更大
FNF
是对方的1.1倍
$512.0M
营收增速更快
FICO
高出6.0%
10.3%
净利率更高
FICO
高出52.4%
-21.5%
两年增速更快
FNF
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $544.0M |
| 净利润 | $158.4M | $-117.0M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 82.9% |
| 净利率 | 30.9% | -21.5% |
| 营收同比 | 16.4% | 10.3% |
| 净利润同比 | 3.8% | -126.0% |
| 每股收益（稀释后） | $6.61 | $-0.44 |
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FICOFNF
| Q4 25 | $512.0M | $544.0M | ||
| Q3 25 | $515.8M | $553.0M | ||
| Q2 25 | $536.4M | $547.0M | ||
| Q1 25 | $498.7M | $455.0M | ||
| Q4 24 | $440.0M | $493.0M | ||
| Q3 24 | $453.8M | $506.0M | ||
| Q2 24 | $447.8M | $504.0M | ||
| Q1 24 | $433.8M | $421.0M |
净利润FICOFNF
| Q4 25 | $158.4M | $-117.0M | ||
| Q3 25 | $155.0M | $358.0M | ||
| Q2 25 | $181.8M | $278.0M | ||
| Q1 25 | $162.6M | $83.0M | ||
| Q4 24 | $152.5M | $450.0M | ||
| Q3 24 | $135.7M | $266.0M | ||
| Q2 24 | $126.3M | $306.0M | ||
| Q1 24 | $129.8M | $248.0M |
毛利率FICOFNF
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | — | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | — |
营业利润率FICOFNF
| Q4 25 | 45.7% | 82.9% | ||
| Q3 25 | 46.0% | 81.9% | ||
| Q2 25 | 48.9% | 69.8% | ||
| Q1 25 | 49.3% | 24.4% | ||
| Q4 24 | 40.8% | — | ||
| Q3 24 | 43.4% | 61.9% | ||
| Q2 24 | 42.5% | 90.9% | ||
| Q1 24 | 44.9% | 78.6% |
净利率FICOFNF
| Q4 25 | 30.9% | -21.5% | ||
| Q3 25 | 30.1% | 64.7% | ||
| Q2 25 | 33.9% | 50.8% | ||
| Q1 25 | 32.6% | 18.2% | ||
| Q4 24 | 34.7% | 91.3% | ||
| Q3 24 | 29.9% | 52.6% | ||
| Q2 24 | 28.2% | 60.7% | ||
| Q1 24 | 29.9% | 58.9% |
每股收益（稀释后）FICOFNF
| Q4 25 | $6.61 | $-0.44 | ||
| Q3 25 | $6.41 | $1.33 | ||
| Q2 25 | $7.40 | $1.02 | ||
| Q1 25 | $6.59 | $0.30 | ||
| Q4 24 | $6.14 | $1.65 | ||
| Q3 24 | $5.44 | $0.97 | ||
| Q2 24 | $5.05 | $1.12 | ||
| Q1 24 | $5.16 | $0.91 |
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 | $2.6B |
| 总债务越低越好 | $3.2B | $4.4B |
| 股东权益账面价值 | $-1.8B | $7.4B |
| 总资产 | $1.9B | $109.0B |
| 负债/权益比越低杠杆越低 | — | 0.59× |
8季度趋势，按日历期对齐
现金及短期投资FICOFNF
| Q4 25 | $162.0M | $2.6B | ||
| Q3 25 | $134.1M | $3.5B | ||
| Q2 25 | $189.0M | $3.3B | ||
| Q1 25 | $146.6M | $4.5B | ||
| Q4 24 | $184.3M | $3.5B | ||
| Q3 24 | $150.7M | $5.0B | ||
| Q2 24 | $156.0M | $4.9B | ||
| Q1 24 | $135.7M | $3.5B |
总债务FICOFNF
| Q4 25 | $3.2B | $4.4B | ||
| Q3 25 | $3.1B | $4.4B | ||
| Q2 25 | $2.8B | $4.4B | ||
| Q1 25 | $2.5B | $4.4B | ||
| Q4 24 | $2.4B | $4.3B | ||
| Q3 24 | $2.2B | $4.2B | ||
| Q2 24 | $2.1B | $4.2B | ||
| Q1 24 | $2.0B | $3.9B |
股东权益FICOFNF
| Q4 25 | $-1.8B | $7.4B | ||
| Q3 25 | $-1.7B | $8.4B | ||
| Q2 25 | $-1.4B | $7.9B | ||
| Q1 25 | $-1.1B | $7.9B | ||
| Q4 24 | $-1.1B | $7.8B | ||
| Q3 24 | $-962.7M | $8.1B | ||
| Q2 24 | $-829.3M | $7.3B | ||
| Q1 24 | $-735.7M | $7.1B |
总资产FICOFNF
| Q4 25 | $1.9B | $109.0B | ||
| Q3 25 | $1.9B | $106.6B | ||
| Q2 25 | $1.9B | $102.3B | ||
| Q1 25 | $1.8B | $98.2B | ||
| Q4 24 | $1.7B | $95.4B | ||
| Q3 24 | $1.7B | $94.7B | ||
| Q2 24 | $1.7B | $88.8B | ||
| Q1 24 | $1.7B | $84.5B |
负债/权益比FICOFNF
| Q4 25 | — | 0.59× | ||
| Q3 25 | — | 0.53× | ||
| Q2 25 | — | 0.56× | ||
| Q1 25 | — | 0.56× | ||
| Q4 24 | — | 0.56× | ||
| Q3 24 | — | 0.52× | ||
| Q2 24 | — | 0.58× | ||
| Q1 24 | — | 0.55× |
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 | $1.5B |
| 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FICOFNF
| Q4 25 | $174.1M | $1.5B | ||
| Q3 25 | $223.7M | $1.3B | ||
| Q2 25 | $286.2M | $1.9B | ||
| Q1 25 | $74.9M | $1.1B | ||
| Q4 24 | $194.0M | $1.5B | ||
| Q3 24 | $226.5M | $2.4B | ||
| Q2 24 | $213.3M | $1.4B | ||
| Q1 24 | $71.0M | $1.6B |
自由现金流FICOFNF
| 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FICOFNF
| 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FICOFNF
| 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FICOFNF
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 3.66× | ||
| Q2 25 | 1.57× | 6.82× | ||
| Q1 25 | 0.46× | 13.43× | ||
| Q4 24 | 1.27× | 3.32× | ||
| Q3 24 | 1.67× | 8.89× | ||
| Q2 24 | 1.69× | 4.45× | ||
| Q1 24 | 0.55× | 6.42× |
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% |
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
