vs
Fair Isaac（FICO）与FEDERAL SIGNAL CORP（FSS）财务数据对比。点击上方公司名可切换其他公司
FEDERAL SIGNAL CORP的季度营收约是Fair Isaac的1.2倍（$597.1M vs $512.0M），Fair Isaac净利率更高（30.9% vs 10.2%，领先20.8%），FEDERAL SIGNAL CORP同比增速更快（26.5% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $89.5M），过去两年FEDERAL SIGNAL CORP的营收复合增速更高（18.5% 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。
联邦信号公司是20世纪早期的美国企业，主营铁路信号设备的制造业务，总部坐落于美国纽约州奥尔巴尼市，其生产的相关信号产品在当时的美国轨道交通行业得到了广泛应用，具备一定的行业知名度。
FICO vs FSS — 直观对比
营收规模更大
FSS
是对方的1.2倍
$512.0M
营收增速更快
FSS
高出10.1%
16.4%
净利率更高
FICO
高出20.8%
10.2%
自由现金流更多
FICO
多$84.4M
$89.5M
两年增速更快
FSS
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $597.1M |
| 净利润 | $158.4M | $60.8M |
| 毛利率 | 83.0% | 28.4% |
| 营业利润率 | 45.7% | 14.0% |
| 净利率 | 30.9% | 10.2% |
| 营收同比 | 16.4% | 26.5% |
| 净利润同比 | 3.8% | 21.6% |
| 每股收益（稀释后） | $6.61 | $0.99 |
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FICOFSS
| Q4 25 | $512.0M | $597.1M | ||
| Q3 25 | $515.8M | $555.0M | ||
| Q2 25 | $536.4M | $564.6M | ||
| Q1 25 | $498.7M | $463.8M | ||
| Q4 24 | $440.0M | $472.0M | ||
| Q3 24 | $453.8M | $474.2M | ||
| Q2 24 | $447.8M | $490.4M | ||
| Q1 24 | $433.8M | $424.9M |
净利润FICOFSS
| Q4 25 | $158.4M | $60.8M | ||
| Q3 25 | $155.0M | $68.1M | ||
| Q2 25 | $181.8M | $71.4M | ||
| Q1 25 | $162.6M | $46.3M | ||
| Q4 24 | $152.5M | $50.0M | ||
| Q3 24 | $135.7M | $53.9M | ||
| Q2 24 | $126.3M | $60.8M | ||
| Q1 24 | $129.8M | $51.6M |
毛利率FICOFSS
| Q4 25 | 83.0% | 28.4% | ||
| Q3 25 | 82.3% | 29.1% | ||
| Q2 25 | 83.7% | 30.0% | ||
| Q1 25 | 82.4% | 28.2% | ||
| Q4 24 | 80.1% | 28.1% | ||
| Q3 24 | 80.3% | 29.6% | ||
| Q2 24 | 80.3% | 29.4% | ||
| Q1 24 | 80.0% | 27.3% |
营业利润率FICOFSS
| Q4 25 | 45.7% | 14.0% | ||
| Q3 25 | 46.0% | 16.9% | ||
| Q2 25 | 48.9% | 17.3% | ||
| Q1 25 | 49.3% | 14.2% | ||
| Q4 24 | 40.8% | 14.9% | ||
| Q3 24 | 43.4% | 16.0% | ||
| Q2 24 | 42.5% | 16.5% | ||
| Q1 24 | 44.9% | 12.8% |
净利率FICOFSS
| Q4 25 | 30.9% | 10.2% | ||
| Q3 25 | 30.1% | 12.3% | ||
| Q2 25 | 33.9% | 12.6% | ||
| Q1 25 | 32.6% | 10.0% | ||
| Q4 24 | 34.7% | 10.6% | ||
| Q3 24 | 29.9% | 11.4% | ||
| Q2 24 | 28.2% | 12.4% | ||
| Q1 24 | 29.9% | 12.1% |
每股收益（稀释后）FICOFSS
| Q4 25 | $6.61 | $0.99 | ||
| Q3 25 | $6.41 | $1.11 | ||
| Q2 25 | $7.40 | $1.16 | ||
| Q1 25 | $6.59 | $0.75 | ||
| Q4 24 | $6.14 | $0.80 | ||
| Q3 24 | $5.44 | $0.87 | ||
| Q2 24 | $5.05 | $0.99 | ||
| Q1 24 | $5.16 | $0.84 |
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 | $63.7M |
| 总债务越低越好 | $3.2B | $564.6M |
| 股东权益账面价值 | $-1.8B | $1.4B |
| 总资产 | $1.9B | $2.4B |
| 负债/权益比越低杠杆越低 | — | 0.41× |
8季度趋势，按日历期对齐
现金及短期投资FICOFSS
| Q4 25 | $162.0M | $63.7M | ||
| Q3 25 | $134.1M | $54.4M | ||
| Q2 25 | $189.0M | $64.7M | ||
| Q1 25 | $146.6M | $57.5M | ||
| Q4 24 | $184.3M | $91.1M | ||
| Q3 24 | $150.7M | $73.7M | ||
| Q2 24 | $156.0M | $48.6M | ||
| Q1 24 | $135.7M | $48.9M |
总债务FICOFSS
| Q4 25 | $3.2B | $564.6M | ||
| Q3 25 | $3.1B | $201.2M | ||
| Q2 25 | $2.8B | $258.3M | ||
| Q1 25 | $2.5B | $266.9M | ||
| Q4 24 | $2.4B | $204.4M | ||
| Q3 24 | $2.2B | $223.3M | ||
| Q2 24 | $2.1B | $248.8M | ||
| Q1 24 | $2.0B | $266.8M |
股东权益FICOFSS
| Q4 25 | $-1.8B | $1.4B | ||
| Q3 25 | $-1.7B | $1.3B | ||
| Q2 25 | $-1.4B | $1.3B | ||
| Q1 25 | $-1.1B | $1.2B | ||
| Q4 24 | $-1.1B | $1.2B | ||
| Q3 24 | $-962.7M | $1.1B | ||
| Q2 24 | $-829.3M | $1.1B | ||
| Q1 24 | $-735.7M | $1.0B |
总资产FICOFSS
| Q4 25 | $1.9B | $2.4B | ||
| Q3 25 | $1.9B | $1.9B | ||
| Q2 25 | $1.9B | $1.9B | ||
| Q1 25 | $1.8B | $1.9B | ||
| Q4 24 | $1.7B | $1.8B | ||
| Q3 24 | $1.7B | $1.7B | ||
| Q2 24 | $1.7B | $1.7B | ||
| Q1 24 | $1.7B | $1.7B |
负债/权益比FICOFSS
| Q4 25 | — | 0.41× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.22× | ||
| Q4 24 | — | 0.17× | ||
| Q3 24 | — | 0.19× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.26× |
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 | $97.2M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $89.5M |
| 自由现金流率自由现金流/营收 | 34.0% | 15.0% |
| 资本支出强度资本支出/营收 | 0.0% | 1.3% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.60× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $227.1M |
8季度趋势，按日历期对齐
经营现金流FICOFSS
| Q4 25 | $174.1M | $97.2M | ||
| Q3 25 | $223.7M | $61.1M | ||
| Q2 25 | $286.2M | $59.7M | ||
| Q1 25 | $74.9M | $36.7M | ||
| Q4 24 | $194.0M | $90.6M | ||
| Q3 24 | $226.5M | $68.8M | ||
| Q2 24 | $213.3M | $40.6M | ||
| Q1 24 | $71.0M | $31.3M |
自由现金流FICOFSS
| Q4 25 | $173.9M | $89.5M | ||
| Q3 25 | $219.5M | $54.1M | ||
| Q2 25 | $284.4M | $52.4M | ||
| Q1 25 | $72.8M | $31.1M | ||
| Q4 24 | $193.2M | $82.1M | ||
| Q3 24 | $224.7M | $60.9M | ||
| Q2 24 | $211.6M | $24.8M | ||
| Q1 24 | $67.0M | $22.9M |
自由现金流率FICOFSS
| Q4 25 | 34.0% | 15.0% | ||
| Q3 25 | 42.6% | 9.7% | ||
| Q2 25 | 53.0% | 9.3% | ||
| Q1 25 | 14.6% | 6.7% | ||
| Q4 24 | 43.9% | 17.4% | ||
| Q3 24 | 49.5% | 12.8% | ||
| Q2 24 | 47.2% | 5.1% | ||
| Q1 24 | 15.4% | 5.4% |
资本支出强度FICOFSS
| Q4 25 | 0.0% | 1.3% | ||
| Q3 25 | 0.8% | 1.3% | ||
| Q2 25 | 0.3% | 1.3% | ||
| Q1 25 | 0.4% | 1.2% | ||
| Q4 24 | 0.2% | 1.8% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.4% | 3.2% | ||
| Q1 24 | 0.9% | 2.0% |
现金转化率FICOFSS
| Q4 25 | 1.10× | 1.60× | ||
| Q3 25 | 1.44× | 0.90× | ||
| Q2 25 | 1.57× | 0.84× | ||
| Q1 25 | 0.46× | 0.79× | ||
| Q4 24 | 1.27× | 1.81× | ||
| Q3 24 | 1.67× | 1.28× | ||
| Q2 24 | 1.69× | 0.67× | ||
| Q1 24 | 0.55× | 0.61× |
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% |
FSS
| Vehiclesandequipment | $403.4M | 68% |
| Parts | $66.8M | 11% |
| Publicsafetyandsecurityequipment | $62.2M | 10% |
| Rentalincome | $19.0M | 3% |
| Industrialsignalingequipment | $18.2M | 3% |
| Other | $14.9M | 2% |
| Warningsystems | $12.6M | 2% |
