vs
Fair Isaac（FICO）与Getty图片控股（GETY）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Getty图片控股的1.8倍（$512.0M vs $282.3M），Fair Isaac净利率更高（30.9% vs -32.2%，领先63.1%），Fair Isaac同比增速更快（16.4% vs 14.1%），Fair Isaac自由现金流更多（$173.9M vs $7.7M），过去两年Getty图片控股的营收复合增速更高（12.7% 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。
盖蒂图片控股是全球知名的视觉素材服务商，面向创意从业者、媒体机构与企业客户，提供正版商用图库、编辑类摄影、视频及音乐素材，旗下素材库规模超过4.77亿件，是全球视觉内容行业的龙头供应商之一。
FICO vs GETY — 直观对比
营收规模更大
FICO
是对方的1.8倍
$282.3M
营收增速更快
FICO
高出2.2%
14.1%
净利率更高
FICO
高出63.1%
-32.2%
自由现金流更多
FICO
多$166.2M
$7.7M
两年增速更快
GETY
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $282.3M |
| 净利润 | $158.4M | $-90.9M |
| 毛利率 | 83.0% | 74.8% |
| 营业利润率 | 45.7% | -8.5% |
| 净利率 | 30.9% | -32.2% |
| 营收同比 | 16.4% | 14.1% |
| 净利润同比 | 3.8% | -467.6% |
| 每股收益（稀释后） | $6.61 | $-0.22 |
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FICOGETY
| Q4 25 | $512.0M | $282.3M | ||
| Q3 25 | $515.8M | $240.0M | ||
| Q2 25 | $536.4M | $234.9M | ||
| Q1 25 | $498.7M | $224.1M | ||
| Q4 24 | $440.0M | $247.3M | ||
| Q3 24 | $453.8M | $240.5M | ||
| Q2 24 | $447.8M | $229.1M | ||
| Q1 24 | $433.8M | $222.3M |
净利润FICOGETY
| Q4 25 | $158.4M | $-90.9M | ||
| Q3 25 | $155.0M | $21.6M | ||
| Q2 25 | $181.8M | $-34.4M | ||
| Q1 25 | $162.6M | $-102.6M | ||
| Q4 24 | $152.5M | $24.7M | ||
| Q3 24 | $135.7M | $-2.5M | ||
| Q2 24 | $126.3M | $3.7M | ||
| Q1 24 | $129.8M | $13.6M |
毛利率FICOGETY
| Q4 25 | 83.0% | 74.8% | ||
| Q3 25 | 82.3% | 73.2% | ||
| Q2 25 | 83.7% | 72.1% | ||
| Q1 25 | 82.4% | 73.1% | ||
| Q4 24 | 80.1% | 73.5% | ||
| Q3 24 | 80.3% | 73.4% | ||
| Q2 24 | 80.3% | 72.5% | ||
| Q1 24 | 80.0% | 72.9% |
营业利润率FICOGETY
| Q4 25 | 45.7% | -8.5% | ||
| Q3 25 | 46.0% | 18.8% | ||
| Q2 25 | 48.9% | 15.1% | ||
| Q1 25 | 49.3% | 12.2% | ||
| Q4 24 | 40.8% | 14.5% | ||
| Q3 24 | 43.4% | 23.9% | ||
| Q2 24 | 42.5% | 20.3% | ||
| Q1 24 | 44.9% | 18.5% |
净利率FICOGETY
| Q4 25 | 30.9% | -32.2% | ||
| Q3 25 | 30.1% | 9.0% | ||
| Q2 25 | 33.9% | -14.6% | ||
| Q1 25 | 32.6% | -45.8% | ||
| Q4 24 | 34.7% | 10.0% | ||
| Q3 24 | 29.9% | -1.1% | ||
| Q2 24 | 28.2% | 1.6% | ||
| Q1 24 | 29.9% | 6.1% |
每股收益（稀释后）FICOGETY
| Q4 25 | $6.61 | $-0.22 | ||
| Q3 25 | $6.41 | $0.05 | ||
| Q2 25 | $7.40 | $-0.08 | ||
| Q1 25 | $6.59 | $-0.25 | ||
| Q4 24 | $6.14 | $0.07 | ||
| Q3 24 | $5.44 | $-0.01 | ||
| Q2 24 | $5.05 | $0.01 | ||
| Q1 24 | $5.16 | $0.03 |
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 | $90.2M |
| 总债务越低越好 | $3.2B | $1.3B |
| 股东权益账面价值 | $-1.8B | $552.5M |
| 总资产 | $1.9B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 2.30× |
8季度趋势，按日历期对齐
现金及短期投资FICOGETY
| Q4 25 | $162.0M | $90.2M | ||
| Q3 25 | $134.1M | $109.5M | ||
| Q2 25 | $189.0M | $110.3M | ||
| Q1 25 | $146.6M | $114.6M | ||
| Q4 24 | $184.3M | $121.2M | ||
| Q3 24 | $150.7M | $109.9M | ||
| Q2 24 | $156.0M | $121.7M | ||
| Q1 24 | $135.7M | $134.2M |
总债务FICOGETY
| Q4 25 | $3.2B | $1.3B | ||
| Q3 25 | $3.1B | $1.3B | ||
| Q2 25 | $2.8B | $1.3B | ||
| Q1 25 | $2.5B | $1.3B | ||
| Q4 24 | $2.4B | $1.3B | ||
| Q3 24 | $2.2B | $1.3B | ||
| Q2 24 | $2.1B | $1.3B | ||
| Q1 24 | $2.0B | $1.4B |
股东权益FICOGETY
| Q4 25 | $-1.8B | $552.5M | ||
| Q3 25 | $-1.7B | $634.6M | ||
| Q2 25 | $-1.4B | $611.2M | ||
| Q1 25 | $-1.1B | $593.0M | ||
| Q4 24 | $-1.1B | $670.2M | ||
| Q3 24 | $-962.7M | $683.4M | ||
| Q2 24 | $-829.3M | $654.0M | ||
| Q1 24 | $-735.7M | $640.8M |
总资产FICOGETY
| Q4 25 | $1.9B | $3.2B | ||
| Q3 25 | $1.9B | $2.6B | ||
| Q2 25 | $1.9B | $2.6B | ||
| Q1 25 | $1.8B | $2.6B | ||
| Q4 24 | $1.7B | $2.6B | ||
| Q3 24 | $1.7B | $2.6B | ||
| Q2 24 | $1.7B | $2.6B | ||
| Q1 24 | $1.7B | $2.6B |
负债/权益比FICOGETY
| Q4 25 | — | 2.30× | ||
| Q3 25 | — | 2.11× | ||
| Q2 25 | — | 2.19× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | — | 1.96× | ||
| Q3 24 | — | 1.97× | ||
| Q2 24 | — | 2.06× | ||
| Q1 24 | — | 2.16× |
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 | $20.6M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $7.7M |
| 自由现金流率自由现金流/营收 | 34.0% | 2.7% |
| 资本支出强度资本支出/营收 | 0.0% | 4.6% |
| 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 | $5.7M |
8季度趋势，按日历期对齐
经营现金流FICOGETY
| Q4 25 | $174.1M | $20.6M | ||
| Q3 25 | $223.7M | $22.6M | ||
| Q2 25 | $286.2M | $6.5M | ||
| Q1 25 | $74.9M | $15.4M | ||
| Q4 24 | $194.0M | $39.7M | ||
| Q3 24 | $226.5M | $10.7M | ||
| Q2 24 | $213.3M | $46.4M | ||
| Q1 24 | $71.0M | $21.5M |
自由现金流FICOGETY
| Q4 25 | $173.9M | $7.7M | ||
| Q3 25 | $219.5M | $7.9M | ||
| Q2 25 | $284.4M | $-9.6M | ||
| Q1 25 | $72.8M | $-322.0K | ||
| Q4 24 | $193.2M | $24.6M | ||
| Q3 24 | $224.7M | $-1.8M | ||
| Q2 24 | $211.6M | $31.1M | ||
| Q1 24 | $67.0M | $7.1M |
自由现金流率FICOGETY
| Q4 25 | 34.0% | 2.7% | ||
| Q3 25 | 42.6% | 3.3% | ||
| Q2 25 | 53.0% | -4.1% | ||
| Q1 25 | 14.6% | -0.1% | ||
| Q4 24 | 43.9% | 9.9% | ||
| Q3 24 | 49.5% | -0.8% | ||
| Q2 24 | 47.2% | 13.6% | ||
| Q1 24 | 15.4% | 3.2% |
资本支出强度FICOGETY
| Q4 25 | 0.0% | 4.6% | ||
| Q3 25 | 0.8% | 6.1% | ||
| Q2 25 | 0.3% | 6.9% | ||
| Q1 25 | 0.4% | 7.0% | ||
| Q4 24 | 0.2% | 6.1% | ||
| Q3 24 | 0.4% | 5.2% | ||
| Q2 24 | 0.4% | 6.7% | ||
| Q1 24 | 0.9% | 6.5% |
现金转化率FICOGETY
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 1.05× | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 1.61× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 12.59× | ||
| Q1 24 | 0.55× | 1.58× |
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% |
GETY
| Creative | $149.0M | 53% |
| Editorial | $109.4M | 39% |
| Other | $23.9M | 8% |
