vs
Fair Isaac（FICO）与哈雷戴维森（HOG）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是哈雷戴维森的1.3倍（$512.0M vs $390.5M），Fair Isaac净利率更高（30.9% vs -72.3%，领先103.3%），Fair Isaac同比增速更快（16.4% vs -9.4%），Fair Isaac自由现金流更多（$173.9M vs $100.4M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -48.6%）
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。
哈雷戴维森是源自美国的摩托车制造商与生活方式品牌，总部位于威斯康星州密尔沃基，创立于1903年。它是大萧条时期幸存下来的两大美国摩托车厂商之一，历经多次股权变动、子公司调整、经营困境与全球竞争，如今已是全球知名的标志性品牌。
FICO vs HOG — 直观对比
营收规模更大
FICO
是对方的1.3倍
$390.5M
营收增速更快
FICO
高出25.7%
-9.4%
净利率更高
FICO
高出103.3%
-72.3%
自由现金流更多
FICO
多$73.4M
$100.4M
两年增速更快
FICO
近两年复合增速
-48.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $390.5M |
| 净利润 | $158.4M | $-282.6M |
| 毛利率 | 83.0% | -7.9% |
| 营业利润率 | 45.7% | -92.4% |
| 净利率 | 30.9% | -72.3% |
| 营收同比 | 16.4% | -9.4% |
| 净利润同比 | 3.8% | -138.6% |
| 每股收益（稀释后） | $6.61 | $-2.27 |
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FICOHOG
| Q4 25 | $512.0M | $390.5M | ||
| Q3 25 | $515.8M | $1.1B | ||
| Q2 25 | $536.4M | $1.0B | ||
| Q1 25 | $498.7M | $1.1B | ||
| Q4 24 | $440.0M | $430.9M | ||
| Q3 24 | $453.8M | $881.2M | ||
| Q2 24 | $447.8M | $1.4B | ||
| Q1 24 | $433.8M | $1.5B |
净利润FICOHOG
| Q4 25 | $158.4M | $-282.6M | ||
| Q3 25 | $155.0M | $377.4M | ||
| Q2 25 | $181.8M | $107.6M | ||
| Q1 25 | $162.6M | $133.1M | ||
| Q4 24 | $152.5M | $-118.4M | ||
| Q3 24 | $135.7M | $119.0M | ||
| Q2 24 | $126.3M | $218.3M | ||
| Q1 24 | $129.8M | $234.9M |
毛利率FICOHOG
| Q4 25 | 83.0% | -7.9% | ||
| Q3 25 | 82.3% | 26.0% | ||
| Q2 25 | 83.7% | 28.5% | ||
| Q1 25 | 82.4% | 28.9% | ||
| Q4 24 | 80.1% | -2.0% | ||
| Q3 24 | 80.3% | 29.8% | ||
| Q2 24 | 80.3% | 31.8% | ||
| Q1 24 | 80.0% | 30.9% |
营业利润率FICOHOG
| Q4 25 | 45.7% | -92.4% | ||
| Q3 25 | 46.0% | 44.0% | ||
| Q2 25 | 48.9% | 10.7% | ||
| Q1 25 | 49.3% | 14.8% | ||
| Q4 24 | 40.8% | -44.9% | ||
| Q3 24 | 43.4% | 12.0% | ||
| Q2 24 | 42.5% | 17.8% | ||
| Q1 24 | 44.9% | 17.8% |
净利率FICOHOG
| Q4 25 | 30.9% | -72.3% | ||
| Q3 25 | 30.1% | 35.0% | ||
| Q2 25 | 33.9% | 10.2% | ||
| Q1 25 | 32.6% | 12.3% | ||
| Q4 24 | 34.7% | -27.5% | ||
| Q3 24 | 29.9% | 13.5% | ||
| Q2 24 | 28.2% | 16.1% | ||
| Q1 24 | 29.9% | 15.9% |
每股收益（稀释后）FICOHOG
| Q4 25 | $6.61 | $-2.27 | ||
| Q3 25 | $6.41 | $3.10 | ||
| Q2 25 | $7.40 | $0.88 | ||
| Q1 25 | $6.59 | $1.07 | ||
| Q4 24 | $6.14 | $-0.82 | ||
| Q3 24 | $5.44 | $0.91 | ||
| Q2 24 | $5.05 | $1.63 | ||
| Q1 24 | $5.16 | $1.72 |
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 | $3.1B |
| 总债务越低越好 | $3.2B | $2.5B |
| 股东权益账面价值 | $-1.8B | $3.1B |
| 总资产 | $1.9B | $8.0B |
| 负债/权益比越低杠杆越低 | — | 0.79× |
8季度趋势，按日历期对齐
现金及短期投资FICOHOG
| Q4 25 | $162.0M | $3.1B | ||
| Q3 25 | $134.1M | $1.8B | ||
| Q2 25 | $189.0M | $1.6B | ||
| Q1 25 | $146.6M | $1.9B | ||
| Q4 24 | $184.3M | $1.6B | ||
| Q3 24 | $150.7M | $2.2B | ||
| Q2 24 | $156.0M | $1.8B | ||
| Q1 24 | $135.7M | $1.5B |
总债务FICOHOG
| Q4 25 | $3.2B | $2.5B | ||
| Q3 25 | $3.1B | $4.5B | ||
| Q2 25 | $2.8B | $6.4B | ||
| Q1 25 | $2.5B | $6.8B | ||
| Q4 24 | $2.4B | $6.3B | ||
| Q3 24 | $2.2B | $7.3B | ||
| Q2 24 | $2.1B | $7.0B | ||
| Q1 24 | $2.0B | $6.3B |
股东权益FICOHOG
| Q4 25 | $-1.8B | $3.1B | ||
| Q3 25 | $-1.7B | $3.6B | ||
| Q2 25 | $-1.4B | $3.3B | ||
| Q1 25 | $-1.1B | $3.2B | ||
| Q4 24 | $-1.1B | $3.2B | ||
| Q3 24 | $-962.7M | $3.4B | ||
| Q2 24 | $-829.3M | $3.4B | ||
| Q1 24 | $-735.7M | $3.3B |
总资产FICOHOG
| Q4 25 | $1.9B | $8.0B | ||
| Q3 25 | $1.9B | $10.6B | ||
| Q2 25 | $1.9B | $12.1B | ||
| Q1 25 | $1.8B | $12.4B | ||
| Q4 24 | $1.7B | $11.9B | ||
| Q3 24 | $1.7B | $13.0B | ||
| Q2 24 | $1.7B | $12.8B | ||
| Q1 24 | $1.7B | $12.3B |
负债/权益比FICOHOG
| Q4 25 | — | 0.79× | ||
| Q3 25 | — | 1.25× | ||
| Q2 25 | — | 1.91× | ||
| Q1 25 | — | 2.14× | ||
| Q4 24 | — | 2.00× | ||
| Q3 24 | — | 2.13× | ||
| Q2 24 | — | 2.03× | ||
| Q1 24 | — | 1.88× |
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 | $152.0M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $100.4M |
| 自由现金流率自由现金流/营收 | 34.0% | 25.7% |
| 资本支出强度资本支出/营收 | 0.0% | 13.2% |
| 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 | $415.2M |
8季度趋势，按日历期对齐
经营现金流FICOHOG
| Q4 25 | $174.1M | $152.0M | ||
| Q3 25 | $223.7M | $-92.6M | ||
| Q2 25 | $286.2M | $368.0M | ||
| Q1 25 | $74.9M | $141.5M | ||
| Q4 24 | $194.0M | $133.2M | ||
| Q3 24 | $226.5M | $353.0M | ||
| Q2 24 | $213.3M | $473.6M | ||
| Q1 24 | $71.0M | $104.0M |
自由现金流FICOHOG
| Q4 25 | $173.9M | $100.4M | ||
| Q3 25 | $219.5M | $-129.1M | ||
| Q2 25 | $284.4M | $332.4M | ||
| Q1 25 | $72.8M | $111.6M | ||
| Q4 24 | $193.2M | $77.0M | ||
| Q3 24 | $224.7M | $300.4M | ||
| Q2 24 | $211.6M | $432.2M | ||
| Q1 24 | $67.0M | $57.6M |
自由现金流率FICOHOG
| Q4 25 | 34.0% | 25.7% | ||
| Q3 25 | 42.6% | -12.0% | ||
| Q2 25 | 53.0% | 31.7% | ||
| Q1 25 | 14.6% | 10.3% | ||
| Q4 24 | 43.9% | 17.9% | ||
| Q3 24 | 49.5% | 34.1% | ||
| Q2 24 | 47.2% | 31.9% | ||
| Q1 24 | 15.4% | 3.9% |
资本支出强度FICOHOG
| Q4 25 | 0.0% | 13.2% | ||
| Q3 25 | 0.8% | 3.4% | ||
| Q2 25 | 0.3% | 3.4% | ||
| Q1 25 | 0.4% | 2.8% | ||
| Q4 24 | 0.2% | 13.0% | ||
| Q3 24 | 0.4% | 6.0% | ||
| Q2 24 | 0.4% | 3.1% | ||
| Q1 24 | 0.9% | 3.1% |
现金转化率FICOHOG
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | -0.25× | ||
| Q2 25 | 1.57× | 3.42× | ||
| Q1 25 | 0.46× | 1.06× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 2.97× | ||
| Q2 24 | 1.69× | 2.17× | ||
| Q1 24 | 0.55× | 0.44× |
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% |
HOG
| Motorcycles | $193.9M | 50% |
| Other | $63.8M | 16% |
| Other Income Financial Services | $59.8M | 15% |
| Apparel | $47.2M | 12% |
| Livewire Segment | $11.4M | 3% |
