vs
Fair Isaac（FICO）与JBT Marel Corp（JBTM）财务数据对比。点击上方公司名可切换其他公司
JBT Marel Corp的季度营收约是Fair Isaac的2.0倍（$1.0B vs $512.0M），Fair Isaac净利率更高（30.9% vs 5.3%，领先25.7%），JBT Marel Corp同比增速更快（115.6% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $83.5M），过去两年JBT Marel Corp的营收复合增速更高（60.3% 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。
JBT Marel Corp（原称JBT公司、约翰宾技术公司）是主营食品加工机械及自动化车辆的企业，2008年由FMC技术公司拆分非能源业务独立注册成立，总部位于美国伊利诺伊州芝加哥，发展历史可追溯至1884年加州洛斯加托斯果园主约翰·宾创办的企业。
FICO vs JBTM — 直观对比
营收规模更大
JBTM
是对方的2.0倍
$512.0M
营收增速更快
JBTM
高出99.2%
16.4%
净利率更高
FICO
高出25.7%
5.3%
自由现金流更多
FICO
多$90.4M
$83.5M
两年增速更快
JBTM
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $1.0B |
| 净利润 | $158.4M | $53.1M |
| 毛利率 | 83.0% | 34.5% |
| 营业利润率 | 45.7% | 7.2% |
| 净利率 | 30.9% | 5.3% |
| 营收同比 | 16.4% | 115.6% |
| 净利润同比 | 3.8% | 858.6% |
| 每股收益（稀释后） | $6.61 | $1.04 |
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FICOJBTM
| Q4 25 | $512.0M | $1.0B | ||
| Q3 25 | $515.8M | $1.0B | ||
| Q2 25 | $536.4M | $934.8M | ||
| Q1 25 | $498.7M | $854.1M | ||
| Q4 24 | $440.0M | $467.6M | ||
| Q3 24 | $453.8M | $453.8M | ||
| Q2 24 | $447.8M | $402.3M | ||
| Q1 24 | $433.8M | $392.3M |
净利润FICOJBTM
| Q4 25 | $158.4M | $53.1M | ||
| Q3 25 | $155.0M | $66.0M | ||
| Q2 25 | $181.8M | $3.4M | ||
| Q1 25 | $162.6M | $-173.0M | ||
| Q4 24 | $152.5M | $-7.0M | ||
| Q3 24 | $135.7M | $38.9M | ||
| Q2 24 | $126.3M | $30.7M | ||
| Q1 24 | $129.8M | $22.8M |
毛利率FICOJBTM
| Q4 25 | 83.0% | 34.5% | ||
| Q3 25 | 82.3% | 35.9% | ||
| Q2 25 | 83.7% | 35.8% | ||
| Q1 25 | 82.4% | 34.2% | ||
| Q4 24 | 80.1% | 38.4% | ||
| Q3 24 | 80.3% | 36.1% | ||
| Q2 24 | 80.3% | 35.6% | ||
| Q1 24 | 80.0% | 35.8% |
营业利润率FICOJBTM
| Q4 25 | 45.7% | 7.2% | ||
| Q3 25 | 46.0% | 10.2% | ||
| Q2 25 | 48.9% | 5.2% | ||
| Q1 25 | 49.3% | -3.9% | ||
| Q4 24 | 40.8% | 3.4% | ||
| Q3 24 | 43.4% | 10.3% | ||
| Q2 24 | 42.5% | 6.7% | ||
| Q1 24 | 44.9% | 7.4% |
净利率FICOJBTM
| Q4 25 | 30.9% | 5.3% | ||
| Q3 25 | 30.1% | 6.6% | ||
| Q2 25 | 33.9% | 0.4% | ||
| Q1 25 | 32.6% | -20.3% | ||
| Q4 24 | 34.7% | -1.5% | ||
| Q3 24 | 29.9% | 8.6% | ||
| Q2 24 | 28.2% | 7.6% | ||
| Q1 24 | 29.9% | 5.8% |
每股收益（稀释后）FICOJBTM
| Q4 25 | $6.61 | $1.04 | ||
| Q3 25 | $6.41 | $1.26 | ||
| Q2 25 | $7.40 | $0.07 | ||
| Q1 25 | $6.59 | $-3.35 | ||
| Q4 24 | $6.14 | $-0.22 | ||
| Q3 24 | $5.44 | $1.21 | ||
| Q2 24 | $5.05 | $0.95 | ||
| Q1 24 | $5.16 | $0.71 |
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 | $167.9M |
| 总债务越低越好 | $3.2B | $1.5B |
| 股东权益账面价值 | $-1.8B | $4.5B |
| 总资产 | $1.9B | $8.2B |
| 负债/权益比越低杠杆越低 | — | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资FICOJBTM
| Q4 25 | $162.0M | $167.9M | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | — | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $1.2B | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — | ||
| Q1 24 | $135.7M | — |
总债务FICOJBTM
| Q4 25 | $3.2B | $1.5B | ||
| Q3 25 | $3.1B | $1.5B | ||
| Q2 25 | $2.8B | $1.5B | ||
| Q1 25 | $2.5B | $2.0B | ||
| Q4 24 | $2.4B | $1.3B | ||
| Q3 24 | $2.2B | $648.3M | ||
| Q2 24 | $2.1B | $647.7M | ||
| Q1 24 | $2.0B | $647.0M |
股东权益FICOJBTM
| Q4 25 | $-1.8B | $4.5B | ||
| Q3 25 | $-1.7B | $4.4B | ||
| Q2 25 | $-1.4B | $4.4B | ||
| Q1 25 | $-1.1B | $4.1B | ||
| Q4 24 | $-1.1B | $1.5B | ||
| Q3 24 | $-962.7M | $1.6B | ||
| Q2 24 | $-829.3M | $1.5B | ||
| Q1 24 | $-735.7M | $1.5B |
总资产FICOJBTM
| Q4 25 | $1.9B | $8.2B | ||
| Q3 25 | $1.9B | $8.2B | ||
| Q2 25 | $1.9B | $8.3B | ||
| Q1 25 | $1.8B | $8.0B | ||
| Q4 24 | $1.7B | $3.4B | ||
| Q3 24 | $1.7B | $2.8B | ||
| Q2 24 | $1.7B | $2.7B | ||
| Q1 24 | $1.7B | $2.7B |
负债/权益比FICOJBTM
| Q4 25 | — | 0.33× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.35× | ||
| Q1 25 | — | 0.48× | ||
| Q4 24 | — | 0.81× | ||
| Q3 24 | — | 0.41× | ||
| Q2 24 | — | 0.43× | ||
| Q1 24 | — | 0.43× |
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 | $117.4M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $83.5M |
| 自由现金流率自由现金流/营收 | 34.0% | 8.3% |
| 资本支出强度资本支出/营收 | 0.0% | 3.4% |
| 现金转化率经营现金流/净利润 | 1.10× | 2.21× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $238.1M |
8季度趋势，按日历期对齐
经营现金流FICOJBTM
| Q4 25 | $174.1M | $117.4M | ||
| Q3 25 | $223.7M | $87.7M | ||
| Q2 25 | $286.2M | $102.2M | ||
| Q1 25 | $74.9M | $34.4M | ||
| Q4 24 | $194.0M | $128.7M | ||
| Q3 24 | $226.5M | $71.9M | ||
| Q2 24 | $213.3M | $21.6M | ||
| Q1 24 | $71.0M | $10.4M |
自由现金流FICOJBTM
| Q4 25 | $173.9M | $83.5M | ||
| Q3 25 | $219.5M | $56.5M | ||
| Q2 25 | $284.4M | $83.7M | ||
| Q1 25 | $72.8M | $14.4M | ||
| Q4 24 | $193.2M | $118.7M | ||
| Q3 24 | $224.7M | $65.0M | ||
| Q2 24 | $211.6M | $11.1M | ||
| Q1 24 | $67.0M | $-100.0K |
自由现金流率FICOJBTM
| Q4 25 | 34.0% | 8.3% | ||
| Q3 25 | 42.6% | 5.6% | ||
| Q2 25 | 53.0% | 9.0% | ||
| Q1 25 | 14.6% | 1.7% | ||
| Q4 24 | 43.9% | 25.4% | ||
| Q3 24 | 49.5% | 14.3% | ||
| Q2 24 | 47.2% | 2.8% | ||
| Q1 24 | 15.4% | -0.0% |
资本支出强度FICOJBTM
| Q4 25 | 0.0% | 3.4% | ||
| Q3 25 | 0.8% | 3.1% | ||
| Q2 25 | 0.3% | 2.0% | ||
| Q1 25 | 0.4% | 2.3% | ||
| Q4 24 | 0.2% | 2.1% | ||
| Q3 24 | 0.4% | 1.5% | ||
| Q2 24 | 0.4% | 2.6% | ||
| Q1 24 | 0.9% | 2.7% |
现金转化率FICOJBTM
| Q4 25 | 1.10× | 2.21× | ||
| Q3 25 | 1.44× | 1.33× | ||
| Q2 25 | 1.57× | 30.06× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 1.85× | ||
| Q2 24 | 1.69× | 0.70× | ||
| Q1 24 | 0.55× | 0.46× |
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% |
JBTM
暂无分部数据
