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Fair Isaac（FICO）与J&J SNACK FOODS CORP（JJSF）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J&J SNACK FOODS CORP的1.5倍（$512.0M vs $343.8M），Fair Isaac净利率更高（30.9% vs 0.3%，领先30.7%），Fair Isaac同比增速更快（16.4% vs -5.2%），Fair Isaac自由现金流更多（$173.9M vs $17.0M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -2.2%）
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。
强生休闲食品公司（J&J Snack Foods Corp.）是美国知名的品牌休闲食品与冷冻饮品生产商、营销商及分销商，总部位于新泽西州芒特劳雷尔，在全美44个州、墨西哥及加拿大设有超175个生产、仓储及配送设施，于纳斯达克全球精选市场上市，业务覆盖国内外市场。
FICO vs JJSF — 直观对比
营收规模更大
FICO
是对方的1.5倍
$343.8M
营收增速更快
FICO
高出21.6%
-5.2%
净利率更高
FICO
高出30.7%
0.3%
自由现金流更多
FICO
多$156.9M
$17.0M
两年增速更快
FICO
近两年复合增速
-2.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $343.8M |
| 净利润 | $158.4M | $883.0K |
| 毛利率 | 83.0% | 27.9% |
| 营业利润率 | 45.7% | 0.2% |
| 净利率 | 30.9% | 0.3% |
| 营收同比 | 16.4% | -5.2% |
| 净利润同比 | 3.8% | -82.8% |
| 每股收益（稀释后） | $6.61 | $0.05 |
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FICOJJSF
| Q4 25 | $512.0M | $343.8M | ||
| Q3 25 | $515.8M | $410.2M | ||
| Q2 25 | $536.4M | $454.3M | ||
| Q1 25 | $498.7M | $356.1M | ||
| Q4 24 | $440.0M | $362.6M | ||
| Q3 24 | $453.8M | $426.8M | ||
| Q2 24 | $447.8M | $440.0M | ||
| Q1 24 | $433.8M | $359.7M |
净利润FICOJJSF
| Q4 25 | $158.4M | $883.0K | ||
| Q3 25 | $155.0M | $11.4M | ||
| Q2 25 | $181.8M | $44.2M | ||
| Q1 25 | $162.6M | $4.8M | ||
| Q4 24 | $152.5M | $5.1M | ||
| Q3 24 | $135.7M | $29.6M | ||
| Q2 24 | $126.3M | $36.3M | ||
| Q1 24 | $129.8M | $13.3M |
毛利率FICOJJSF
| Q4 25 | 83.0% | 27.9% | ||
| Q3 25 | 82.3% | 31.7% | ||
| Q2 25 | 83.7% | 33.0% | ||
| Q1 25 | 82.4% | 26.9% | ||
| Q4 24 | 80.1% | 25.9% | ||
| Q3 24 | 80.3% | 31.8% | ||
| Q2 24 | 80.3% | 33.6% | ||
| Q1 24 | 80.0% | 30.1% |
营业利润率FICOJJSF
| Q4 25 | 45.7% | 0.2% | ||
| Q3 25 | 46.0% | 2.8% | ||
| Q2 25 | 48.9% | 13.3% | ||
| Q1 25 | 49.3% | 1.7% | ||
| Q4 24 | 40.8% | 1.7% | ||
| Q3 24 | 43.4% | 9.3% | ||
| Q2 24 | 42.5% | 11.4% | ||
| Q1 24 | 44.9% | 5.0% |
净利率FICOJJSF
| Q4 25 | 30.9% | 0.3% | ||
| Q3 25 | 30.1% | 2.8% | ||
| Q2 25 | 33.9% | 9.7% | ||
| Q1 25 | 32.6% | 1.4% | ||
| Q4 24 | 34.7% | 1.4% | ||
| Q3 24 | 29.9% | 6.9% | ||
| Q2 24 | 28.2% | 8.3% | ||
| Q1 24 | 29.9% | 3.7% |
每股收益（稀释后）FICOJJSF
| Q4 25 | $6.61 | $0.05 | ||
| Q3 25 | $6.41 | $0.59 | ||
| Q2 25 | $7.40 | $2.26 | ||
| Q1 25 | $6.59 | $0.25 | ||
| Q4 24 | $6.14 | $0.26 | ||
| Q3 24 | $5.44 | $1.52 | ||
| Q2 24 | $5.05 | $1.87 | ||
| Q1 24 | $5.16 | $0.69 |
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 | $66.8M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $912.9M |
| 总资产 | $1.9B | $1.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FICOJJSF
| Q4 25 | $162.0M | $66.8M | ||
| Q3 25 | $134.1M | $105.9M | ||
| Q2 25 | $189.0M | $77.4M | ||
| Q1 25 | $146.6M | $48.5M | ||
| Q4 24 | $184.3M | $73.6M | ||
| Q3 24 | $150.7M | $73.4M | ||
| Q2 24 | $156.0M | $64.0M | ||
| Q1 24 | $135.7M | $43.6M |
总债务FICOJJSF
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOJJSF
| Q4 25 | $-1.8B | $912.9M | ||
| Q3 25 | $-1.7B | $966.7M | ||
| Q2 25 | $-1.4B | $969.9M | ||
| Q1 25 | $-1.1B | $935.0M | ||
| Q4 24 | $-1.1B | $946.8M | ||
| Q3 24 | $-962.7M | $957.0M | ||
| Q2 24 | $-829.3M | $937.9M | ||
| Q1 24 | $-735.7M | $915.7M |
总资产FICOJJSF
| Q4 25 | $1.9B | $1.3B | ||
| Q3 25 | $1.9B | $1.4B | ||
| Q2 25 | $1.9B | $1.4B | ||
| Q1 25 | $1.8B | $1.4B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.7B | $1.4B | ||
| Q2 24 | $1.7B | $1.4B | ||
| Q1 24 | $1.7B | $1.3B |
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 | $36.0M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $17.0M |
| 自由现金流率自由现金流/营收 | 34.0% | 4.9% |
| 资本支出强度资本支出/营收 | 0.0% | 5.5% |
| 现金转化率经营现金流/净利润 | 1.10× | 40.73× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $83.1M |
8季度趋势，按日历期对齐
经营现金流FICOJJSF
| Q4 25 | $174.1M | $36.0M | ||
| Q3 25 | $223.7M | $66.4M | ||
| Q2 25 | $286.2M | $51.2M | ||
| Q1 25 | $74.9M | $12.3M | ||
| Q4 24 | $194.0M | $35.2M | ||
| Q3 24 | $226.5M | $46.3M | ||
| Q2 24 | $213.3M | $65.0M | ||
| Q1 24 | $71.0M | $12.7M |
自由现金流FICOJJSF
| Q4 25 | $173.9M | $17.0M | ||
| Q3 25 | $219.5M | $44.8M | ||
| Q2 25 | $284.4M | $28.5M | ||
| Q1 25 | $72.8M | $-7.2M | ||
| Q4 24 | $193.2M | $16.1M | ||
| Q3 24 | $224.7M | $29.1M | ||
| Q2 24 | $211.6M | $45.3M | ||
| Q1 24 | $67.0M | $-4.0M |
自由现金流率FICOJJSF
| Q4 25 | 34.0% | 4.9% | ||
| Q3 25 | 42.6% | 10.9% | ||
| Q2 25 | 53.0% | 6.3% | ||
| Q1 25 | 14.6% | -2.0% | ||
| Q4 24 | 43.9% | 4.4% | ||
| Q3 24 | 49.5% | 6.8% | ||
| Q2 24 | 47.2% | 10.3% | ||
| Q1 24 | 15.4% | -1.1% |
资本支出强度FICOJJSF
| Q4 25 | 0.0% | 5.5% | ||
| Q3 25 | 0.8% | 5.3% | ||
| Q2 25 | 0.3% | 5.0% | ||
| Q1 25 | 0.4% | 5.5% | ||
| Q4 24 | 0.2% | 5.3% | ||
| Q3 24 | 0.4% | 4.0% | ||
| Q2 24 | 0.4% | 4.5% | ||
| Q1 24 | 0.9% | 4.6% |
现金转化率FICOJJSF
| Q4 25 | 1.10× | 40.73× | ||
| Q3 25 | 1.44× | 5.84× | ||
| Q2 25 | 1.57× | 1.16× | ||
| Q1 25 | 0.46× | 2.55× | ||
| Q4 24 | 1.27× | 6.84× | ||
| Q3 24 | 1.67× | 1.56× | ||
| Q2 24 | 1.69× | 1.79× | ||
| Q1 24 | 0.55× | 0.96× |
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% |
JJSF
| Food Service | $219.2M | 64% |
| Frozen Beverages | $78.7M | 23% |
| Repair And Maintenance Service | $22.5M | 7% |
| Other | $12.7M | 4% |
| Machine Sales | $10.7M | 3% |
