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Fair Isaac（FICO）与Kosmos Energy Ltd.（KOS）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Kosmos Energy Ltd.的1.7倍（$512.0M vs $294.6M），Fair Isaac同比增速更快（16.4% vs -25.9%），过去两年Fair Isaac的营收复合增速更高（8.6% vs -16.5%）
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。
科斯莫斯能源是一家美国上游石油企业，总部位于得克萨斯州达拉斯。公司目前在加纳、赤道几内亚近海以及墨西哥湾开展油气生产与开发业务，在毛里塔尼亚、塞内加尔近海拥有开发项目，还在纳米比亚、圣多美和普林西比、苏里南近海持有勘探许可。
FICO vs KOS — 直观对比
营收规模更大
FICO
是对方的1.7倍
$294.6M
营收增速更快
FICO
高出42.3%
-25.9%
两年增速更快
FICO
近两年复合增速
-16.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $294.6M |
| 净利润 | $158.4M | — |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | -125.7% |
| 净利率 | 30.9% | — |
| 营收同比 | 16.4% | -25.9% |
| 净利润同比 | 3.8% | — |
| 每股收益（稀释后） | $6.61 | $-0.80 |
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FICOKOS
| Q4 25 | $512.0M | $294.6M | ||
| Q3 25 | $515.8M | $311.0M | ||
| Q2 25 | $536.4M | $392.6M | ||
| Q1 25 | $498.7M | $290.1M | ||
| Q4 24 | $440.0M | $397.6M | ||
| Q3 24 | $453.8M | $407.8M | ||
| Q2 24 | $447.8M | $447.8M | ||
| Q1 24 | $433.8M | $422.3M |
净利润FICOKOS
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | $-124.3M | ||
| Q2 25 | $181.8M | $-87.7M | ||
| Q1 25 | $162.6M | $-110.6M | ||
| Q4 24 | $152.5M | — | ||
| Q3 24 | $135.7M | $45.0M | ||
| Q2 24 | $126.3M | $59.8M | ||
| Q1 24 | $129.8M | $91.7M |
毛利率FICOKOS
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | — | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | — |
营业利润率FICOKOS
| Q4 25 | 45.7% | -125.7% | ||
| Q3 25 | 46.0% | -34.2% | ||
| Q2 25 | 48.9% | -16.2% | ||
| Q1 25 | 49.3% | -32.4% | ||
| Q4 24 | 40.8% | -8.5% | ||
| Q3 24 | 43.4% | 26.1% | ||
| Q2 24 | 42.5% | 30.2% | ||
| Q1 24 | 44.9% | 33.6% |
净利率FICOKOS
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | -40.0% | ||
| Q2 25 | 33.9% | -22.3% | ||
| Q1 25 | 32.6% | -38.1% | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 29.9% | 11.0% | ||
| Q2 24 | 28.2% | 13.3% | ||
| Q1 24 | 29.9% | 21.7% |
每股收益（稀释后）FICOKOS
| Q4 25 | $6.61 | $-0.80 | ||
| Q3 25 | $6.41 | $-0.26 | ||
| Q2 25 | $7.40 | $-0.18 | ||
| Q1 25 | $6.59 | $-0.23 | ||
| Q4 24 | $6.14 | $0.00 | ||
| Q3 24 | $5.44 | $0.09 | ||
| Q2 24 | $5.05 | $0.12 | ||
| Q1 24 | $5.16 | $0.19 |
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 | $91.5M |
| 总债务越低越好 | $3.2B | $3.1B |
| 股东权益账面价值 | $-1.8B | $528.6M |
| 总资产 | $1.9B | $4.7B |
| 负债/权益比越低杠杆越低 | — | 5.78× |
8季度趋势，按日历期对齐
现金及短期投资FICOKOS
| Q4 25 | $162.0M | $91.5M | ||
| Q3 25 | $134.1M | $64.0M | ||
| Q2 25 | $189.0M | $51.7M | ||
| Q1 25 | $146.6M | $49.8M | ||
| Q4 24 | $184.3M | $85.0M | ||
| Q3 24 | $150.7M | $51.6M | ||
| Q2 24 | $156.0M | $173.8M | ||
| Q1 24 | $135.7M | $254.3M |
总债务FICOKOS
| Q4 25 | $3.2B | $3.1B | ||
| Q3 25 | $3.1B | $3.0B | ||
| Q2 25 | $2.8B | $2.9B | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $2.7B | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOKOS
| Q4 25 | $-1.8B | $528.6M | ||
| Q3 25 | $-1.7B | $898.8M | ||
| Q2 25 | $-1.4B | $1.0B | ||
| Q1 25 | $-1.1B | $1.1B | ||
| Q4 24 | $-1.1B | $1.2B | ||
| Q3 24 | $-962.7M | $1.2B | ||
| Q2 24 | $-829.3M | $1.1B | ||
| Q1 24 | $-735.7M | $1.1B |
总资产FICOKOS
| Q4 25 | $1.9B | $4.7B | ||
| Q3 25 | $1.9B | $5.1B | ||
| Q2 25 | $1.9B | $5.2B | ||
| Q1 25 | $1.8B | $5.3B | ||
| Q4 24 | $1.7B | $5.3B | ||
| Q3 24 | $1.7B | $5.5B | ||
| Q2 24 | $1.7B | $5.4B | ||
| Q1 24 | $1.7B | $5.4B |
负债/权益比FICOKOS
| Q4 25 | — | 5.78× | ||
| Q3 25 | — | 3.31× | ||
| Q2 25 | — | 2.80× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.29× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $35.3M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | — |
| 自由现金流率自由现金流/营收 | 34.0% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流FICOKOS
| Q4 25 | $174.1M | $35.3M | ||
| Q3 25 | $223.7M | $-27.6M | ||
| Q2 25 | $286.2M | $127.2M | ||
| Q1 25 | $74.9M | $-888.0K | ||
| Q4 24 | $194.0M | $175.7M | ||
| Q3 24 | $226.5M | $6.3M | ||
| Q2 24 | $213.3M | $223.7M | ||
| Q1 24 | $71.0M | $272.6M |
自由现金流FICOKOS
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | — | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | — |
自由现金流率FICOKOS
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | — | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | — |
资本支出强度FICOKOS
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | — |
现金转化率FICOKOS
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 0.14× | ||
| Q2 24 | 1.69× | 3.74× | ||
| Q1 24 | 0.55× | 2.97× |
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% |
KOS
| Ghana Segment | $134.6M | 46% |
| Gulf Of America | $80.7M | 27% |
| Mauritania And Senegal | $54.9M | 19% |
| Equatorial Guinea Segment | $24.3M | 8% |
