vs
Fair Isaac（FICO）与KRONOS WORLDWIDE INC（KRO）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KRONOS WORLDWIDE INC的1.2倍（$512.0M vs $418.3M），Fair Isaac净利率更高（30.9% vs -19.8%，领先50.7%），Fair Isaac同比增速更快（16.4% vs -1.1%），Fair Isaac自由现金流更多（$173.9M vs $81.9M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -6.5%）
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。
克罗诺斯全球（原克罗诺斯公司）是一家美国跨国企业，总部位于美国马萨诸塞州洛厄尔，专注于提供劳动力管理与人力资本管理云服务，在全球拥有超过6000名员工，是该领域知名的服务提供商。
FICO vs KRO — 直观对比
营收规模更大
FICO
是对方的1.2倍
$418.3M
营收增速更快
FICO
高出17.5%
-1.1%
净利率更高
FICO
高出50.7%
-19.8%
自由现金流更多
FICO
多$92.0M
$81.9M
两年增速更快
FICO
近两年复合增速
-6.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $418.3M |
| 净利润 | $158.4M | $-82.8M |
| 毛利率 | 83.0% | -0.9% |
| 营业利润率 | 45.7% | -15.1% |
| 净利率 | 30.9% | -19.8% |
| 营收同比 | 16.4% | -1.1% |
| 净利润同比 | 3.8% | -527.3% |
| 每股收益（稀释后） | $6.61 | $-0.72 |
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FICOKRO
| Q4 25 | $512.0M | $418.3M | ||
| Q3 25 | $515.8M | $456.9M | ||
| Q2 25 | $536.4M | $494.4M | ||
| Q1 25 | $498.7M | $489.8M | ||
| Q4 24 | $440.0M | $423.1M | ||
| Q3 24 | $453.8M | $484.7M | ||
| Q2 24 | $447.8M | $500.5M | ||
| Q1 24 | $433.8M | $478.8M |
净利润FICOKRO
| Q4 25 | $158.4M | $-82.8M | ||
| Q3 25 | $155.0M | $-37.0M | ||
| Q2 25 | $181.8M | $-9.2M | ||
| Q1 25 | $162.6M | $18.1M | ||
| Q4 24 | $152.5M | $-13.2M | ||
| Q3 24 | $135.7M | $71.8M | ||
| Q2 24 | $126.3M | $19.5M | ||
| Q1 24 | $129.8M | $8.1M |
毛利率FICOKRO
| Q4 25 | 83.0% | -0.9% | ||
| Q3 25 | 82.3% | 10.3% | ||
| Q2 25 | 83.7% | 12.7% | ||
| Q1 25 | 82.4% | 21.8% | ||
| Q4 24 | 80.1% | 20.4% | ||
| Q3 24 | 80.3% | 20.9% | ||
| Q2 24 | 80.3% | 20.0% | ||
| Q1 24 | 80.0% | 14.9% |
营业利润率FICOKRO
| Q4 25 | 45.7% | -15.1% | ||
| Q3 25 | 46.0% | -4.2% | ||
| Q2 25 | 48.9% | 1.5% | ||
| Q1 25 | 49.3% | 7.8% | ||
| Q4 24 | 40.8% | 6.8% | ||
| Q3 24 | 43.4% | 8.0% | ||
| Q2 24 | 42.5% | 7.2% | ||
| Q1 24 | 44.9% | 4.1% |
净利率FICOKRO
| Q4 25 | 30.9% | -19.8% | ||
| Q3 25 | 30.1% | -8.1% | ||
| Q2 25 | 33.9% | -1.9% | ||
| Q1 25 | 32.6% | 3.7% | ||
| Q4 24 | 34.7% | -3.1% | ||
| Q3 24 | 29.9% | 14.8% | ||
| Q2 24 | 28.2% | 3.9% | ||
| Q1 24 | 29.9% | 1.7% |
每股收益（稀释后）FICOKRO
| Q4 25 | $6.61 | $-0.72 | ||
| Q3 25 | $6.41 | $-0.32 | ||
| Q2 25 | $7.40 | $-0.08 | ||
| Q1 25 | $6.59 | $0.16 | ||
| Q4 24 | $6.14 | $-0.11 | ||
| Q3 24 | $5.44 | $0.62 | ||
| Q2 24 | $5.05 | $0.17 | ||
| Q1 24 | $5.16 | $0.07 |
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 | $33.2M |
| 总债务越低越好 | $3.2B | $557.4M |
| 股东权益账面价值 | $-1.8B | $751.1M |
| 总资产 | $1.9B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 0.74× |
8季度趋势，按日历期对齐
现金及短期投资FICOKRO
| Q4 25 | $162.0M | $33.2M | ||
| Q3 25 | $134.1M | $27.7M | ||
| Q2 25 | $189.0M | $18.9M | ||
| Q1 25 | $146.6M | $20.5M | ||
| Q4 24 | $184.3M | $106.7M | ||
| Q3 24 | $150.7M | $94.8M | ||
| Q2 24 | $156.0M | $133.8M | ||
| Q1 24 | $135.7M | $120.7M |
总债务FICOKRO
| Q4 25 | $3.2B | $557.4M | ||
| Q3 25 | $3.1B | $626.2M | ||
| Q2 25 | $2.8B | $589.3M | ||
| Q1 25 | $2.5B | $557.2M | ||
| Q4 24 | $2.4B | $507.4M | ||
| Q3 24 | $2.2B | $554.3M | ||
| Q2 24 | $2.1B | $423.7M | ||
| Q1 24 | $2.0B | $426.9M |
股东权益FICOKRO
| Q4 25 | $-1.8B | $751.1M | ||
| Q3 25 | $-1.7B | $804.7M | ||
| Q2 25 | $-1.4B | $846.8M | ||
| Q1 25 | $-1.1B | $847.0M | ||
| Q4 24 | $-1.1B | $817.0M | ||
| Q3 24 | $-962.7M | $847.4M | ||
| Q2 24 | $-829.3M | $774.6M | ||
| Q1 24 | $-735.7M | $774.4M |
总资产FICOKRO
| Q4 25 | $1.9B | $1.8B | ||
| Q3 25 | $1.9B | $1.9B | ||
| Q2 25 | $1.9B | $1.9B | ||
| Q1 25 | $1.8B | $1.9B | ||
| Q4 24 | $1.7B | $1.9B | ||
| Q3 24 | $1.7B | $1.9B | ||
| Q2 24 | $1.7B | $1.7B | ||
| Q1 24 | $1.7B | $1.7B |
负债/权益比FICOKRO
| Q4 25 | — | 0.74× | ||
| Q3 25 | — | 0.78× | ||
| Q2 25 | — | 0.70× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.65× | ||
| Q2 24 | — | 0.55× | ||
| Q1 24 | — | 0.55× |
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 | $92.1M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $81.9M |
| 自由现金流率自由现金流/营收 | 34.0% | 19.6% |
| 资本支出强度资本支出/营收 | 0.0% | 2.4% |
| 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 | $-40.4M |
8季度趋势，按日历期对齐
经营现金流FICOKRO
| Q4 25 | $174.1M | $92.1M | ||
| Q3 25 | $223.7M | $-7.9M | ||
| Q2 25 | $286.2M | $20.7M | ||
| Q1 25 | $74.9M | $-102.4M | ||
| Q4 24 | $194.0M | $49.3M | ||
| Q3 24 | $226.5M | $28.3M | ||
| Q2 24 | $213.3M | $38.2M | ||
| Q1 24 | $71.0M | $-43.3M |
自由现金流FICOKRO
| Q4 25 | $173.9M | $81.9M | ||
| Q3 25 | $219.5M | $-17.4M | ||
| Q2 25 | $284.4M | $9.5M | ||
| Q1 25 | $72.8M | $-114.4M | ||
| Q4 24 | $193.2M | $37.0M | ||
| Q3 24 | $224.7M | $19.2M | ||
| Q2 24 | $211.6M | $34.8M | ||
| Q1 24 | $67.0M | $-48.0M |
自由现金流率FICOKRO
| Q4 25 | 34.0% | 19.6% | ||
| Q3 25 | 42.6% | -3.8% | ||
| Q2 25 | 53.0% | 1.9% | ||
| Q1 25 | 14.6% | -23.4% | ||
| Q4 24 | 43.9% | 8.7% | ||
| Q3 24 | 49.5% | 4.0% | ||
| Q2 24 | 47.2% | 7.0% | ||
| Q1 24 | 15.4% | -10.0% |
资本支出强度FICOKRO
| Q4 25 | 0.0% | 2.4% | ||
| Q3 25 | 0.8% | 2.1% | ||
| Q2 25 | 0.3% | 2.3% | ||
| Q1 25 | 0.4% | 2.4% | ||
| Q4 24 | 0.2% | 2.9% | ||
| Q3 24 | 0.4% | 1.9% | ||
| Q2 24 | 0.4% | 0.7% | ||
| Q1 24 | 0.9% | 1.0% |
现金转化率FICOKRO
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | -5.66× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 0.39× | ||
| Q2 24 | 1.69× | 1.96× | ||
| Q1 24 | 0.55× | -5.35× |
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% |
KRO
暂无分部数据
