vs
Fair Isaac（FICO）与LANDS' END, INC.（LE）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LANDS' END, INC.的1.6倍（$512.0M vs $317.5M），Fair Isaac净利率更高（30.9% vs 1.6%，领先29.3%），Fair Isaac同比增速更快（16.4% vs 0.1%），Fair Isaac自由现金流更多（$173.9M vs $-22.4M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -0.9%）
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。
Lands' End是1963年诞生于美国芝加哥的服饰零售品牌，最初以邮购游艇用品起家，目前业务拓展至服饰、箱包与家居用品领域。截至2024年2月，品牌在美国本土共开设26家门店，总部位于威斯康星州道奇维尔。品牌名源自地名兰兹角，因创立时印刷错了撇号位置又无力重印，错拼的名称便沿用至今。
FICO vs LE — 直观对比
营收规模更大
FICO
是对方的1.6倍
$317.5M
营收增速更快
FICO
高出16.3%
0.1%
净利率更高
FICO
高出29.3%
1.6%
自由现金流更多
FICO
多$196.3M
$-22.4M
两年增速更快
FICO
近两年复合增速
-0.9%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $317.5M |
| 净利润 | $158.4M | $5.2M |
| 毛利率 | 83.0% | 51.8% |
| 营业利润率 | 45.7% | 5.3% |
| 净利率 | 30.9% | 1.6% |
| 营收同比 | 16.4% | 0.1% |
| 净利润同比 | 3.8% | 198.3% |
| 每股收益（稀释后） | $6.61 | $0.17 |
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FICOLE
| Q4 25 | $512.0M | $317.5M | ||
| Q3 25 | $515.8M | — | ||
| Q2 25 | $536.4M | $261.2M | ||
| Q1 25 | $498.7M | — | ||
| Q4 24 | $440.0M | $318.6M | ||
| Q3 24 | $453.8M | $317.2M | ||
| Q2 24 | $447.8M | $285.5M | ||
| Q1 24 | $433.8M | $514.9M |
净利润FICOLE
| Q4 25 | $158.4M | $5.2M | ||
| Q3 25 | $155.0M | — | ||
| Q2 25 | $181.8M | $-8.3M | ||
| Q1 25 | $162.6M | — | ||
| Q4 24 | $152.5M | $-593.0K | ||
| Q3 24 | $135.7M | $-5.3M | ||
| Q2 24 | $126.3M | $-6.4M | ||
| Q1 24 | $129.8M | $-8.6M |
毛利率FICOLE
| Q4 25 | 83.0% | 51.8% | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | 50.8% | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | 50.6% | ||
| Q3 24 | 80.3% | 47.9% | ||
| Q2 24 | 80.3% | 48.7% | ||
| Q1 24 | 80.0% | 38.0% |
营业利润率FICOLE
| Q4 25 | 45.7% | 5.3% | ||
| Q3 25 | 46.0% | — | ||
| Q2 25 | 48.9% | -0.9% | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.8% | 2.9% | ||
| Q3 24 | 43.4% | 0.8% | ||
| Q2 24 | 42.5% | 0.8% | ||
| Q1 24 | 44.9% | 1.6% |
净利率FICOLE
| Q4 25 | 30.9% | 1.6% | ||
| Q3 25 | 30.1% | — | ||
| Q2 25 | 33.9% | -3.2% | ||
| Q1 25 | 32.6% | — | ||
| Q4 24 | 34.7% | -0.2% | ||
| Q3 24 | 29.9% | -1.7% | ||
| Q2 24 | 28.2% | -2.3% | ||
| Q1 24 | 29.9% | -1.7% |
每股收益（稀释后）FICOLE
| Q4 25 | $6.61 | $0.17 | ||
| Q3 25 | $6.41 | — | ||
| Q2 25 | $7.40 | $-0.27 | ||
| Q1 25 | $6.59 | — | ||
| Q4 24 | $6.14 | $-0.02 | ||
| Q3 24 | $5.44 | $-0.17 | ||
| Q2 24 | $5.05 | $-0.20 | ||
| Q1 24 | $5.16 | $-0.27 |
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 | $36.3M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $231.0M |
| 总资产 | $1.9B | $852.7M |
| 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FICOLE
| Q4 25 | $162.0M | $36.3M | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | $18.1M | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $30.4M | ||
| Q3 24 | $150.7M | $25.6M | ||
| Q2 24 | $156.0M | $27.4M | ||
| Q1 24 | $135.7M | $25.3M |
总债务FICOLE
| 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FICOLE
| Q4 25 | $-1.8B | $231.0M | ||
| Q3 25 | $-1.7B | — | ||
| Q2 25 | $-1.4B | $230.1M | ||
| Q1 25 | $-1.1B | — | ||
| Q4 24 | $-1.1B | $223.6M | ||
| Q3 24 | $-962.7M | $226.5M | ||
| Q2 24 | $-829.3M | $234.6M | ||
| Q1 24 | $-735.7M | $241.6M |
总资产FICOLE
| Q4 25 | $1.9B | $852.7M | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.9B | $760.5M | ||
| Q1 25 | $1.8B | — | ||
| Q4 24 | $1.7B | $843.6M | ||
| Q3 24 | $1.7B | $802.5M | ||
| Q2 24 | $1.7B | $800.1M | ||
| Q1 24 | $1.7B | $811.5M |
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 | $-15.7M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-22.4M |
| 自由现金流率自由现金流/营收 | 34.0% | -7.1% |
| 资本支出强度资本支出/营收 | 0.0% | 2.1% |
| 现金转化率经营现金流/净利润 | 1.10× | -3.03× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $-55.0M |
8季度趋势，按日历期对齐
经营现金流FICOLE
| Q4 25 | $174.1M | $-15.7M | ||
| Q3 25 | $223.7M | — | ||
| Q2 25 | $286.2M | $-22.5M | ||
| Q1 25 | $74.9M | — | ||
| Q4 24 | $194.0M | $-17.1M | ||
| Q3 24 | $226.5M | $30.7M | ||
| Q2 24 | $213.3M | $-25.8M | ||
| Q1 24 | $71.0M | $93.9M |
自由现金流FICOLE
| Q4 25 | $173.9M | $-22.4M | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | $-30.7M | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | $-27.8M | ||
| Q3 24 | $224.7M | $26.0M | ||
| Q2 24 | $211.6M | $-32.6M | ||
| Q1 24 | $67.0M | $87.5M |
自由现金流率FICOLE
| Q4 25 | 34.0% | -7.1% | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | -11.8% | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | -8.7% | ||
| Q3 24 | 49.5% | 8.2% | ||
| Q2 24 | 47.2% | -11.4% | ||
| Q1 24 | 15.4% | 17.0% |
资本支出强度FICOLE
| Q4 25 | 0.0% | 2.1% | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | 3.2% | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | 3.3% | ||
| Q3 24 | 0.4% | 1.5% | ||
| Q2 24 | 0.4% | 2.4% | ||
| Q1 24 | 0.9% | 1.2% |
现金转化率FICOLE
| Q4 25 | 1.10× | -3.03× | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | — | ||
| Q1 24 | 0.55× | — |
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% |
LE
| U Se Commerce | $179.8M | 57% |
| Business Outfitters Revenue | $78.8M | 25% |
| Licensing And Retail | $20.2M | 6% |
| Other | $19.8M | 6% |
| Third Party | $18.9M | 6% |
