vs
Fair Isaac（FICO）与朗美通（LITE）财务数据对比。点击上方公司名可切换其他公司
朗美通的季度营收约是Fair Isaac的1.3倍（$665.5M vs $512.0M），Fair Isaac净利率更高（30.9% vs 11.8%，领先19.2%），朗美通同比增速更快（65.5% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $43.1M），过去两年朗美通的营收复合增速更高（34.8% 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。
朗美通控股（Lumentum Holdings Inc.）是全球知名光电产品供应商，前身为美国捷迪讯（JDSU）旗下光电器件及激光业务板块，2015年8月随捷迪讯分拆独立运营，总部位于美国加利福尼亚州米尔皮塔斯，主营光通信网络设备、激光器、定制光学解决方案等多元产品。
FICO vs LITE — 直观对比
营收规模更大
LITE
是对方的1.3倍
$512.0M
营收增速更快
LITE
高出49.1%
16.4%
净利率更高
FICO
高出19.2%
11.8%
自由现金流更多
FICO
多$130.8M
$43.1M
两年增速更快
LITE
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $665.5M |
| 净利润 | $158.4M | $78.2M |
| 毛利率 | 83.0% | 36.1% |
| 营业利润率 | 45.7% | 9.7% |
| 净利率 | 30.9% | 11.8% |
| 营收同比 | 16.4% | 65.5% |
| 净利润同比 | 3.8% | 228.4% |
| 每股收益（稀释后） | $6.61 | $0.89 |
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FICOLITE
| Q4 25 | $512.0M | $665.5M | ||
| Q3 25 | $515.8M | $533.8M | ||
| Q2 25 | $536.4M | $480.7M | ||
| Q1 25 | $498.7M | $425.2M | ||
| Q4 24 | $440.0M | $402.2M | ||
| Q3 24 | $453.8M | $336.9M | ||
| Q2 24 | $447.8M | $308.3M | ||
| Q1 24 | $433.8M | $366.5M |
净利润FICOLITE
| Q4 25 | $158.4M | $78.2M | ||
| Q3 25 | $155.0M | $4.2M | ||
| Q2 25 | $181.8M | $213.3M | ||
| Q1 25 | $162.6M | $-44.1M | ||
| Q4 24 | $152.5M | $-60.9M | ||
| Q3 24 | $135.7M | $-82.4M | ||
| Q2 24 | $126.3M | $-252.5M | ||
| Q1 24 | $129.8M | $-127.0M |
毛利率FICOLITE
| Q4 25 | 83.0% | 36.1% | ||
| Q3 25 | 82.3% | 34.0% | ||
| Q2 25 | 83.7% | 33.3% | ||
| Q1 25 | 82.4% | 28.8% | ||
| Q4 24 | 80.1% | 24.8% | ||
| Q3 24 | 80.3% | 23.1% | ||
| Q2 24 | 80.3% | 16.6% | ||
| Q1 24 | 80.0% | 16.2% |
营业利润率FICOLITE
| Q4 25 | 45.7% | 9.7% | ||
| Q3 25 | 46.0% | 1.3% | ||
| Q2 25 | 48.9% | -1.7% | ||
| Q1 25 | 49.3% | -8.9% | ||
| Q4 24 | 40.8% | -12.8% | ||
| Q3 24 | 43.4% | -24.5% | ||
| Q2 24 | 42.5% | -43.3% | ||
| Q1 24 | 44.9% | -31.3% |
净利率FICOLITE
| Q4 25 | 30.9% | 11.8% | ||
| Q3 25 | 30.1% | 0.8% | ||
| Q2 25 | 33.9% | 44.4% | ||
| Q1 25 | 32.6% | -10.4% | ||
| Q4 24 | 34.7% | -15.1% | ||
| Q3 24 | 29.9% | -24.5% | ||
| Q2 24 | 28.2% | -81.9% | ||
| Q1 24 | 29.9% | -34.7% |
每股收益（稀释后）FICOLITE
| Q4 25 | $6.61 | $0.89 | ||
| Q3 25 | $6.41 | $0.05 | ||
| Q2 25 | $7.40 | $3.10 | ||
| Q1 25 | $6.59 | $-0.64 | ||
| Q4 24 | $6.14 | $-0.88 | ||
| Q3 24 | $5.44 | $-1.21 | ||
| Q2 24 | $5.05 | $-3.75 | ||
| Q1 24 | $5.16 | $-1.88 |
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 | $1.2B |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $846.6M |
| 总资产 | $1.9B | $4.8B |
| 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FICOLITE
| Q4 25 | $162.0M | $1.2B | ||
| Q3 25 | $134.1M | $1.1B | ||
| Q2 25 | $189.0M | $877.1M | ||
| Q1 25 | $146.6M | $866.7M | ||
| Q4 24 | $184.3M | $896.7M | ||
| Q3 24 | $150.7M | $916.1M | ||
| Q2 24 | $156.0M | $887.0M | ||
| Q1 24 | $135.7M | $870.9M |
总债务FICOLITE
| 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FICOLITE
| Q4 25 | $-1.8B | $846.6M | ||
| Q3 25 | $-1.7B | $780.8M | ||
| Q2 25 | $-1.4B | $1.1B | ||
| Q1 25 | $-1.1B | $879.5M | ||
| Q4 24 | $-1.1B | $872.3M | ||
| Q3 24 | $-962.7M | $895.9M | ||
| Q2 24 | $-829.3M | $957.3M | ||
| Q1 24 | $-735.7M | $1.2B |
总资产FICOLITE
| Q4 25 | $1.9B | $4.8B | ||
| Q3 25 | $1.9B | $4.6B | ||
| Q2 25 | $1.9B | $4.2B | ||
| Q1 25 | $1.8B | $4.0B | ||
| Q4 24 | $1.7B | $4.0B | ||
| Q3 24 | $1.7B | $4.0B | ||
| Q2 24 | $1.7B | $3.9B | ||
| Q1 24 | $1.7B | $4.2B |
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 | $126.7M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $43.1M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.5% |
| 资本支出强度资本支出/营收 | 0.0% | 12.6% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.62× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $-29.5M |
8季度趋势，按日历期对齐
经营现金流FICOLITE
| Q4 25 | $174.1M | $126.7M | ||
| Q3 25 | $223.7M | $57.9M | ||
| Q2 25 | $286.2M | $64.0M | ||
| Q1 25 | $74.9M | $-1.6M | ||
| Q4 24 | $194.0M | $24.3M | ||
| Q3 24 | $226.5M | $39.6M | ||
| Q2 24 | $213.3M | $35.5M | ||
| Q1 24 | $71.0M | $-7.0M |
自由现金流FICOLITE
| Q4 25 | $173.9M | $43.1M | ||
| Q3 25 | $219.5M | $-18.3M | ||
| Q2 25 | $284.4M | $10.1M | ||
| Q1 25 | $72.8M | $-64.4M | ||
| Q4 24 | $193.2M | $-15.9M | ||
| Q3 24 | $224.7M | $-34.5M | ||
| Q2 24 | $211.6M | $10.9M | ||
| Q1 24 | $67.0M | $-26.6M |
自由现金流率FICOLITE
| Q4 25 | 34.0% | 6.5% | ||
| Q3 25 | 42.6% | -3.4% | ||
| Q2 25 | 53.0% | 2.1% | ||
| Q1 25 | 14.6% | -15.1% | ||
| Q4 24 | 43.9% | -4.0% | ||
| Q3 24 | 49.5% | -10.2% | ||
| Q2 24 | 47.2% | 3.5% | ||
| Q1 24 | 15.4% | -7.3% |
资本支出强度FICOLITE
| Q4 25 | 0.0% | 12.6% | ||
| Q3 25 | 0.8% | 14.3% | ||
| Q2 25 | 0.3% | 11.2% | ||
| Q1 25 | 0.4% | 14.8% | ||
| Q4 24 | 0.2% | 10.0% | ||
| Q3 24 | 0.4% | 22.0% | ||
| Q2 24 | 0.4% | 8.0% | ||
| Q1 24 | 0.9% | 5.3% |
现金转化率FICOLITE
| Q4 25 | 1.10× | 1.62× | ||
| Q3 25 | 1.44× | 13.79× | ||
| Q2 25 | 1.57× | 0.30× | ||
| 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% |
LITE
| Components | $443.7M | 67% |
| Systems | $221.8M | 33% |
