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Fair Isaac（FICO）与MACERICH CO（MAC）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MACERICH CO的2.0倍（$512.0M vs $261.7M），Fair Isaac净利率更高（30.9% vs -7.2%，领先38.1%），Fair Isaac同比增速更快（16.4% vs -4.4%），过去两年MACERICH CO的营收复合增速更高（12.0% 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。
Macerich是一家专注于购物中心投资的房地产投资信托基金，为美国第三大购物中心持有及运营商。截至2024年12月31日，公司共持有43处物业的权益，可租赁总面积达4300万平方英尺，公司名称由创始人Mace Siegel与Richard Cohen的名字组合而来。
FICO vs MAC — 直观对比
营收规模更大
FICO
是对方的2.0倍
$261.7M
营收增速更快
FICO
高出20.7%
-4.4%
净利率更高
FICO
高出38.1%
-7.2%
两年增速更快
MAC
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $261.7M |
| 净利润 | $158.4M | $-18.8M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | -7.2% |
| 营收同比 | 16.4% | -4.4% |
| 净利润同比 | 3.8% | 91.1% |
| 每股收益（稀释后） | $6.61 | $-0.08 |
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FICOMAC
| Q4 25 | $512.0M | $261.7M | ||
| Q3 25 | $515.8M | $253.3M | ||
| Q2 25 | $536.4M | $249.8M | ||
| Q1 25 | $498.7M | $249.2M | ||
| Q4 24 | $440.0M | $273.7M | ||
| Q3 24 | $453.8M | $220.2M | ||
| Q2 24 | $447.8M | $215.5M | ||
| Q1 24 | $433.8M | $208.8M |
净利润FICOMAC
| Q4 25 | $158.4M | $-18.8M | ||
| Q3 25 | $155.0M | $-87.4M | ||
| Q2 25 | $181.8M | $-40.9M | ||
| Q1 25 | $162.6M | $-50.1M | ||
| Q4 24 | $152.5M | $-211.2M | ||
| Q3 24 | $135.7M | $-108.2M | ||
| Q2 24 | $126.3M | $252.0M | ||
| Q1 24 | $129.8M | $-126.7M |
毛利率FICOMAC
| 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FICOMAC
| Q4 25 | 45.7% | — | ||
| Q3 25 | 46.0% | — | ||
| Q2 25 | 48.9% | — | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.8% | — | ||
| Q3 24 | 43.4% | — | ||
| Q2 24 | 42.5% | — | ||
| Q1 24 | 44.9% | — |
净利率FICOMAC
| Q4 25 | 30.9% | -7.2% | ||
| Q3 25 | 30.1% | -34.5% | ||
| Q2 25 | 33.9% | -16.4% | ||
| Q1 25 | 32.6% | -20.1% | ||
| Q4 24 | 34.7% | -77.2% | ||
| Q3 24 | 29.9% | -49.1% | ||
| Q2 24 | 28.2% | 116.9% | ||
| Q1 24 | 29.9% | -60.7% |
每股收益（稀释后）FICOMAC
| Q4 25 | $6.61 | $-0.08 | ||
| Q3 25 | $6.41 | $-0.34 | ||
| Q2 25 | $7.40 | $-0.16 | ||
| Q1 25 | $6.59 | $-0.20 | ||
| Q4 24 | $6.14 | $-0.95 | ||
| Q3 24 | $5.44 | $-0.50 | ||
| Q2 24 | $5.05 | $1.16 | ||
| Q1 24 | $5.16 | $-0.59 |
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 | $280.2M |
| 总债务越低越好 | $3.2B | $5.1B |
| 股东权益账面价值 | $-1.8B | $2.4B |
| 总资产 | $1.9B | $8.4B |
| 负债/权益比越低杠杆越低 | — | 2.07× |
8季度趋势，按日历期对齐
现金及短期投资FICOMAC
| Q4 25 | $162.0M | $280.2M | ||
| Q3 25 | $134.1M | $290.2M | ||
| Q2 25 | $189.0M | $131.1M | ||
| Q1 25 | $146.6M | $253.2M | ||
| Q4 24 | $184.3M | $89.9M | ||
| Q3 24 | $150.7M | $116.5M | ||
| Q2 24 | $156.0M | $70.7M | ||
| Q1 24 | $135.7M | $120.1M |
总债务FICOMAC
| Q4 25 | $3.2B | $5.1B | ||
| Q3 25 | $3.1B | $5.1B | ||
| Q2 25 | $2.8B | $5.2B | ||
| Q1 25 | $2.5B | $5.2B | ||
| Q4 24 | $2.4B | $4.9B | ||
| Q3 24 | $2.2B | $4.3B | ||
| Q2 24 | $2.1B | $4.4B | ||
| Q1 24 | $2.0B | $4.1B |
股东权益FICOMAC
| Q4 25 | $-1.8B | $2.4B | ||
| Q3 25 | $-1.7B | $2.5B | ||
| Q2 25 | $-1.4B | $2.6B | ||
| Q1 25 | $-1.1B | $2.7B | ||
| Q4 24 | $-1.1B | $2.8B | ||
| Q3 24 | $-962.7M | $2.5B | ||
| Q2 24 | $-829.3M | $2.5B | ||
| Q1 24 | $-735.7M | $2.3B |
总资产FICOMAC
| Q4 25 | $1.9B | $8.4B | ||
| Q3 25 | $1.9B | $8.4B | ||
| Q2 25 | $1.9B | $8.7B | ||
| Q1 25 | $1.8B | $8.7B | ||
| Q4 24 | $1.7B | $8.6B | ||
| Q3 24 | $1.7B | $7.6B | ||
| Q2 24 | $1.7B | $7.8B | ||
| Q1 24 | $1.7B | $7.4B |
负债/权益比FICOMAC
| Q4 25 | — | 2.07× | ||
| Q3 25 | — | 2.02× | ||
| Q2 25 | — | 2.02× | ||
| Q1 25 | — | 1.96× | ||
| Q4 24 | — | 1.78× | ||
| Q3 24 | — | 1.73× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | 1.79× |
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 | $50.2M |
| 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FICOMAC
| Q4 25 | $174.1M | $50.2M | ||
| Q3 25 | $223.7M | $112.4M | ||
| Q2 25 | $286.2M | $70.5M | ||
| Q1 25 | $74.9M | $88.5M | ||
| Q4 24 | $194.0M | $54.9M | ||
| Q3 24 | $226.5M | $100.0M | ||
| Q2 24 | $213.3M | $67.4M | ||
| Q1 24 | $71.0M | $61.1M |
自由现金流FICOMAC
| 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FICOMAC
| 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FICOMAC
| 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FICOMAC
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 0.27× | ||
| 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% |
MAC
暂无分部数据
