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Fair Isaac（FICO）与Mativ Holdings, Inc.（MATV）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Mativ Holdings, Inc.的1.1倍（$512.0M vs $463.1M），Fair Isaac净利率更高（30.9% vs 21.8%，领先9.2%），Fair Isaac同比增速更快（16.4% vs 1.0%），Fair Isaac自由现金流更多（$173.9M vs $8.0M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -3.8%）
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。
Mativ Holdings是一家全球特种材料制造商，主要生产高性能先进聚合物、无纺布、过滤解决方案及功能性涂层材料，服务医疗、工业、消费品、航空航天、能源等领域，业务遍及北美、欧洲及亚太地区。
FICO vs MATV — 直观对比
营收规模更大
FICO
是对方的1.1倍
$463.1M
营收增速更快
FICO
高出15.4%
1.0%
净利率更高
FICO
高出9.2%
21.8%
自由现金流更多
FICO
多$165.9M
$8.0M
两年增速更快
FICO
近两年复合增速
-3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $463.1M |
| 净利润 | $158.4M | $100.8M |
| 毛利率 | 83.0% | 18.8% |
| 营业利润率 | 45.7% | 2.2% |
| 净利率 | 30.9% | 21.8% |
| 营收同比 | 16.4% | 1.0% |
| 净利润同比 | 3.8% | 6620.0% |
| 每股收益（稀释后） | $6.61 | $1.87 |
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FICOMATV
| Q4 25 | $512.0M | $463.1M | ||
| Q3 25 | $515.8M | $513.7M | ||
| Q2 25 | $536.4M | $525.4M | ||
| Q1 25 | $498.7M | $484.8M | ||
| Q4 24 | $440.0M | $458.6M | ||
| Q3 24 | $453.8M | $498.5M | ||
| Q2 24 | $447.8M | $523.8M | ||
| Q1 24 | $433.8M | $500.2M |
净利润FICOMATV
| Q4 25 | $158.4M | $100.8M | ||
| Q3 25 | $155.0M | $-3.2M | ||
| Q2 25 | $181.8M | $-9.5M | ||
| Q1 25 | $162.6M | $-425.5M | ||
| Q4 24 | $152.5M | $1.5M | ||
| Q3 24 | $135.7M | $-20.8M | ||
| Q2 24 | $126.3M | $-1.4M | ||
| Q1 24 | $129.8M | $-28.0M |
毛利率FICOMATV
| Q4 25 | 83.0% | 18.8% | ||
| Q3 25 | 82.3% | 19.3% | ||
| Q2 25 | 83.7% | 19.7% | ||
| Q1 25 | 82.4% | 15.0% | ||
| Q4 24 | 80.1% | 16.9% | ||
| Q3 24 | 80.3% | 18.8% | ||
| Q2 24 | 80.3% | 20.8% | ||
| Q1 24 | 80.0% | 16.8% |
营业利润率FICOMATV
| Q4 25 | 45.7% | 2.2% | ||
| Q3 25 | 46.0% | 3.1% | ||
| Q2 25 | 48.9% | 3.8% | ||
| Q1 25 | 49.3% | -88.8% | ||
| Q4 24 | 40.8% | 0.6% | ||
| Q3 24 | 43.4% | 1.4% | ||
| Q2 24 | 42.5% | 2.0% | ||
| Q1 24 | 44.9% | -2.8% |
净利率FICOMATV
| Q4 25 | 30.9% | 21.8% | ||
| Q3 25 | 30.1% | -0.6% | ||
| Q2 25 | 33.9% | -1.8% | ||
| Q1 25 | 32.6% | -87.8% | ||
| Q4 24 | 34.7% | 0.3% | ||
| Q3 24 | 29.9% | -4.2% | ||
| Q2 24 | 28.2% | -0.3% | ||
| Q1 24 | 29.9% | -5.6% |
每股收益（稀释后）FICOMATV
| Q4 25 | $6.61 | $1.87 | ||
| Q3 25 | $6.41 | $-0.06 | ||
| Q2 25 | $7.40 | $-0.18 | ||
| Q1 25 | $6.59 | $-7.82 | ||
| Q4 24 | $6.14 | $0.03 | ||
| Q3 24 | $5.44 | $-0.38 | ||
| Q2 24 | $5.05 | $-0.03 | ||
| Q1 24 | $5.16 | $-0.52 |
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 | $84.2M |
| 总债务越低越好 | $3.2B | $1.0B |
| 股东权益账面价值 | $-1.8B | $498.7M |
| 总资产 | $1.9B | $2.1B |
| 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FICOMATV
| Q4 25 | $162.0M | $84.2M | ||
| Q3 25 | $134.1M | $97.1M | ||
| Q2 25 | $189.0M | $95.6M | ||
| Q1 25 | $146.6M | $84.0M | ||
| Q4 24 | $184.3M | $94.3M | ||
| Q3 24 | $150.7M | $162.2M | ||
| Q2 24 | $156.0M | $133.4M | ||
| Q1 24 | $135.7M | $128.9M |
总债务FICOMATV
| Q4 25 | $3.2B | $1.0B | ||
| Q3 25 | $3.1B | $1.0B | ||
| Q2 25 | $2.8B | $1.1B | ||
| Q1 25 | $2.5B | $1.1B | ||
| Q4 24 | $2.4B | $1.1B | ||
| Q3 24 | $2.2B | $1.2B | ||
| Q2 24 | $2.1B | $1.2B | ||
| Q1 24 | $2.0B | $1.2B |
股东权益FICOMATV
| Q4 25 | $-1.8B | $498.7M | ||
| Q3 25 | $-1.7B | $397.4M | ||
| Q2 25 | $-1.4B | $416.6M | ||
| Q1 25 | $-1.1B | $428.2M | ||
| Q4 24 | $-1.1B | $858.5M | ||
| Q3 24 | $-962.7M | $882.3M | ||
| Q2 24 | $-829.3M | $898.0M | ||
| Q1 24 | $-735.7M | $906.9M |
总资产FICOMATV
| Q4 25 | $1.9B | $2.1B | ||
| Q3 25 | $1.9B | $2.0B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.8B | $2.1B | ||
| Q4 24 | $1.7B | $2.4B | ||
| Q3 24 | $1.7B | $2.6B | ||
| Q2 24 | $1.7B | $2.6B | ||
| Q1 24 | $1.7B | $2.7B |
负债/权益比FICOMATV
| Q4 25 | — | 2.07× | ||
| Q3 25 | — | 2.63× | ||
| Q2 25 | — | 2.66× | ||
| Q1 25 | — | 2.67× | ||
| Q4 24 | — | 1.30× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.29× | ||
| Q1 24 | — | 1.30× |
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 | $19.3M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $8.0M |
| 自由现金流率自由现金流/营收 | 34.0% | 1.7% |
| 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× | 0.19× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $93.8M |
8季度趋势，按日历期对齐
经营现金流FICOMATV
| Q4 25 | $174.1M | $19.3M | ||
| Q3 25 | $223.7M | $72.8M | ||
| Q2 25 | $286.2M | $57.6M | ||
| Q1 25 | $74.9M | $-15.9M | ||
| Q4 24 | $194.0M | $24.1M | ||
| Q3 24 | $226.5M | $37.6M | ||
| Q2 24 | $213.3M | $46.1M | ||
| Q1 24 | $71.0M | $-13.0M |
自由现金流FICOMATV
| Q4 25 | $173.9M | $8.0M | ||
| Q3 25 | $219.5M | $66.7M | ||
| Q2 25 | $284.4M | $48.9M | ||
| Q1 25 | $72.8M | $-29.8M | ||
| Q4 24 | $193.2M | $2.0M | ||
| Q3 24 | $224.7M | $25.5M | ||
| Q2 24 | $211.6M | $37.4M | ||
| Q1 24 | $67.0M | $-25.1M |
自由现金流率FICOMATV
| Q4 25 | 34.0% | 1.7% | ||
| Q3 25 | 42.6% | 13.0% | ||
| Q2 25 | 53.0% | 9.3% | ||
| Q1 25 | 14.6% | -6.1% | ||
| Q4 24 | 43.9% | 0.4% | ||
| Q3 24 | 49.5% | 5.1% | ||
| Q2 24 | 47.2% | 7.1% | ||
| Q1 24 | 15.4% | -5.0% |
资本支出强度FICOMATV
| Q4 25 | 0.0% | 2.4% | ||
| Q3 25 | 0.8% | 1.2% | ||
| Q2 25 | 0.3% | 1.7% | ||
| Q1 25 | 0.4% | 2.9% | ||
| Q4 24 | 0.2% | 4.8% | ||
| Q3 24 | 0.4% | 2.4% | ||
| Q2 24 | 0.4% | 1.7% | ||
| Q1 24 | 0.9% | 2.4% |
现金转化率FICOMATV
| Q4 25 | 1.10× | 0.19× | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 16.07× | ||
| 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% |
MATV
| Other | $208.7M | 45% |
| SAS Segment | $157.4M | 34% |
| FAM Segment | $97.0M | 21% |
