vs
Fair Isaac（FICO）与美森（MATX）财务数据对比。点击上方公司名可切换其他公司
美森的季度营收约是Fair Isaac的1.7倍（$851.9M vs $512.0M），Fair Isaac净利率更高（30.9% vs 16.8%，领先14.1%），Fair Isaac同比增速更快（16.4% vs -4.3%），Fair Isaac自由现金流更多（$173.9M vs $42.2M），过去两年Fair Isaac的营收复合增速更高（8.6% 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。
美森公司（Matson, Inc.）是美国知名航运服务企业，总部位于夏威夷州火奴鲁鲁，成立于1882年。旗下子公司美森航运主营跨太平洋海运业务，服务覆盖夏威夷、阿拉斯加、关岛、密克罗尼西亚、太平洋诸岛、中国及日本等地区。
FICO vs MATX — 直观对比
营收规模更大
MATX
是对方的1.7倍
$512.0M
营收增速更快
FICO
高出20.7%
-4.3%
净利率更高
FICO
高出14.1%
16.8%
自由现金流更多
FICO
多$131.7M
$42.2M
两年增速更快
FICO
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $851.9M |
| 净利润 | $158.4M | $143.1M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 16.9% |
| 净利率 | 30.9% | 16.8% |
| 营收同比 | 16.4% | -4.3% |
| 净利润同比 | 3.8% | 11.8% |
| 每股收益（稀释后） | $6.61 | $4.47 |
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FICOMATX
| Q4 25 | $512.0M | $851.9M | ||
| Q3 25 | $515.8M | $880.1M | ||
| Q2 25 | $536.4M | $830.5M | ||
| Q1 25 | $498.7M | $782.0M | ||
| Q4 24 | $440.0M | $890.3M | ||
| Q3 24 | $453.8M | $962.0M | ||
| Q2 24 | $447.8M | $847.4M | ||
| Q1 24 | $433.8M | $722.1M |
净利润FICOMATX
| Q4 25 | $158.4M | $143.1M | ||
| Q3 25 | $155.0M | $134.7M | ||
| Q2 25 | $181.8M | $94.7M | ||
| Q1 25 | $162.6M | $72.3M | ||
| Q4 24 | $152.5M | $128.0M | ||
| Q3 24 | $135.7M | $199.1M | ||
| Q2 24 | $126.3M | $113.2M | ||
| Q1 24 | $129.8M | $36.1M |
毛利率FICOMATX
| 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FICOMATX
| Q4 25 | 45.7% | 16.9% | ||
| Q3 25 | 46.0% | 18.3% | ||
| Q2 25 | 48.9% | 13.6% | ||
| Q1 25 | 49.3% | 10.5% | ||
| Q4 24 | 40.8% | 16.6% | ||
| Q3 24 | 43.4% | 25.2% | ||
| Q2 24 | 42.5% | 14.7% | ||
| Q1 24 | 44.9% | 5.1% |
净利率FICOMATX
| Q4 25 | 30.9% | 16.8% | ||
| Q3 25 | 30.1% | 15.3% | ||
| Q2 25 | 33.9% | 11.4% | ||
| Q1 25 | 32.6% | 9.2% | ||
| Q4 24 | 34.7% | 14.4% | ||
| Q3 24 | 29.9% | 20.7% | ||
| Q2 24 | 28.2% | 13.4% | ||
| Q1 24 | 29.9% | 5.0% |
每股收益（稀释后）FICOMATX
| Q4 25 | $6.61 | $4.47 | ||
| Q3 25 | $6.41 | $4.24 | ||
| Q2 25 | $7.40 | $2.92 | ||
| Q1 25 | $6.59 | $2.18 | ||
| Q4 24 | $6.14 | $3.69 | ||
| Q3 24 | $5.44 | $5.89 | ||
| Q2 24 | $5.05 | $3.31 | ||
| Q1 24 | $5.16 | $1.04 |
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 | $141.9M |
| 总债务越低越好 | $3.2B | $361.2M |
| 股东权益账面价值 | $-1.8B | $2.8B |
| 总资产 | $1.9B | $4.6B |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资FICOMATX
| Q4 25 | $162.0M | $141.9M | ||
| Q3 25 | $134.1M | $92.7M | ||
| Q2 25 | $189.0M | $59.1M | ||
| Q1 25 | $146.6M | $122.0M | ||
| Q4 24 | $184.3M | $266.8M | ||
| Q3 24 | $150.7M | $270.3M | ||
| Q2 24 | $156.0M | $168.2M | ||
| Q1 24 | $135.7M | $25.9M |
总债务FICOMATX
| Q4 25 | $3.2B | $361.2M | ||
| Q3 25 | $3.1B | $370.9M | ||
| Q2 25 | $2.8B | $341.3M | ||
| Q1 25 | $2.5B | $351.1M | ||
| Q4 24 | $2.4B | $361.2M | ||
| Q3 24 | $2.2B | $370.9M | ||
| Q2 24 | $2.1B | $381.0M | ||
| Q1 24 | $2.0B | $390.8M |
股东权益FICOMATX
| Q4 25 | $-1.8B | $2.8B | ||
| Q3 25 | $-1.7B | $2.7B | ||
| Q2 25 | $-1.4B | $2.6B | ||
| Q1 25 | $-1.1B | $2.6B | ||
| Q4 24 | $-1.1B | $2.7B | ||
| Q3 24 | $-962.7M | $2.6B | ||
| Q2 24 | $-829.3M | $2.4B | ||
| Q1 24 | $-735.7M | $2.4B |
总资产FICOMATX
| Q4 25 | $1.9B | $4.6B | ||
| Q3 25 | $1.9B | $4.6B | ||
| Q2 25 | $1.9B | $4.5B | ||
| Q1 25 | $1.8B | $4.5B | ||
| Q4 24 | $1.7B | $4.6B | ||
| Q3 24 | $1.7B | $4.4B | ||
| Q2 24 | $1.7B | $4.3B | ||
| Q1 24 | $1.7B | $4.2B |
负债/权益比FICOMATX
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.14× | ||
| Q2 25 | — | 0.13× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 0.16× |
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 | $176.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $42.2M |
| 自由现金流率自由现金流/营收 | 34.0% | 5.0% |
| 资本支出强度资本支出/营收 | 0.0% | 15.8% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.24× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $153.7M |
8季度趋势，按日历期对齐
经营现金流FICOMATX
| Q4 25 | $174.1M | $176.9M | ||
| Q3 25 | $223.7M | $175.6M | ||
| Q2 25 | $286.2M | $105.6M | ||
| Q1 25 | $74.9M | $89.0M | ||
| Q4 24 | $194.0M | $174.7M | ||
| Q3 24 | $226.5M | $248.6M | ||
| Q2 24 | $213.3M | $307.9M | ||
| Q1 24 | $71.0M | $36.6M |
自由现金流FICOMATX
| Q4 25 | $173.9M | $42.2M | ||
| Q3 25 | $219.5M | $92.4M | ||
| Q2 25 | $284.4M | $19.3M | ||
| Q1 25 | $72.8M | $-200.0K | ||
| Q4 24 | $193.2M | $49.3M | ||
| Q3 24 | $224.7M | $189.0M | ||
| Q2 24 | $211.6M | $238.1M | ||
| Q1 24 | $67.0M | $-18.7M |
自由现金流率FICOMATX
| Q4 25 | 34.0% | 5.0% | ||
| Q3 25 | 42.6% | 10.5% | ||
| Q2 25 | 53.0% | 2.3% | ||
| Q1 25 | 14.6% | -0.0% | ||
| Q4 24 | 43.9% | 5.5% | ||
| Q3 24 | 49.5% | 19.6% | ||
| Q2 24 | 47.2% | 28.1% | ||
| Q1 24 | 15.4% | -2.6% |
资本支出强度FICOMATX
| Q4 25 | 0.0% | 15.8% | ||
| Q3 25 | 0.8% | 9.5% | ||
| Q2 25 | 0.3% | 10.4% | ||
| Q1 25 | 0.4% | 11.4% | ||
| Q4 24 | 0.2% | 14.1% | ||
| Q3 24 | 0.4% | 6.2% | ||
| Q2 24 | 0.4% | 8.2% | ||
| Q1 24 | 0.9% | 7.7% |
现金转化率FICOMATX
| Q4 25 | 1.10× | 1.24× | ||
| Q3 25 | 1.44× | 1.30× | ||
| Q2 25 | 1.57× | 1.12× | ||
| Q1 25 | 0.46× | 1.23× | ||
| Q4 24 | 1.27× | 1.36× | ||
| Q3 24 | 1.67× | 1.25× | ||
| Q2 24 | 1.69× | 2.72× | ||
| Q1 24 | 0.55× | 1.01× |
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% |
MATX
| Ocean Transportation Segment | $704.2M | 83% |
| Logistics Services Segment | $147.7M | 17% |
