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Fair Isaac（FICO）与Pediatrix Medical Group, Inc.（MD）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Pediatrix Medical Group, Inc.的1.0倍（$512.0M vs $493.8M），Fair Isaac净利率更高（30.9% vs 6.8%，领先24.1%），Fair Isaac同比增速更快（16.4% vs -1.7%），过去两年Fair Isaac的营收复合增速更高（8.6% vs -0.1%）
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。
Pediatrix Medical Group是美国领先的专科医疗服务提供商，核心业务覆盖母胎医学、新生儿科、儿科心脏病学等儿科亚专科领域，与美国各地医疗机构合作，为女性、新生儿及儿童提供循证专科医疗服务。
FICO vs MD — 直观对比
营收规模更大
FICO
是对方的1.0倍
$493.8M
营收增速更快
FICO
高出18.1%
-1.7%
净利率更高
FICO
高出24.1%
6.8%
两年增速更快
FICO
近两年复合增速
-0.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $493.8M |
| 净利润 | $158.4M | $33.7M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 9.9% |
| 净利率 | 30.9% | 6.8% |
| 营收同比 | 16.4% | -1.7% |
| 净利润同比 | 3.8% | 10.5% |
| 每股收益（稀释后） | $6.61 | $0.40 |
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FICOMD
| Q4 25 | $512.0M | $493.8M | ||
| Q3 25 | $515.8M | $492.9M | ||
| Q2 25 | $536.4M | $468.8M | ||
| Q1 25 | $498.7M | $458.4M | ||
| Q4 24 | $440.0M | $502.4M | ||
| Q3 24 | $453.8M | $511.2M | ||
| Q2 24 | $447.8M | $504.3M | ||
| Q1 24 | $433.8M | $495.1M |
净利润FICOMD
| Q4 25 | $158.4M | $33.7M | ||
| Q3 25 | $155.0M | $71.7M | ||
| Q2 25 | $181.8M | $39.3M | ||
| Q1 25 | $162.6M | $20.7M | ||
| Q4 24 | $152.5M | $30.5M | ||
| Q3 24 | $135.7M | $19.4M | ||
| Q2 24 | $126.3M | $-153.0M | ||
| Q1 24 | $129.8M | $4.0M |
毛利率FICOMD
| 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FICOMD
| Q4 25 | 45.7% | 9.9% | ||
| Q3 25 | 46.0% | 13.8% | ||
| Q2 25 | 48.9% | 12.8% | ||
| Q1 25 | 49.3% | 7.0% | ||
| Q4 24 | 40.8% | 7.8% | ||
| Q3 24 | 43.4% | 6.6% | ||
| Q2 24 | 42.5% | -31.3% | ||
| Q1 24 | 44.9% | 3.2% |
净利率FICOMD
| Q4 25 | 30.9% | 6.8% | ||
| Q3 25 | 30.1% | 14.5% | ||
| Q2 25 | 33.9% | 8.4% | ||
| Q1 25 | 32.6% | 4.5% | ||
| Q4 24 | 34.7% | 6.1% | ||
| Q3 24 | 29.9% | 3.8% | ||
| Q2 24 | 28.2% | -30.3% | ||
| Q1 24 | 29.9% | 0.8% |
每股收益（稀释后）FICOMD
| Q4 25 | $6.61 | $0.40 | ||
| Q3 25 | $6.41 | $0.84 | ||
| Q2 25 | $7.40 | $0.46 | ||
| Q1 25 | $6.59 | $0.24 | ||
| Q4 24 | $6.14 | $0.37 | ||
| Q3 24 | $5.44 | $0.23 | ||
| Q2 24 | $5.05 | $-1.84 | ||
| Q1 24 | $5.16 | $0.05 |
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 | $375.2M |
| 总债务越低越好 | $3.2B | $570.5M |
| 股东权益账面价值 | $-1.8B | $865.9M |
| 总资产 | $1.9B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.66× |
8季度趋势，按日历期对齐
现金及短期投资FICOMD
| Q4 25 | $162.0M | $375.2M | ||
| Q3 25 | $134.1M | $340.1M | ||
| Q2 25 | $189.0M | $224.7M | ||
| Q1 25 | $146.6M | $99.0M | ||
| Q4 24 | $184.3M | $229.9M | ||
| Q3 24 | $150.7M | $103.8M | ||
| Q2 24 | $156.0M | $19.4M | ||
| Q1 24 | $135.7M | $8.0M |
总债务FICOMD
| Q4 25 | $3.2B | $570.5M | ||
| Q3 25 | $3.1B | $577.2M | ||
| Q2 25 | $2.8B | $583.9M | ||
| Q1 25 | $2.5B | $590.5M | ||
| Q4 24 | $2.4B | $597.1M | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOMD
| Q4 25 | $-1.8B | $865.9M | ||
| Q3 25 | $-1.7B | $890.7M | ||
| Q2 25 | $-1.4B | $833.8M | ||
| Q1 25 | $-1.1B | $789.2M | ||
| Q4 24 | $-1.1B | $764.9M | ||
| Q3 24 | $-962.7M | $732.5M | ||
| Q2 24 | $-829.3M | $706.5M | ||
| Q1 24 | $-735.7M | $856.2M |
总资产FICOMD
| Q4 25 | $1.9B | $2.2B | ||
| Q3 25 | $1.9B | $2.2B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.8B | $2.0B | ||
| Q4 24 | $1.7B | $2.2B | ||
| Q3 24 | $1.7B | $2.1B | ||
| Q2 24 | $1.7B | $2.0B | ||
| Q1 24 | $1.7B | $2.2B |
负债/权益比FICOMD
| Q4 25 | — | 0.66× | ||
| Q3 25 | — | 0.65× | ||
| Q2 25 | — | 0.70× | ||
| Q1 25 | — | 0.75× | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $114.1M |
| 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× | 3.39× |
| 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FICOMD
| Q4 25 | $174.1M | $114.1M | ||
| Q3 25 | $223.7M | $137.3M | ||
| Q2 25 | $286.2M | $137.2M | ||
| Q1 25 | $74.9M | $-117.5M | ||
| Q4 24 | $194.0M | $133.0M | ||
| Q3 24 | $226.5M | $91.8M | ||
| Q2 24 | $213.3M | $107.0M | ||
| Q1 24 | $71.0M | $-125.2M |
自由现金流FICOMD
| 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FICOMD
| 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FICOMD
| 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FICOMD
| Q4 25 | 1.10× | 3.39× | ||
| Q3 25 | 1.44× | 1.91× | ||
| Q2 25 | 1.57× | 3.49× | ||
| Q1 25 | 0.46× | -5.66× | ||
| Q4 24 | 1.27× | 4.36× | ||
| Q3 24 | 1.67× | 4.72× | ||
| Q2 24 | 1.69× | — | ||
| Q1 24 | 0.55× | -31.03× |
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% |
MD
| Health Care Patient Service | $421.6M | 85% |
| Hospitals Contracts | $70.0M | 14% |
| Other | $2.2M | 0% |
