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Fair Isaac（FICO）与MADRIGAL PHARMACEUTICALS, INC.（MDGL）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MADRIGAL PHARMACEUTICALS, INC.的1.6倍（$512.0M vs $321.1M），Fair Isaac净利率更高（30.9% vs -18.2%，领先49.2%），MADRIGAL PHARMACEUTICALS, INC.同比增速更快（210.8% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $-133.8M）
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。
本公司是一家美国生物制药企业，成立于2002年，专注于研发新型合成胆汁酸类似物，可用于治疗原发性胆汁性胆管炎、非酒精性脂肪肝、肝硬化等慢性肝病，以及胆汁酸性腹泻等肠道疾病。
FICO vs MDGL — 直观对比
营收规模更大
FICO
是对方的1.6倍
$321.1M
营收增速更快
MDGL
高出194.4%
16.4%
净利率更高
FICO
高出49.2%
-18.2%
自由现金流更多
FICO
多$307.7M
$-133.8M
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $321.1M |
| 净利润 | $158.4M | $-58.6M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | -18.6% |
| 净利率 | 30.9% | -18.2% |
| 营收同比 | 16.4% | 210.8% |
| 净利润同比 | 3.8% | 1.4% |
| 每股收益（稀释后） | $6.61 | $-2.55 |
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FICOMDGL
| Q4 25 | $512.0M | $321.1M | ||
| Q3 25 | $515.8M | $287.3M | ||
| Q2 25 | $536.4M | $212.8M | ||
| Q1 25 | $498.7M | $137.3M | ||
| Q4 24 | $440.0M | $103.3M | ||
| Q3 24 | $453.8M | $62.2M | ||
| Q2 24 | $447.8M | — | ||
| Q1 24 | $433.8M | $0 |
净利润FICOMDGL
| Q4 25 | $158.4M | $-58.6M | ||
| Q3 25 | $155.0M | $-114.2M | ||
| Q2 25 | $181.8M | $-42.3M | ||
| Q1 25 | $162.6M | $-73.2M | ||
| Q4 24 | $152.5M | $-59.4M | ||
| Q3 24 | $135.7M | $-107.0M | ||
| Q2 24 | $126.3M | — | ||
| Q1 24 | $129.8M | $-147.5M |
毛利率FICOMDGL
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | 96.7% | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | — | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | — |
营业利润率FICOMDGL
| Q4 25 | 45.7% | -18.6% | ||
| Q3 25 | 46.0% | -39.7% | ||
| Q2 25 | 48.9% | -22.2% | ||
| Q1 25 | 49.3% | -57.8% | ||
| Q4 24 | 40.8% | -64.8% | ||
| Q3 24 | 43.4% | -187.1% | ||
| Q2 24 | 42.5% | — | ||
| Q1 24 | 44.9% | — |
净利率FICOMDGL
| Q4 25 | 30.9% | -18.2% | ||
| Q3 25 | 30.1% | -39.8% | ||
| Q2 25 | 33.9% | -19.9% | ||
| Q1 25 | 32.6% | -53.4% | ||
| Q4 24 | 34.7% | -57.5% | ||
| Q3 24 | 29.9% | -172.0% | ||
| Q2 24 | 28.2% | — | ||
| Q1 24 | 29.9% | — |
每股收益（稀释后）FICOMDGL
| Q4 25 | $6.61 | $-2.55 | ||
| Q3 25 | $6.41 | $-5.08 | ||
| Q2 25 | $7.40 | $-1.90 | ||
| Q1 25 | $6.59 | $-3.32 | ||
| Q4 24 | $6.14 | $-2.50 | ||
| Q3 24 | $5.44 | $-4.92 | ||
| Q2 24 | $5.05 | — | ||
| Q1 24 | $5.16 | $-7.38 |
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 | $198.7M |
| 总债务越低越好 | $3.2B | $339.9M |
| 股东权益账面价值 | $-1.8B | $602.7M |
| 总资产 | $1.9B | $1.3B |
| 负债/权益比越低杠杆越低 | — | 0.56× |
8季度趋势，按日历期对齐
现金及短期投资FICOMDGL
| Q4 25 | $162.0M | $198.7M | ||
| Q3 25 | $134.1M | $295.7M | ||
| Q2 25 | $189.0M | $186.2M | ||
| Q1 25 | $146.6M | $183.6M | ||
| Q4 24 | $184.3M | $100.0M | ||
| Q3 24 | $150.7M | $232.7M | ||
| Q2 24 | $156.0M | — | ||
| Q1 24 | $135.7M | $622.5M |
总债务FICOMDGL
| Q4 25 | $3.2B | $339.9M | ||
| Q3 25 | $3.1B | $339.8M | ||
| Q2 25 | $2.8B | $118.4M | ||
| Q1 25 | $2.5B | $118.0M | ||
| Q4 24 | $2.4B | $117.6M | ||
| Q3 24 | $2.2B | $117.1M | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | $116.1M |
股东权益FICOMDGL
| Q4 25 | $-1.8B | $602.7M | ||
| Q3 25 | $-1.7B | $625.7M | ||
| Q2 25 | $-1.4B | $696.0M | ||
| Q1 25 | $-1.1B | $710.6M | ||
| Q4 24 | $-1.1B | $754.4M | ||
| Q3 24 | $-962.7M | $777.2M | ||
| Q2 24 | $-829.3M | — | ||
| Q1 24 | $-735.7M | $850.8M |
总资产FICOMDGL
| Q4 25 | $1.9B | $1.3B | ||
| Q3 25 | $1.9B | $1.4B | ||
| Q2 25 | $1.9B | $1.0B | ||
| Q1 25 | $1.8B | $996.6M | ||
| Q4 24 | $1.7B | $1.0B | ||
| Q3 24 | $1.7B | $1.1B | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.7B | $1.1B |
负债/权益比FICOMDGL
| Q4 25 | — | 0.56× | ||
| Q3 25 | — | 0.54× | ||
| Q2 25 | — | 0.17× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.16× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.14× |
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 | $-133.5M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-133.8M |
| 自由现金流率自由现金流/营收 | 34.0% | -41.7% |
| 资本支出强度资本支出/营收 | 0.0% | 0.1% |
| 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FICOMDGL
| Q4 25 | $174.1M | $-133.5M | ||
| Q3 25 | $223.7M | $79.8M | ||
| Q2 25 | $286.2M | $-47.1M | ||
| Q1 25 | $74.9M | $-88.9M | ||
| Q4 24 | $194.0M | $-104.5M | ||
| Q3 24 | $226.5M | $-67.0M | ||
| Q2 24 | $213.3M | — | ||
| Q1 24 | $71.0M | $-149.2M |
自由现金流FICOMDGL
| Q4 25 | $173.9M | $-133.8M | ||
| Q3 25 | $219.5M | $79.0M | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | $-104.7M | ||
| Q3 24 | $224.7M | $-67.8M | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | $-149.5M |
自由现金流率FICOMDGL
| Q4 25 | 34.0% | -41.7% | ||
| Q3 25 | 42.6% | 27.5% | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | -101.3% | ||
| Q3 24 | 49.5% | -109.0% | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | — |
资本支出强度FICOMDGL
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.8% | 0.3% | ||
| Q2 25 | 0.3% | 0.0% | ||
| Q1 25 | 0.4% | 0.0% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.4% | 1.3% | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | — |
现金转化率FICOMDGL
| 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× | — | ||
| 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% |
MDGL
| Rebates Customer Fees Credits Co Pay Assistance And Other | $208.5M | 65% |
| Other | $76.0M | 24% |
| Chargebacks Discounts For Prompt Pay And Other Allowances | $36.6M | 11% |
