vs
Fair Isaac（FICO）与MONRO, INC.（MNRO）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MONRO, INC.的1.7倍（$512.0M vs $293.4M），Fair Isaac净利率更高（30.9% vs 3.8%，领先27.1%），Fair Isaac同比增速更快（16.4% vs -4.0%），Fair Isaac自由现金流更多（$173.9M vs $9.1M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -2.7%）
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。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
FICO vs MNRO — 直观对比
营收规模更大
FICO
是对方的1.7倍
$293.4M
营收增速更快
FICO
高出20.4%
-4.0%
净利率更高
FICO
高出27.1%
3.8%
自由现金流更多
FICO
多$164.7M
$9.1M
两年增速更快
FICO
近两年复合增速
-2.7%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $293.4M |
| 净利润 | $158.4M | $11.1M |
| 毛利率 | 83.0% | 34.9% |
| 营业利润率 | 45.7% | 6.3% |
| 净利率 | 30.9% | 3.8% |
| 营收同比 | 16.4% | -4.0% |
| 净利润同比 | 3.8% | 143.1% |
| 每股收益（稀释后） | $6.61 | $0.35 |
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FICOMNRO
| Q4 25 | $512.0M | $293.4M | ||
| Q3 25 | $515.8M | $288.9M | ||
| Q2 25 | $536.4M | $301.0M | ||
| Q1 25 | $498.7M | $295.0M | ||
| Q4 24 | $440.0M | $305.8M | ||
| Q3 24 | $453.8M | $301.4M | ||
| Q2 24 | $447.8M | $293.2M | ||
| Q1 24 | $433.8M | $310.1M |
净利润FICOMNRO
| Q4 25 | $158.4M | $11.1M | ||
| Q3 25 | $155.0M | $5.7M | ||
| Q2 25 | $181.8M | $-8.1M | ||
| Q1 25 | $162.6M | $-21.3M | ||
| Q4 24 | $152.5M | $4.6M | ||
| Q3 24 | $135.7M | $5.6M | ||
| Q2 24 | $126.3M | $5.9M | ||
| Q1 24 | $129.8M | $3.7M |
毛利率FICOMNRO
| Q4 25 | 83.0% | 34.9% | ||
| Q3 25 | 82.3% | 35.7% | ||
| Q2 25 | 83.7% | 35.5% | ||
| Q1 25 | 82.4% | 33.0% | ||
| Q4 24 | 80.1% | 34.3% | ||
| Q3 24 | 80.3% | 35.3% | ||
| Q2 24 | 80.3% | 37.2% | ||
| Q1 24 | 80.0% | 35.5% |
营业利润率FICOMNRO
| Q4 25 | 45.7% | 6.3% | ||
| Q3 25 | 46.0% | 4.4% | ||
| Q2 25 | 48.9% | -2.0% | ||
| Q1 25 | 49.3% | -8.1% | ||
| Q4 24 | 40.8% | 3.3% | ||
| Q3 24 | 43.4% | 4.4% | ||
| Q2 24 | 42.5% | 4.5% | ||
| Q1 24 | 44.9% | 3.3% |
净利率FICOMNRO
| Q4 25 | 30.9% | 3.8% | ||
| Q3 25 | 30.1% | 2.0% | ||
| Q2 25 | 33.9% | -2.7% | ||
| Q1 25 | 32.6% | -7.2% | ||
| Q4 24 | 34.7% | 1.5% | ||
| Q3 24 | 29.9% | 1.9% | ||
| Q2 24 | 28.2% | 2.0% | ||
| Q1 24 | 29.9% | 1.2% |
每股收益（稀释后）FICOMNRO
| Q4 25 | $6.61 | $0.35 | ||
| Q3 25 | $6.41 | $0.18 | ||
| Q2 25 | $7.40 | $-0.28 | ||
| Q1 25 | $6.59 | $-0.74 | ||
| Q4 24 | $6.14 | $0.15 | ||
| Q3 24 | $5.44 | $0.18 | ||
| Q2 24 | $5.05 | $0.19 | ||
| Q1 24 | $5.16 | $0.12 |
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 | $4.9M |
| 总债务越低越好 | $3.2B | $45.0M |
| 股东权益账面价值 | $-1.8B | $604.9M |
| 总资产 | $1.9B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资FICOMNRO
| Q4 25 | $162.0M | $4.9M | ||
| Q3 25 | $134.1M | $10.5M | ||
| Q2 25 | $189.0M | $7.8M | ||
| Q1 25 | $146.6M | $20.8M | ||
| Q4 24 | $184.3M | $10.2M | ||
| Q3 24 | $150.7M | $20.9M | ||
| Q2 24 | $156.0M | $18.7M | ||
| Q1 24 | $135.7M | $6.6M |
总债务FICOMNRO
| Q4 25 | $3.2B | $45.0M | ||
| Q3 25 | $3.1B | $60.0M | ||
| Q2 25 | $2.8B | $71.5M | ||
| Q1 25 | $2.5B | $61.3M | ||
| Q4 24 | $2.4B | $59.3M | ||
| Q3 24 | $2.2B | $62.0M | ||
| Q2 24 | $2.1B | $112.0M | ||
| Q1 24 | $2.0B | $102.0M |
股东权益FICOMNRO
| Q4 25 | $-1.8B | $604.9M | ||
| Q3 25 | $-1.7B | $601.7M | ||
| Q2 25 | $-1.4B | $604.9M | ||
| Q1 25 | $-1.1B | $620.8M | ||
| Q4 24 | $-1.1B | $648.9M | ||
| Q3 24 | $-962.7M | $651.9M | ||
| Q2 24 | $-829.3M | $654.4M | ||
| Q1 24 | $-735.7M | $656.8M |
总资产FICOMNRO
| Q4 25 | $1.9B | $1.6B | ||
| Q3 25 | $1.9B | $1.6B | ||
| Q2 25 | $1.9B | $1.6B | ||
| Q1 25 | $1.8B | $1.6B | ||
| Q4 24 | $1.7B | $1.7B | ||
| Q3 24 | $1.7B | $1.7B | ||
| Q2 24 | $1.7B | $1.7B | ||
| Q1 24 | $1.7B | $1.7B |
负债/权益比FICOMNRO
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.10× | ||
| Q2 25 | — | 0.12× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.09× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.17× | ||
| 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 | $17.8M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $9.1M |
| 自由现金流率自由现金流/营收 | 34.0% | 3.1% |
| 资本支出强度资本支出/营收 | 0.0% | 3.0% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.60× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $49.6M |
8季度趋势，按日历期对齐
经营现金流FICOMNRO
| Q4 25 | $174.1M | $17.8M | ||
| Q3 25 | $223.7M | $32.3M | ||
| Q2 25 | $286.2M | $-1.9M | ||
| Q1 25 | $74.9M | $28.9M | ||
| Q4 24 | $194.0M | $14.8M | ||
| Q3 24 | $226.5M | $62.6M | ||
| Q2 24 | $213.3M | $25.6M | ||
| Q1 24 | $71.0M | $-5.3M |
自由现金流FICOMNRO
| Q4 25 | $173.9M | $9.1M | ||
| Q3 25 | $219.5M | $26.6M | ||
| Q2 25 | $284.4M | $-9.3M | ||
| Q1 25 | $72.8M | $23.2M | ||
| Q4 24 | $193.2M | $7.9M | ||
| Q3 24 | $224.7M | $57.6M | ||
| Q2 24 | $211.6M | $16.8M | ||
| Q1 24 | $67.0M | $-11.9M |
自由现金流率FICOMNRO
| Q4 25 | 34.0% | 3.1% | ||
| Q3 25 | 42.6% | 9.2% | ||
| Q2 25 | 53.0% | -3.1% | ||
| Q1 25 | 14.6% | 7.9% | ||
| Q4 24 | 43.9% | 2.6% | ||
| Q3 24 | 49.5% | 19.1% | ||
| Q2 24 | 47.2% | 5.7% | ||
| Q1 24 | 15.4% | -3.8% |
资本支出强度FICOMNRO
| Q4 25 | 0.0% | 3.0% | ||
| Q3 25 | 0.8% | 2.0% | ||
| Q2 25 | 0.3% | 2.5% | ||
| Q1 25 | 0.4% | 1.9% | ||
| Q4 24 | 0.2% | 2.2% | ||
| Q3 24 | 0.4% | 1.6% | ||
| Q2 24 | 0.4% | 3.0% | ||
| Q1 24 | 0.9% | 2.1% |
现金转化率FICOMNRO
| Q4 25 | 1.10× | 1.60× | ||
| Q3 25 | 1.44× | 5.71× | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 3.23× | ||
| Q3 24 | 1.67× | 11.08× | ||
| Q2 24 | 1.69× | 4.37× | ||
| Q1 24 | 0.55× | -1.42× |
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% |
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
