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Fair Isaac（FICO）与PROSPERITY BANCSHARES INC（PB）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PROSPERITY BANCSHARES INC的1.4倍（$512.0M vs $367.6M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 30.9%，领先0.7%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% 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。
Prosperity Bancshares Inc.是总部位于美国得克萨斯州休斯顿的银行控股公司，业务覆盖得克萨斯州及俄克拉荷马州中部。截至2019年12月31日，公司共运营285家分支机构，广泛分布在休斯顿、达拉斯-沃斯堡都会区及得州南部、东部、中部、西部等区域。
FICO vs PB — 直观对比
营收规模更大
FICO
是对方的1.4倍
$367.6M
净利率更高
PB
高出0.7%
30.9%
两年增速更快
PB
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $367.6M |
| 净利润 | $158.4M | $116.3M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 31.6% |
| 营收同比 | 16.4% | — |
| 净利润同比 | 3.8% | -10.7% |
| 每股收益（稀释后） | $6.61 | $1.16 |
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FICOPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $512.0M | $275.0M | ||
| Q3 25 | $515.8M | $273.4M | ||
| Q2 25 | $536.4M | $267.7M | ||
| Q1 25 | $498.7M | $265.4M | ||
| Q4 24 | $440.0M | $267.8M | ||
| Q3 24 | $453.8M | $261.7M | ||
| Q2 24 | $447.8M | $258.8M |
净利润FICOPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $158.4M | $139.9M | ||
| Q3 25 | $155.0M | $137.6M | ||
| Q2 25 | $181.8M | $135.2M | ||
| Q1 25 | $162.6M | $130.2M | ||
| Q4 24 | $152.5M | $130.1M | ||
| Q3 24 | $135.7M | $127.3M | ||
| Q2 24 | $126.3M | $111.6M |
毛利率FICOPB
| Q1 26 | — | — | ||
| 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% | — |
营业利润率FICOPB
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 65.1% | ||
| Q3 25 | 46.0% | 64.4% | ||
| Q2 25 | 48.9% | 64.3% | ||
| Q1 25 | 49.3% | 62.7% | ||
| Q4 24 | 40.8% | 62.0% | ||
| Q3 24 | 43.4% | 62.1% | ||
| Q2 24 | 42.5% | 55.2% |
净利率FICOPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | 30.9% | 50.9% | ||
| Q3 25 | 30.1% | 50.3% | ||
| Q2 25 | 33.9% | 50.5% | ||
| Q1 25 | 32.6% | 49.1% | ||
| Q4 24 | 34.7% | 48.6% | ||
| Q3 24 | 29.9% | 48.6% | ||
| Q2 24 | 28.2% | 43.1% |
每股收益（稀释后）FICOPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $6.61 | $1.48 | ||
| Q3 25 | $6.41 | $1.45 | ||
| Q2 25 | $7.40 | $1.42 | ||
| Q1 25 | $6.59 | $1.37 | ||
| Q4 24 | $6.14 | $1.36 | ||
| Q3 24 | $5.44 | $1.34 | ||
| Q2 24 | $5.05 | $1.17 |
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 | — |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $8.2B |
| 总资产 | $1.9B | $43.6B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FICOPB
| Q1 26 | — | — | ||
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | — | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | — | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — |
总债务FICOPB
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — |
股东权益FICOPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $-1.8B | $7.6B | ||
| Q3 25 | $-1.7B | $7.7B | ||
| Q2 25 | $-1.4B | $7.6B | ||
| Q1 25 | $-1.1B | $7.5B | ||
| Q4 24 | $-1.1B | $7.4B | ||
| Q3 24 | $-962.7M | $7.4B | ||
| Q2 24 | $-829.3M | $7.3B |
总资产FICOPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $1.9B | $38.5B | ||
| Q3 25 | $1.9B | $38.3B | ||
| Q2 25 | $1.9B | $38.4B | ||
| Q1 25 | $1.8B | $38.8B | ||
| Q4 24 | $1.7B | $39.6B | ||
| Q3 24 | $1.7B | $40.1B | ||
| Q2 24 | $1.7B | $39.8B |
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 | — |
| 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× | — |
| 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FICOPB
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $78.3M | ||
| Q3 25 | $223.7M | $194.8M | ||
| Q2 25 | $286.2M | $98.2M | ||
| Q1 25 | $74.9M | $178.2M | ||
| Q4 24 | $194.0M | $-205.8M | ||
| Q3 24 | $226.5M | $274.6M | ||
| Q2 24 | $213.3M | $216.5M |
自由现金流FICOPB
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $68.5M | ||
| Q3 25 | $219.5M | $185.7M | ||
| Q2 25 | $284.4M | $91.8M | ||
| Q1 25 | $72.8M | $171.1M | ||
| Q4 24 | $193.2M | $-210.7M | ||
| Q3 24 | $224.7M | $270.2M | ||
| Q2 24 | $211.6M | $211.8M |
自由现金流率FICOPB
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 24.9% | ||
| Q3 25 | 42.6% | 67.9% | ||
| Q2 25 | 53.0% | 34.3% | ||
| Q1 25 | 14.6% | 64.5% | ||
| Q4 24 | 43.9% | -78.7% | ||
| Q3 24 | 49.5% | 103.3% | ||
| Q2 24 | 47.2% | 81.8% |
资本支出强度FICOPB
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 3.6% | ||
| Q3 25 | 0.8% | 3.3% | ||
| Q2 25 | 0.3% | 2.4% | ||
| Q1 25 | 0.4% | 2.7% | ||
| Q4 24 | 0.2% | 1.8% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.4% | 1.8% |
现金转化率FICOPB
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 0.56× | ||
| Q3 25 | 1.44× | 1.42× | ||
| Q2 25 | 1.57× | 0.73× | ||
| Q1 25 | 0.46× | 1.37× | ||
| Q4 24 | 1.27× | -1.58× | ||
| Q3 24 | 1.67× | 2.16× | ||
| Q2 24 | 1.69× | 1.94× |
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% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
