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Fair Isaac（FICO）与PennyMac Financial Services, Inc.（PFSI）财务数据对比。点击上方公司名可切换其他公司
PennyMac Financial Services, Inc.的季度营收约是Fair Isaac的1.1倍（$538.0M vs $512.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 30.9%，领先1721.5%），Fair Isaac同比增速更快（16.4% vs 14.4%），Fair Isaac自由现金流更多（$173.9M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% 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。
PennyMac Financial Services是总部位于美国加利福尼亚州西湖村的住宅抵押贷款企业，核心业务涵盖美国抵押贷款的发放、贷后服务，以及抵押贷款市场相关投资管理。公司下设两家子公司，其中PNMAC资本管理有限公司负责运营旗下的抵押贷款不动产投资信托（REIT）PennyMac Mortgage Investment Trust。
FICO vs PFSI — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $538.0M |
| 净利润 | $158.4M | $106.8M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 25.0% |
| 净利率 | 30.9% | 1752.5% |
| 营收同比 | 16.4% | 14.4% |
| 净利润同比 | 3.8% | 2.2% |
| 每股收益（稀释后） | $6.61 | $1.97 |
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
| Q4 25 | $512.0M | $538.0M | ||
| Q3 25 | $515.8M | $632.9M | ||
| Q2 25 | $536.4M | $444.7M | ||
| Q1 25 | $498.7M | $430.9M | ||
| Q4 24 | $440.0M | $470.1M | ||
| Q3 24 | $453.8M | $411.8M | ||
| Q2 24 | $447.8M | $406.1M | ||
| Q1 24 | $433.8M | $305.7M |
| Q4 25 | $158.4M | $106.8M | ||
| Q3 25 | $155.0M | $181.5M | ||
| Q2 25 | $181.8M | $136.5M | ||
| Q1 25 | $162.6M | $76.3M | ||
| Q4 24 | $152.5M | $104.5M | ||
| Q3 24 | $135.7M | $69.4M | ||
| Q2 24 | $126.3M | $98.3M | ||
| Q1 24 | $129.8M | $39.3M |
| 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% | — |
| Q4 25 | 45.7% | 25.0% | ||
| Q3 25 | 46.0% | 37.3% | ||
| Q2 25 | 48.9% | 17.2% | ||
| Q1 25 | 49.3% | 24.2% | ||
| Q4 24 | 40.8% | 27.5% | ||
| Q3 24 | 43.4% | 22.8% | ||
| Q2 24 | 42.5% | 33.0% | ||
| Q1 24 | 44.9% | 14.4% |
| Q4 25 | 30.9% | 1752.5% | ||
| Q3 25 | 30.1% | 28.7% | ||
| Q2 25 | 33.9% | 30.7% | ||
| Q1 25 | 32.6% | 17.7% | ||
| Q4 24 | 34.7% | 2559.8% | ||
| Q3 24 | 29.9% | 16.8% | ||
| Q2 24 | 28.2% | 24.2% | ||
| Q1 24 | 29.9% | 12.9% |
| Q4 25 | $6.61 | $1.97 | ||
| Q3 25 | $6.41 | $3.37 | ||
| Q2 25 | $7.40 | $2.54 | ||
| Q1 25 | $6.59 | $1.42 | ||
| Q4 24 | $6.14 | $1.95 | ||
| Q3 24 | $5.44 | $1.30 | ||
| Q2 24 | $5.05 | $1.85 | ||
| Q1 24 | $5.16 | $0.74 |
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 | $410.0M |
| 总债务越低越好 | $3.2B | $6.2B |
| 股东权益账面价值 | $-1.8B | $4.3B |
| 总资产 | $1.9B | $29.4B |
| 负债/权益比越低杠杆越低 | — | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | $162.0M | $410.0M | ||
| Q3 25 | $134.1M | $62.2M | ||
| Q2 25 | $189.0M | $462.3M | ||
| Q1 25 | $146.6M | $443.4M | ||
| Q4 24 | $184.3M | $420.6M | ||
| Q3 24 | $150.7M | $667.9M | ||
| Q2 24 | $156.0M | $188.8M | ||
| Q1 24 | $135.7M | $69.0K |
| Q4 25 | $3.2B | $6.2B | ||
| Q3 25 | $3.1B | $6.2B | ||
| Q2 25 | $2.8B | $5.6B | ||
| Q1 25 | $2.5B | $5.8B | ||
| Q4 24 | $2.4B | $5.3B | ||
| Q3 24 | $2.2B | $4.9B | ||
| Q2 24 | $2.1B | $4.9B | ||
| Q1 24 | $2.0B | $4.5B |
| Q4 25 | $-1.8B | $4.3B | ||
| Q3 25 | $-1.7B | $4.2B | ||
| Q2 25 | $-1.4B | $4.0B | ||
| Q1 25 | $-1.1B | $3.9B | ||
| Q4 24 | $-1.1B | $3.8B | ||
| Q3 24 | $-962.7M | $3.7B | ||
| Q2 24 | $-829.3M | $3.7B | ||
| Q1 24 | $-735.7M | $3.6B |
| Q4 25 | $1.9B | $29.4B | ||
| Q3 25 | $1.9B | $25.4B | ||
| Q2 25 | $1.9B | $24.2B | ||
| Q1 25 | $1.8B | $23.9B | ||
| Q4 24 | $1.7B | $26.1B | ||
| Q3 24 | $1.7B | $22.9B | ||
| Q2 24 | $1.7B | $21.6B | ||
| Q1 24 | $1.7B | $19.8B |
| Q4 25 | — | 1.45× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | — | 1.38× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.35× | ||
| Q1 24 | — | 1.27× |
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 | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-1.7B |
| 自由现金流率自由现金流/营收 | 34.0% | -309.3% |
| 资本支出强度资本支出/营收 | 0.0% | 2.2% |
| 现金转化率经营现金流/净利润 | 1.10× | -15.46× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $-1.4B |
8季度趋势，按日历期对齐
| Q4 25 | $174.1M | $-1.7B | ||
| Q3 25 | $223.7M | $-697.4M | ||
| Q2 25 | $286.2M | $-131.3M | ||
| Q1 25 | $74.9M | $1.1B | ||
| Q4 24 | $194.0M | $-4.5B | ||
| Q3 24 | $226.5M | $-393.7M | ||
| Q2 24 | $213.3M | $-1.1B | ||
| Q1 24 | $71.0M | $-897.9M |
| Q4 25 | $173.9M | $-1.7B | ||
| Q3 25 | $219.5M | $-699.4M | ||
| Q2 25 | $284.4M | $-132.6M | ||
| Q1 25 | $72.8M | $1.1B | ||
| Q4 24 | $193.2M | $-4.5B | ||
| Q3 24 | $224.7M | $-393.9M | ||
| Q2 24 | $211.6M | $-1.1B | ||
| Q1 24 | $67.0M | $-898.9M |
| Q4 25 | 34.0% | -309.3% | ||
| Q3 25 | 42.6% | -110.5% | ||
| Q2 25 | 53.0% | -29.8% | ||
| Q1 25 | 14.6% | 247.3% | ||
| Q4 24 | 43.9% | -964.7% | ||
| Q3 24 | 49.5% | -95.6% | ||
| Q2 24 | 47.2% | -269.2% | ||
| Q1 24 | 15.4% | -294.1% |
| Q4 25 | 0.0% | 2.2% | ||
| Q3 25 | 0.8% | 0.3% | ||
| Q2 25 | 0.3% | 0.3% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 0.2% | 0.4% | ||
| Q3 24 | 0.4% | 0.0% | ||
| Q2 24 | 0.4% | 0.1% | ||
| Q1 24 | 0.9% | 0.3% |
| Q4 25 | 1.10× | -15.46× | ||
| Q3 25 | 1.44× | -3.84× | ||
| Q2 25 | 1.57× | -0.96× | ||
| Q1 25 | 0.46× | 13.97× | ||
| Q4 24 | 1.27× | -43.39× | ||
| Q3 24 | 1.67× | -5.68× | ||
| Q2 24 | 1.69× | -11.12× | ||
| Q1 24 | 0.55× | -22.84× |
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% |
PFSI
暂无分部数据
