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Fair Isaac（FICO）与Childrens Place, Inc.（PLCE）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Childrens Place, Inc.的1.5倍（$512.0M vs $339.5M），Fair Isaac净利率更高（30.9% vs -1.3%，领先32.2%），Fair Isaac同比增速更快（16.4% vs -13.0%），Fair Isaac自由现金流更多（$173.9M vs $-3.4M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -13.6%）
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。
Children’s Place是专业儿童服饰零售商，产品主要以旗下自有品牌发售，涵盖Gymboree、Sugar & Jade、PJ Place、Crazy 8等。目前该品牌在美国、加拿大、波多黎各共开设约525家门店，同时通过两个线上渠道以及15个国家的5家加盟合作伙伴开展销售，产品涵盖上衣、裙装、鞋履、裤装、睡衣、背包等全品类儿童服饰配件。
FICO vs PLCE — 直观对比
营收规模更大
FICO
是对方的1.5倍
$339.5M
营收增速更快
FICO
高出29.4%
-13.0%
净利率更高
FICO
高出32.2%
-1.3%
自由现金流更多
FICO
多$177.3M
$-3.4M
两年增速更快
FICO
近两年复合增速
-13.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $339.5M |
| 净利润 | $158.4M | $-4.3M |
| 毛利率 | 83.0% | 33.1% |
| 营业利润率 | 45.7% | 1.1% |
| 净利率 | 30.9% | -1.3% |
| 营收同比 | 16.4% | -13.0% |
| 净利润同比 | 3.8% | -121.5% |
| 每股收益（稀释后） | $6.61 | $-0.19 |
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FICOPLCE
| Q4 25 | $512.0M | $339.5M | ||
| Q3 25 | $515.8M | $298.0M | ||
| Q2 25 | $536.4M | $242.1M | ||
| Q1 25 | $498.7M | $408.6M | ||
| Q4 24 | $440.0M | $390.2M | ||
| Q3 24 | $453.8M | $319.7M | ||
| Q2 24 | $447.8M | $267.9M | ||
| Q1 24 | $433.8M | $455.0M |
净利润FICOPLCE
| Q4 25 | $158.4M | $-4.3M | ||
| Q3 25 | $155.0M | $-5.4M | ||
| Q2 25 | $181.8M | $-34.0M | ||
| Q1 25 | $162.6M | $-8.0M | ||
| Q4 24 | $152.5M | $20.1M | ||
| Q3 24 | $135.7M | $-32.1M | ||
| Q2 24 | $126.3M | $-37.8M | ||
| Q1 24 | $129.8M | $-128.8M |
毛利率FICOPLCE
| Q4 25 | 83.0% | 33.1% | ||
| Q3 25 | 82.3% | 34.0% | ||
| Q2 25 | 83.7% | 29.2% | ||
| Q1 25 | 82.4% | 28.5% | ||
| Q4 24 | 80.1% | 35.5% | ||
| Q3 24 | 80.3% | 35.0% | ||
| Q2 24 | 80.3% | 34.6% | ||
| Q1 24 | 80.0% | 21.8% |
营业利润率FICOPLCE
| Q4 25 | 45.7% | 1.1% | ||
| Q3 25 | 46.0% | 1.4% | ||
| Q2 25 | 48.9% | -10.0% | ||
| Q1 25 | 49.3% | 1.7% | ||
| Q4 24 | 40.8% | 7.5% | ||
| Q3 24 | 43.4% | -6.8% | ||
| Q2 24 | 42.5% | -10.4% | ||
| Q1 24 | 44.9% | -13.6% |
净利率FICOPLCE
| Q4 25 | 30.9% | -1.3% | ||
| Q3 25 | 30.1% | -1.8% | ||
| Q2 25 | 33.9% | -14.1% | ||
| Q1 25 | 32.6% | -2.0% | ||
| Q4 24 | 34.7% | 5.1% | ||
| Q3 24 | 29.9% | -10.0% | ||
| Q2 24 | 28.2% | -14.1% | ||
| Q1 24 | 29.9% | -28.3% |
每股收益（稀释后）FICOPLCE
| Q4 25 | $6.61 | $-0.19 | ||
| Q3 25 | $6.41 | $-0.24 | ||
| Q2 25 | $7.40 | $-1.57 | ||
| Q1 25 | $6.59 | $-0.60 | ||
| Q4 24 | $6.14 | $1.57 | ||
| Q3 24 | $5.44 | $-2.51 | ||
| Q2 24 | $5.05 | $-2.98 | ||
| Q1 24 | $5.16 | $-10.24 |
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 | $7.3M |
| 总债务越低越好 | $3.2B | $107.4M |
| 股东权益账面价值 | $-1.8B | $-8.6M |
| 总资产 | $1.9B | $762.5M |
| 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FICOPLCE
| Q4 25 | $162.0M | $7.3M | ||
| Q3 25 | $134.1M | $7.8M | ||
| Q2 25 | $189.0M | $5.7M | ||
| Q1 25 | $146.6M | $5.3M | ||
| Q4 24 | $184.3M | $5.7M | ||
| Q3 24 | $150.7M | $9.6M | ||
| Q2 24 | $156.0M | $13.0M | ||
| Q1 24 | $135.7M | $13.6M |
总债务FICOPLCE
| Q4 25 | $3.2B | $107.4M | ||
| Q3 25 | $3.1B | $107.2M | ||
| Q2 25 | $2.8B | $107.0M | ||
| Q1 25 | $2.5B | $166.0M | ||
| Q4 24 | $2.4B | $165.7M | ||
| Q3 24 | $2.2B | $165.4M | ||
| Q2 24 | $2.1B | $166.6M | ||
| Q1 24 | $2.0B | $49.8M |
股东权益FICOPLCE
| Q4 25 | $-1.8B | $-8.6M | ||
| Q3 25 | $-1.7B | $-4.9M | ||
| Q2 25 | $-1.4B | $1.4M | ||
| Q1 25 | $-1.1B | $-59.4M | ||
| Q4 24 | $-1.1B | $-49.6M | ||
| Q3 24 | $-962.7M | $-68.9M | ||
| Q2 24 | $-829.3M | $-34.9M | ||
| Q1 24 | $-735.7M | $-9.0M |
总资产FICOPLCE
| Q4 25 | $1.9B | $762.5M | ||
| Q3 25 | $1.9B | $805.1M | ||
| Q2 25 | $1.9B | $779.6M | ||
| Q1 25 | $1.8B | $747.6M | ||
| Q4 24 | $1.7B | $888.8M | ||
| Q3 24 | $1.7B | $921.4M | ||
| Q2 24 | $1.7B | $848.3M | ||
| Q1 24 | $1.7B | $800.3M |
负债/权益比FICOPLCE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 75.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $6.2M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-3.4M |
| 自由现金流率自由现金流/营收 | 34.0% | -1.0% |
| 资本支出强度资本支出/营收 | 0.0% | 2.8% |
| 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 | $39.5M |
8季度趋势，按日历期对齐
经营现金流FICOPLCE
| Q4 25 | $174.1M | $6.2M | ||
| Q3 25 | $223.7M | $-30.5M | ||
| Q2 25 | $286.2M | $-43.0M | ||
| Q1 25 | $74.9M | $121.3M | ||
| Q4 24 | $194.0M | $-44.2M | ||
| Q3 24 | $226.5M | $-83.9M | ||
| Q2 24 | $213.3M | $-110.8M | ||
| Q1 24 | $71.0M | $135.4M |
自由现金流FICOPLCE
| Q4 25 | $173.9M | $-3.4M | ||
| Q3 25 | $219.5M | $-31.9M | ||
| Q2 25 | $284.4M | $-46.4M | ||
| Q1 25 | $72.8M | $121.2M | ||
| Q4 24 | $193.2M | $-47.7M | ||
| Q3 24 | $224.7M | $-91.7M | ||
| Q2 24 | $211.6M | $-115.5M | ||
| Q1 24 | $67.0M | $132.2M |
自由现金流率FICOPLCE
| Q4 25 | 34.0% | -1.0% | ||
| Q3 25 | 42.6% | -10.7% | ||
| Q2 25 | 53.0% | -19.2% | ||
| Q1 25 | 14.6% | 29.7% | ||
| Q4 24 | 43.9% | -12.2% | ||
| Q3 24 | 49.5% | -28.7% | ||
| Q2 24 | 47.2% | -43.1% | ||
| Q1 24 | 15.4% | 29.1% |
资本支出强度FICOPLCE
| Q4 25 | 0.0% | 2.8% | ||
| Q3 25 | 0.8% | 0.5% | ||
| Q2 25 | 0.3% | 1.4% | ||
| Q1 25 | 0.4% | 0.0% | ||
| Q4 24 | 0.2% | 0.9% | ||
| Q3 24 | 0.4% | 2.4% | ||
| Q2 24 | 0.4% | 1.8% | ||
| Q1 24 | 0.9% | 0.7% |
现金转化率FICOPLCE
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | -2.20× | ||
| 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% |
PLCE
| The Childrens Place US | $307.4M | 91% |
| The Childrens Place International | $32.1M | 9% |
| Gift Cards | $1.7M | 1% |
