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Fair Isaac（FICO）与EPLUS INC（PLUS）财务数据对比。点击上方公司名可切换其他公司
EPLUS INC的季度营收约是Fair Isaac的1.2倍（$614.8M vs $512.0M），Fair Isaac净利率更高（30.9% vs 5.7%，领先25.2%），EPLUS INC同比增速更快（20.3% vs 16.4%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 2.3%）
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。
ePlus Inc.是美国的科技咨询解决方案提供商，业务覆盖网络安全、云计算、网络架构、协作办公、人工智能及前沿技术领域，为超5000家客户提供定制化解决方案、专业咨询与托管服务，助力企业实现数字化转型与技术升级。
FICO vs PLUS — 直观对比
营收规模更大
PLUS
是对方的1.2倍
$512.0M
营收增速更快
PLUS
高出4.0%
16.4%
净利率更高
FICO
高出25.2%
5.7%
两年增速更快
FICO
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $614.8M |
| 净利润 | $158.4M | $35.1M |
| 毛利率 | 83.0% | 25.8% |
| 营业利润率 | 45.7% | 7.1% |
| 净利率 | 30.9% | 5.7% |
| 营收同比 | 16.4% | 20.3% |
| 净利润同比 | 3.8% | 45.2% |
| 每股收益（稀释后） | $6.61 | $1.33 |
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FICOPLUS
| Q4 25 | $512.0M | $614.8M | ||
| Q3 25 | $515.8M | $608.8M | ||
| Q2 25 | $536.4M | $637.3M | ||
| Q1 25 | $498.7M | — | ||
| Q4 24 | $440.0M | $493.2M | ||
| Q3 24 | $453.8M | $493.4M | ||
| Q2 24 | $447.8M | $535.7M | ||
| Q1 24 | $433.8M | — |
净利润FICOPLUS
| Q4 25 | $158.4M | $35.1M | ||
| Q3 25 | $155.0M | $34.9M | ||
| Q2 25 | $181.8M | $37.7M | ||
| Q1 25 | $162.6M | — | ||
| Q4 24 | $152.5M | $24.1M | ||
| Q3 24 | $135.7M | $31.3M | ||
| Q2 24 | $126.3M | $27.3M | ||
| Q1 24 | $129.8M | — |
毛利率FICOPLUS
| Q4 25 | 83.0% | 25.8% | ||
| Q3 25 | 82.3% | 26.6% | ||
| Q2 25 | 83.7% | 23.3% | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | 25.4% | ||
| Q3 24 | 80.3% | 25.8% | ||
| Q2 24 | 80.3% | 23.7% | ||
| Q1 24 | 80.0% | — |
营业利润率FICOPLUS
| Q4 25 | 45.7% | 7.1% | ||
| Q3 25 | 46.0% | 8.0% | ||
| Q2 25 | 48.9% | 5.7% | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.8% | 3.3% | ||
| Q3 24 | 43.4% | 5.5% | ||
| Q2 24 | 42.5% | 5.9% | ||
| Q1 24 | 44.9% | — |
净利率FICOPLUS
| Q4 25 | 30.9% | 5.7% | ||
| Q3 25 | 30.1% | 5.7% | ||
| Q2 25 | 33.9% | 5.9% | ||
| Q1 25 | 32.6% | — | ||
| Q4 24 | 34.7% | 4.9% | ||
| Q3 24 | 29.9% | 6.3% | ||
| Q2 24 | 28.2% | 5.1% | ||
| Q1 24 | 29.9% | — |
每股收益（稀释后）FICOPLUS
| Q4 25 | $6.61 | $1.33 | ||
| Q3 25 | $6.41 | $1.32 | ||
| Q2 25 | $7.40 | $1.43 | ||
| Q1 25 | $6.59 | — | ||
| Q4 24 | $6.14 | $0.91 | ||
| Q3 24 | $5.44 | $1.17 | ||
| Q2 24 | $5.05 | $1.02 | ||
| Q1 24 | $5.16 | — |
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 | $326.3M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $1.1B |
| 总资产 | $1.9B | $1.8B |
| 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FICOPLUS
| Q4 25 | $162.0M | $326.3M | ||
| Q3 25 | $134.1M | $402.2M | ||
| Q2 25 | $189.0M | $480.2M | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $253.1M | ||
| Q3 24 | $150.7M | $187.5M | ||
| Q2 24 | $156.0M | $349.9M | ||
| Q1 24 | $135.7M | — |
总债务FICOPLUS
| 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 | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOPLUS
| Q4 25 | $-1.8B | $1.1B | ||
| Q3 25 | $-1.7B | $1.0B | ||
| Q2 25 | $-1.4B | $1.0B | ||
| Q1 25 | $-1.1B | — | ||
| Q4 24 | $-1.1B | $962.3M | ||
| Q3 24 | $-962.7M | $947.0M | ||
| Q2 24 | $-829.3M | $921.9M | ||
| Q1 24 | $-735.7M | — |
总资产FICOPLUS
| Q4 25 | $1.9B | $1.8B | ||
| Q3 25 | $1.9B | $1.8B | ||
| Q2 25 | $1.9B | $1.8B | ||
| Q1 25 | $1.8B | — | ||
| Q4 24 | $1.7B | $1.8B | ||
| Q3 24 | $1.7B | $1.7B | ||
| Q2 24 | $1.7B | $1.7B | ||
| Q1 24 | $1.7B | — |
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 | $-87.4M |
| 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× | -2.49× |
| 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FICOPLUS
| Q4 25 | $174.1M | $-87.4M | ||
| Q3 25 | $223.7M | $-34.8M | ||
| Q2 25 | $286.2M | $-99.0M | ||
| Q1 25 | $74.9M | — | ||
| Q4 24 | $194.0M | $65.7M | ||
| Q3 24 | $226.5M | $-21.6M | ||
| Q2 24 | $213.3M | $97.1M | ||
| Q1 24 | $71.0M | — |
自由现金流FICOPLUS
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | — | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | — |
自由现金流率FICOPLUS
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | — | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | — |
资本支出强度FICOPLUS
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | — |
现金转化率FICOPLUS
| Q4 25 | 1.10× | -2.49× | ||
| Q3 25 | 1.44× | -1.00× | ||
| Q2 25 | 1.57× | -2.63× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 2.72× | ||
| Q3 24 | 1.67× | -0.69× | ||
| Q2 24 | 1.69× | 3.55× | ||
| 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% |
PLUS
| All Others Customer End Market | $107.0M | 17% |
| Technology Customer End Market | $89.4M | 15% |
| Health Care Customer End Market | $81.5M | 13% |
| Financial Services Customer End Market | $66.1M | 11% |
| Professional Services Reporting Unit | $64.1M | 10% |
| Security | $61.1M | 10% |
| State And Local Government And Educational Institutions | $59.9M | 10% |
| Managed Services Reporting Unit | $48.8M | 8% |
| Other Product | $21.1M | 3% |
| Collaboration | $13.4M | 2% |
