vs
Fair Isaac（FICO）与Insulet Corporation（PODD）财务数据对比。点击上方公司名可切换其他公司
Insulet Corporation的季度营收约是Fair Isaac的1.5倍（$783.7M vs $512.0M），Fair Isaac净利率更高（30.9% vs 13.0%，领先18.0%），Insulet Corporation同比增速更快（31.2% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $48.2M），过去两年Insulet Corporation的营收复合增速更高（33.2% 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。
Insulet Corporation是深耕糖尿病治疗领域的医疗器械企业，核心产品为胰岛素泵，通过持续皮下输注胰岛素的疗法为患者给药。其产品通常由泵主体、一次性胰岛素储药仓，以及包含皮下植入套管和连接管路的一次性输注套件构成，满足不同患者的治疗需求。
FICO vs PODD — 直观对比
营收规模更大
PODD
是对方的1.5倍
$512.0M
营收增速更快
PODD
高出14.8%
16.4%
净利率更高
FICO
高出18.0%
13.0%
自由现金流更多
FICO
多$125.7M
$48.2M
两年增速更快
PODD
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $783.7M |
| 净利润 | $158.4M | $101.6M |
| 毛利率 | 83.0% | 72.6% |
| 营业利润率 | 45.7% | 18.7% |
| 净利率 | 30.9% | 13.0% |
| 营收同比 | 16.4% | 31.2% |
| 净利润同比 | 3.8% | 0.9% |
| 每股收益（稀释后） | $6.61 | $1.42 |
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FICOPODD
| Q4 25 | $512.0M | $783.7M | ||
| Q3 25 | $515.8M | $706.3M | ||
| Q2 25 | $536.4M | $649.1M | ||
| Q1 25 | $498.7M | $569.0M | ||
| Q4 24 | $440.0M | $597.5M | ||
| Q3 24 | $453.8M | $543.9M | ||
| Q2 24 | $447.8M | $488.5M | ||
| Q1 24 | $433.8M | $441.7M |
净利润FICOPODD
| Q4 25 | $158.4M | $101.6M | ||
| Q3 25 | $155.0M | $87.6M | ||
| Q2 25 | $181.8M | $22.5M | ||
| Q1 25 | $162.6M | $35.4M | ||
| Q4 24 | $152.5M | $100.7M | ||
| Q3 24 | $135.7M | $77.5M | ||
| Q2 24 | $126.3M | $188.6M | ||
| Q1 24 | $129.8M | $51.5M |
毛利率FICOPODD
| Q4 25 | 83.0% | 72.6% | ||
| Q3 25 | 82.3% | 72.2% | ||
| Q2 25 | 83.7% | 69.7% | ||
| Q1 25 | 82.4% | 71.9% | ||
| Q4 24 | 80.1% | 72.1% | ||
| Q3 24 | 80.3% | 69.3% | ||
| Q2 24 | 80.3% | 67.7% | ||
| Q1 24 | 80.0% | 69.5% |
营业利润率FICOPODD
| Q4 25 | 45.7% | 18.7% | ||
| Q3 25 | 46.0% | 16.7% | ||
| Q2 25 | 48.9% | 18.7% | ||
| Q1 25 | 49.3% | 15.6% | ||
| Q4 24 | 40.8% | 18.3% | ||
| Q3 24 | 43.4% | 16.2% | ||
| Q2 24 | 42.5% | 11.2% | ||
| Q1 24 | 44.9% | 12.9% |
净利率FICOPODD
| Q4 25 | 30.9% | 13.0% | ||
| Q3 25 | 30.1% | 12.4% | ||
| Q2 25 | 33.9% | 3.5% | ||
| Q1 25 | 32.6% | 6.2% | ||
| Q4 24 | 34.7% | 16.9% | ||
| Q3 24 | 29.9% | 14.2% | ||
| Q2 24 | 28.2% | 38.6% | ||
| Q1 24 | 29.9% | 11.7% |
每股收益（稀释后）FICOPODD
| Q4 25 | $6.61 | $1.42 | ||
| Q3 25 | $6.41 | $1.24 | ||
| Q2 25 | $7.40 | $0.32 | ||
| Q1 25 | $6.59 | $0.50 | ||
| Q4 24 | $6.14 | $1.38 | ||
| Q3 24 | $5.44 | $1.08 | ||
| Q2 24 | $5.05 | $2.59 | ||
| Q1 24 | $5.16 | $0.73 |
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 | $930.8M |
| 股东权益账面价值 | $-1.8B | $1.5B |
| 总资产 | $1.9B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.61× |
8季度趋势，按日历期对齐
现金及短期投资FICOPODD
| 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 | — | ||
| Q1 24 | $135.7M | — |
总债务FICOPODD
| Q4 25 | $3.2B | $930.8M | ||
| Q3 25 | $3.1B | $934.9M | ||
| Q2 25 | $2.8B | $939.0M | ||
| Q1 25 | $2.5B | $1.6B | ||
| Q4 24 | $2.4B | $1.3B | ||
| Q3 24 | $2.2B | $1.4B | ||
| Q2 24 | $2.1B | $1.4B | ||
| Q1 24 | $2.0B | $1.4B |
股东权益FICOPODD
| Q4 25 | $-1.8B | $1.5B | ||
| Q3 25 | $-1.7B | $1.4B | ||
| Q2 25 | $-1.4B | $1.5B | ||
| Q1 25 | $-1.1B | $1.3B | ||
| Q4 24 | $-1.1B | $1.2B | ||
| Q3 24 | $-962.7M | $1.1B | ||
| Q2 24 | $-829.3M | $998.4M | ||
| Q1 24 | $-735.7M | $790.7M |
总资产FICOPODD
| Q4 25 | $1.9B | $3.2B | ||
| Q3 25 | $1.9B | $3.0B | ||
| Q2 25 | $1.9B | $3.5B | ||
| Q1 25 | $1.8B | $3.5B | ||
| Q4 24 | $1.7B | $3.1B | ||
| Q3 24 | $1.7B | $3.0B | ||
| Q2 24 | $1.7B | $2.9B | ||
| Q1 24 | $1.7B | $2.6B |
负债/权益比FICOPODD
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.68× | ||
| Q2 25 | — | 0.64× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | — | 1.07× | ||
| Q3 24 | — | 1.21× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 1.72× |
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 | $183.3M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $48.2M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.2% |
| 资本支出强度资本支出/营收 | 0.0% | 17.2% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.80× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $377.7M |
8季度趋势，按日历期对齐
经营现金流FICOPODD
| Q4 25 | $174.1M | $183.3M | ||
| Q3 25 | $223.7M | $125.7M | ||
| Q2 25 | $286.2M | $196.5M | ||
| Q1 25 | $74.9M | $63.8M | ||
| Q4 24 | $194.0M | $147.7M | ||
| Q3 24 | $226.5M | $98.5M | ||
| Q2 24 | $213.3M | $96.5M | ||
| Q1 24 | $71.0M | $87.6M |
自由现金流FICOPODD
| Q4 25 | $173.9M | $48.2M | ||
| Q3 25 | $219.5M | $100.1M | ||
| Q2 25 | $284.4M | $177.9M | ||
| Q1 25 | $72.8M | $51.5M | ||
| Q4 24 | $193.2M | $94.1M | ||
| Q3 24 | $224.7M | $71.8M | ||
| Q2 24 | $211.6M | $74.0M | ||
| Q1 24 | $67.0M | $65.5M |
自由现金流率FICOPODD
| Q4 25 | 34.0% | 6.2% | ||
| Q3 25 | 42.6% | 14.2% | ||
| Q2 25 | 53.0% | 27.4% | ||
| Q1 25 | 14.6% | 9.1% | ||
| Q4 24 | 43.9% | 15.7% | ||
| Q3 24 | 49.5% | 13.2% | ||
| Q2 24 | 47.2% | 15.1% | ||
| Q1 24 | 15.4% | 14.8% |
资本支出强度FICOPODD
| Q4 25 | 0.0% | 17.2% | ||
| Q3 25 | 0.8% | 3.6% | ||
| Q2 25 | 0.3% | 2.9% | ||
| Q1 25 | 0.4% | 2.2% | ||
| Q4 24 | 0.2% | 9.0% | ||
| Q3 24 | 0.4% | 4.9% | ||
| Q2 24 | 0.4% | 4.6% | ||
| Q1 24 | 0.9% | 5.0% |
现金转化率FICOPODD
| Q4 25 | 1.10× | 1.80× | ||
| Q3 25 | 1.44× | 1.43× | ||
| Q2 25 | 1.57× | 8.73× | ||
| Q1 25 | 0.46× | 1.80× | ||
| Q4 24 | 1.27× | 1.47× | ||
| Q3 24 | 1.67× | 1.27× | ||
| Q2 24 | 1.69× | 0.51× | ||
| Q1 24 | 0.55× | 1.70× |
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% |
PODD
| U.S.Omnipod | $567.8M | 72% |
| International Omnipod | $214.0M | 27% |
| Drug Delivery | $1.9M | 0% |
