vs
Fair Isaac（FICO）与Primerica, Inc.（PRI）财务数据对比。点击上方公司名可切换其他公司
Primerica, Inc.的季度营收约是Fair Isaac的1.7倍（$872.7M vs $512.0M），Fair Isaac净利率更高（30.9% vs 21.8%，领先9.2%），Fair Isaac同比增速更快（16.4% vs 8.4%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 4.2%）
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。
Primerica, Inc.是一家采用多层次营销模式的金融服务机构，业务覆盖美国与加拿大市场，主要面向当地中等收入家庭提供保险、投资等多元化金融产品，满足客户的风险保障与差异化财富管理需求。
FICO vs PRI — 直观对比
营收规模更大
PRI
是对方的1.7倍
$512.0M
营收增速更快
FICO
高出7.9%
8.4%
净利率更高
FICO
高出9.2%
21.8%
两年增速更快
FICO
近两年复合增速
4.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $872.7M |
| 净利润 | $158.4M | $190.1M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 21.8% |
| 营收同比 | 16.4% | 8.4% |
| 净利润同比 | 3.8% | 12.4% |
| 每股收益（稀释后） | $6.61 | $5.97 |
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
营收FICOPRI
| Q1 26 | — | $872.7M | ||
| Q4 25 | $512.0M | $853.7M | ||
| Q3 25 | $515.8M | $839.9M | ||
| Q2 25 | $536.4M | $793.3M | ||
| Q1 25 | $498.7M | $804.8M | ||
| Q4 24 | $440.0M | $768.8M | ||
| Q3 24 | $453.8M | $774.1M | ||
| Q2 24 | $447.8M | $803.4M |
净利润FICOPRI
| Q1 26 | — | $190.1M | ||
| Q4 25 | $158.4M | $197.0M | ||
| Q3 25 | $155.0M | $206.8M | ||
| Q2 25 | $181.8M | $178.3M | ||
| Q1 25 | $162.6M | $169.1M | ||
| Q4 24 | $152.5M | $167.1M | ||
| Q3 24 | $135.7M | $164.4M | ||
| Q2 24 | $126.3M | $1.2M |
毛利率FICOPRI
| 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% | 98.0% |
营业利润率FICOPRI
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 28.9% | ||
| Q3 25 | 46.0% | 32.3% | ||
| Q2 25 | 48.9% | 29.6% | ||
| Q1 25 | 49.3% | 27.5% | ||
| Q4 24 | 40.8% | 64.7% | ||
| Q3 24 | 43.4% | 32.9% | ||
| Q2 24 | 42.5% | 1.0% |
净利率FICOPRI
| Q1 26 | — | 21.8% | ||
| Q4 25 | 30.9% | 23.1% | ||
| Q3 25 | 30.1% | 24.6% | ||
| Q2 25 | 33.9% | 22.5% | ||
| Q1 25 | 32.6% | 21.0% | ||
| Q4 24 | 34.7% | 21.7% | ||
| Q3 24 | 29.9% | 21.2% | ||
| Q2 24 | 28.2% | 0.1% |
每股收益（稀释后）FICOPRI
| Q1 26 | — | $5.97 | ||
| Q4 25 | $6.61 | $6.11 | ||
| Q3 25 | $6.41 | $6.35 | ||
| Q2 25 | $7.40 | $5.40 | ||
| Q1 25 | $6.59 | $5.05 | ||
| Q4 24 | $6.14 | $4.92 | ||
| Q3 24 | $5.44 | $4.83 | ||
| Q2 24 | $5.05 | $0.03 |
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 | $645.8M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $2.5B |
| 总资产 | $1.9B | $14.7B |
| 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FICOPRI
| Q1 26 | — | $645.8M | ||
| Q4 25 | $162.0M | $756.2M | ||
| Q3 25 | $134.1M | $644.9M | ||
| Q2 25 | $189.0M | $621.2M | ||
| Q1 25 | $146.6M | $625.1M | ||
| Q4 24 | $184.3M | $687.8M | ||
| Q3 24 | $150.7M | $550.1M | ||
| Q2 24 | $156.0M | $627.3M |
总债务FICOPRI
| 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FICOPRI
| Q1 26 | — | $2.5B | ||
| Q4 25 | $-1.8B | $2.4B | ||
| Q3 25 | $-1.7B | $2.3B | ||
| Q2 25 | $-1.4B | $2.3B | ||
| Q1 25 | $-1.1B | $2.3B | ||
| Q4 24 | $-1.1B | $2.3B | ||
| Q3 24 | $-962.7M | $1.9B | ||
| Q2 24 | $-829.3M | $2.1B |
总资产FICOPRI
| Q1 26 | — | $14.7B | ||
| Q4 25 | $1.9B | $15.0B | ||
| Q3 25 | $1.9B | $14.8B | ||
| Q2 25 | $1.9B | $14.8B | ||
| Q1 25 | $1.8B | $14.6B | ||
| Q4 24 | $1.7B | $14.6B | ||
| Q3 24 | $1.7B | $14.8B | ||
| Q2 24 | $1.7B | $14.6B |
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FICOPRI
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $338.2M | ||
| Q3 25 | $223.7M | $202.9M | ||
| Q2 25 | $286.2M | $162.6M | ||
| Q1 25 | $74.9M | $197.5M | ||
| Q4 24 | $194.0M | $270.6M | ||
| Q3 24 | $226.5M | $207.3M | ||
| Q2 24 | $213.3M | $173.3M |
自由现金流FICOPRI
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率FICOPRI
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度FICOPRI
| Q1 26 | — | — | ||
| 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% | — |
现金转化率FICOPRI
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 1.72× | ||
| Q3 25 | 1.44× | 0.98× | ||
| Q2 25 | 1.57× | 0.91× | ||
| Q1 25 | 0.46× | 1.17× | ||
| Q4 24 | 1.27× | 1.62× | ||
| Q3 24 | 1.67× | 1.26× | ||
| Q2 24 | 1.69× | 147.98× |
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% |
PRI
暂无分部数据
