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Fair Isaac（FICO）与Regency Centers（REG）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Regency Centers的1.3倍（$512.0M vs $404.2M），Regency Centers净利率更高（50.1% vs 30.9%，领先19.2%），Fair Isaac同比增速更快（16.4% vs 8.5%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 5.4%）
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。
Regency Centers是总部位于美国佛罗里达州杰克逊维尔的房地产投资信托基金，也是以超市为核心租户的大型购物中心运营商之一。截至2020年10月21日，公司共持有415处物业，总建筑面积达5600万平方英尺，知名资产包括Serramonte Center及Village District 30%的股权。
FICO vs REG — 直观对比
营收规模更大
FICO
是对方的1.3倍
$404.2M
营收增速更快
FICO
高出7.9%
8.5%
净利率更高
REG
高出19.2%
30.9%
两年增速更快
FICO
近两年复合增速
5.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $404.2M |
| 净利润 | $158.4M | $202.5M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 71.0% |
| 净利率 | 30.9% | 50.1% |
| 营收同比 | 16.4% | 8.5% |
| 净利润同比 | 3.8% | 134.1% |
| 每股收益（稀释后） | $6.61 | — |
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FICOREG
| Q4 25 | $512.0M | $404.2M | ||
| Q3 25 | $515.8M | $387.6M | ||
| Q2 25 | $536.4M | $380.8M | ||
| Q1 25 | $498.7M | $380.9M | ||
| Q4 24 | $440.0M | $372.5M | ||
| Q3 24 | $453.8M | $360.3M | ||
| Q2 24 | $447.8M | $357.3M | ||
| Q1 24 | $433.8M | $363.9M |
净利润FICOREG
| Q4 25 | $158.4M | $202.5M | ||
| Q3 25 | $155.0M | $109.4M | ||
| Q2 25 | $181.8M | $106.0M | ||
| Q1 25 | $162.6M | $109.6M | ||
| Q4 24 | $152.5M | $86.5M | ||
| Q3 24 | $135.7M | $101.5M | ||
| Q2 24 | $126.3M | $102.7M | ||
| Q1 24 | $129.8M | $109.8M |
毛利率FICOREG
| 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% | — |
营业利润率FICOREG
| Q4 25 | 45.7% | 71.0% | ||
| Q3 25 | 46.0% | 72.7% | ||
| Q2 25 | 48.9% | 73.8% | ||
| Q1 25 | 49.3% | 71.8% | ||
| Q4 24 | 40.8% | 71.1% | ||
| Q3 24 | 43.4% | 72.5% | ||
| Q2 24 | 42.5% | 72.3% | ||
| Q1 24 | 44.9% | 72.3% |
净利率FICOREG
| Q4 25 | 30.9% | 50.1% | ||
| Q3 25 | 30.1% | 28.2% | ||
| Q2 25 | 33.9% | 27.8% | ||
| Q1 25 | 32.6% | 28.8% | ||
| Q4 24 | 34.7% | 23.2% | ||
| Q3 24 | 29.9% | 28.2% | ||
| Q2 24 | 28.2% | 28.7% | ||
| Q1 24 | 29.9% | 30.2% |
每股收益（稀释后）FICOREG
| Q4 25 | $6.61 | — | ||
| Q3 25 | $6.41 | — | ||
| Q2 25 | $7.40 | — | ||
| Q1 25 | $6.59 | — | ||
| Q4 24 | $6.14 | — | ||
| Q3 24 | $5.44 | — | ||
| Q2 24 | $5.05 | — | ||
| 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 | — |
| 总债务越低越好 | $3.2B | $4.7B |
| 股东权益账面价值 | $-1.8B | $6.9B |
| 总资产 | $1.9B | $13.0B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资FICOREG
| 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FICOREG
| Q4 25 | $3.2B | $4.7B | ||
| Q3 25 | $3.1B | $4.9B | ||
| Q2 25 | $2.8B | $4.8B | ||
| Q1 25 | $2.5B | $4.6B | ||
| Q4 24 | $2.4B | $4.4B | ||
| Q3 24 | $2.2B | $4.4B | ||
| Q2 24 | $2.1B | $4.4B | ||
| Q1 24 | $2.0B | $4.4B |
股东权益FICOREG
| Q4 25 | $-1.8B | $6.9B | ||
| Q3 25 | $-1.7B | $6.8B | ||
| Q2 25 | $-1.4B | $6.7B | ||
| Q1 25 | $-1.1B | $6.7B | ||
| Q4 24 | $-1.1B | $6.7B | ||
| Q3 24 | $-962.7M | $6.8B | ||
| Q2 24 | $-829.3M | $6.8B | ||
| Q1 24 | $-735.7M | $7.0B |
总资产FICOREG
| Q4 25 | $1.9B | $13.0B | ||
| Q3 25 | $1.9B | $13.1B | ||
| Q2 25 | $1.9B | $12.7B | ||
| Q1 25 | $1.8B | $12.6B | ||
| Q4 24 | $1.7B | $12.4B | ||
| Q3 24 | $1.7B | $12.4B | ||
| Q2 24 | $1.7B | $12.4B | ||
| Q1 24 | $1.7B | $12.7B |
负债/权益比FICOREG
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.72× | ||
| Q2 25 | — | 0.72× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | 0.66× | ||
| Q3 24 | — | 0.65× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.63× |
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 | $203.9M |
| 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× | 1.01× |
| 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FICOREG
| Q4 25 | $174.1M | $203.9M | ||
| Q3 25 | $223.7M | $218.7M | ||
| Q2 25 | $286.2M | $244.0M | ||
| Q1 25 | $74.9M | $161.0M | ||
| Q4 24 | $194.0M | $191.4M | ||
| Q3 24 | $226.5M | $227.6M | ||
| Q2 24 | $213.3M | $203.5M | ||
| Q1 24 | $71.0M | $167.8M |
自由现金流FICOREG
| 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FICOREG
| 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FICOREG
| 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FICOREG
| Q4 25 | 1.10× | 1.01× | ||
| Q3 25 | 1.44× | 2.00× | ||
| Q2 25 | 1.57× | 2.30× | ||
| Q1 25 | 0.46× | 1.47× | ||
| Q4 24 | 1.27× | 2.21× | ||
| Q3 24 | 1.67× | 2.24× | ||
| Q2 24 | 1.69× | 1.98× | ||
| Q1 24 | 0.55× | 1.53× |
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% |
REG
| Shopping Centers | $418.0M | 103% |
| Propertymanagementservices | $4.1M | 1% |
| Assetmanagementservices | $1.7M | 0% |
