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Fair Isaac（FICO）与ROYAL GOLD INC（RGLD）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ROYAL GOLD INC的1.4倍（$512.0M vs $375.3M），Fair Isaac净利率更高（30.9% vs 24.9%，领先6.0%），ROYAL GOLD INC同比增速更快（85.3% vs 16.4%），过去两年ROYAL GOLD INC的营收复合增速更高（58.8% 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。
Royal Gold Inc.是全球领先的贵金属流权与特许权经营企业，收购并管理多元化的矿业项目流权、净熔炼收益特许权及相关权益，资产覆盖黄金、白银、铜等品类，业务遍及多地区，无需直接承担采矿运营风险。
FICO vs RGLD — 直观对比
营收规模更大
FICO
是对方的1.4倍
$375.3M
营收增速更快
RGLD
高出68.9%
16.4%
净利率更高
FICO
高出6.0%
24.9%
两年增速更快
RGLD
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $375.3M |
| 净利润 | $158.4M | $93.6M |
| 毛利率 | 83.0% | 64.6% |
| 营业利润率 | 45.7% | 56.2% |
| 净利率 | 30.9% | 24.9% |
| 营收同比 | 16.4% | 85.3% |
| 净利润同比 | 3.8% | -12.8% |
| 每股收益（稀释后） | $6.61 | $1.04 |
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FICORGLD
| Q4 25 | $512.0M | $375.3M | ||
| Q3 25 | $515.8M | $252.1M | ||
| Q2 25 | $536.4M | $209.6M | ||
| Q1 25 | $498.7M | $193.4M | ||
| Q4 24 | $440.0M | $202.6M | ||
| Q3 24 | $453.8M | $193.8M | ||
| Q2 24 | $447.8M | $174.1M | ||
| Q1 24 | $433.8M | $148.9M |
净利润FICORGLD
| Q4 25 | $158.4M | $93.6M | ||
| Q3 25 | $155.0M | $126.8M | ||
| Q2 25 | $181.8M | $132.3M | ||
| Q1 25 | $162.6M | $113.5M | ||
| Q4 24 | $152.5M | $107.4M | ||
| Q3 24 | $135.7M | $96.2M | ||
| Q2 24 | $126.3M | $81.2M | ||
| Q1 24 | $129.8M | $47.2M |
毛利率FICORGLD
| Q4 25 | 83.0% | 64.6% | ||
| Q3 25 | 82.3% | 73.6% | ||
| Q2 25 | 83.7% | 72.6% | ||
| Q1 25 | 82.4% | 69.4% | ||
| Q4 24 | 80.1% | 70.3% | ||
| Q3 24 | 80.3% | 66.6% | ||
| Q2 24 | 80.3% | 64.7% | ||
| Q1 24 | 80.0% | 58.4% |
营业利润率FICORGLD
| Q4 25 | 45.7% | 56.2% | ||
| Q3 25 | 46.0% | 64.4% | ||
| Q2 25 | 48.9% | 67.7% | ||
| Q1 25 | 49.3% | 63.6% | ||
| Q4 24 | 40.8% | 65.9% | ||
| Q3 24 | 43.4% | 61.3% | ||
| Q2 24 | 42.5% | 58.6% | ||
| Q1 24 | 44.9% | 50.7% |
净利率FICORGLD
| Q4 25 | 30.9% | 24.9% | ||
| Q3 25 | 30.1% | 50.3% | ||
| Q2 25 | 33.9% | 63.1% | ||
| Q1 25 | 32.6% | 58.7% | ||
| Q4 24 | 34.7% | 53.0% | ||
| Q3 24 | 29.9% | 49.7% | ||
| Q2 24 | 28.2% | 46.6% | ||
| Q1 24 | 29.9% | 31.7% |
每股收益（稀释后）FICORGLD
| Q4 25 | $6.61 | $1.04 | ||
| Q3 25 | $6.41 | $1.92 | ||
| Q2 25 | $7.40 | $2.01 | ||
| Q1 25 | $6.59 | $1.72 | ||
| Q4 24 | $6.14 | $1.63 | ||
| Q3 24 | $5.44 | $1.46 | ||
| Q2 24 | $5.05 | $1.23 | ||
| Q1 24 | $5.16 | $0.72 |
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 | $233.7M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $7.2B |
| 总资产 | $1.9B | $9.5B |
| 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FICORGLD
| Q4 25 | $162.0M | $233.7M | ||
| Q3 25 | $134.1M | $172.8M | ||
| Q2 25 | $189.0M | $248.2M | ||
| Q1 25 | $146.6M | $240.8M | ||
| Q4 24 | $184.3M | $195.5M | ||
| Q3 24 | $150.7M | $127.9M | ||
| Q2 24 | $156.0M | $74.2M | ||
| Q1 24 | $135.7M | $137.9M |
总债务FICORGLD
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | $0 | ||
| Q2 24 | $2.1B | $50.0M | ||
| Q1 24 | $2.0B | — |
股东权益FICORGLD
| Q4 25 | $-1.8B | $7.2B | ||
| Q3 25 | $-1.7B | $3.4B | ||
| Q2 25 | $-1.4B | $3.3B | ||
| Q1 25 | $-1.1B | $3.2B | ||
| Q4 24 | $-1.1B | $3.1B | ||
| Q3 24 | $-962.7M | $3.0B | ||
| Q2 24 | $-829.3M | $3.0B | ||
| Q1 24 | $-735.7M | $2.9B |
总资产FICORGLD
| Q4 25 | $1.9B | $9.5B | ||
| Q3 25 | $1.9B | $4.5B | ||
| Q2 25 | $1.9B | $3.6B | ||
| Q1 25 | $1.8B | $3.5B | ||
| Q4 24 | $1.7B | $3.4B | ||
| Q3 24 | $1.7B | $3.3B | ||
| Q2 24 | $1.7B | $3.3B | ||
| Q1 24 | $1.7B | $3.3B |
负债/权益比FICORGLD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.02× | ||
| 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 | $241.7M |
| 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× | 2.58× |
| 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FICORGLD
| Q4 25 | $174.1M | $241.7M | ||
| Q3 25 | $223.7M | $174.0M | ||
| Q2 25 | $286.2M | $152.8M | ||
| Q1 25 | $74.9M | $136.4M | ||
| Q4 24 | $194.0M | $141.1M | ||
| Q3 24 | $226.5M | $136.7M | ||
| Q2 24 | $213.3M | $113.5M | ||
| Q1 24 | $71.0M | $138.3M |
自由现金流FICORGLD
| 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FICORGLD
| 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FICORGLD
| 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FICORGLD
| Q4 25 | 1.10× | 2.58× | ||
| Q3 25 | 1.44× | 1.37× | ||
| Q2 25 | 1.57× | 1.15× | ||
| Q1 25 | 0.46× | 1.20× | ||
| Q4 24 | 1.27× | 1.31× | ||
| Q3 24 | 1.67× | 1.42× | ||
| Q2 24 | 1.69× | 1.40× | ||
| Q1 24 | 0.55× | 2.93× |
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% |
RGLD
| Gold | $216.9M | 58% |
| Pueblo Viejo | $47.3M | 13% |
| Andacollo | $32.6M | 9% |
| Silver | $32.1M | 9% |
| Other | $27.2M | 7% |
| Copper | $13.7M | 4% |
| Cortez Legacy Zone | $5.4M | 1% |
