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Fair Isaac（FICO）与Ryman Hospitality Properties, Inc.（RHP）财务数据对比。点击上方公司名可切换其他公司
Ryman Hospitality Properties, Inc.的季度营收约是Fair Isaac的1.4倍（$737.8M vs $512.0M），Fair Isaac净利率更高（30.9% vs 10.1%，领先20.8%），Fair Isaac同比增速更快（16.4% vs 13.9%），Fair Isaac自由现金流更多（$173.9M vs $58.5M），过去两年Ryman Hospitality Properties, Inc.的营收复合增速更高（18.2% 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。
莱曼酒店地产是一家主营酒店、度假村、娱乐及媒体业务的企业，得名于旗下位于田纳西州纳什维尔的国家历史地标莱曼礼堂。公司历史可追溯至曾为俄克拉荷马出版公司子公司时期，1983年收购WSM公司后奠定现代业务基础，同时将知名演出IP大奥普里等核心资产纳入麾下。
FICO vs RHP — 直观对比
营收规模更大
RHP
是对方的1.4倍
$512.0M
营收增速更快
FICO
高出2.4%
13.9%
净利率更高
FICO
高出20.8%
10.1%
自由现金流更多
FICO
多$115.3M
$58.5M
两年增速更快
RHP
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $737.8M |
| 净利润 | $158.4M | $74.5M |
| 毛利率 | 83.0% | 41.4% |
| 营业利润率 | 45.7% | 19.4% |
| 净利率 | 30.9% | 10.1% |
| 营收同比 | 16.4% | 13.9% |
| 净利润同比 | 3.8% | 3.0% |
| 每股收益（稀释后） | $6.61 | $1.12 |
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FICORHP
| Q4 25 | $512.0M | $737.8M | ||
| Q3 25 | $515.8M | $592.5M | ||
| Q2 25 | $536.4M | $659.5M | ||
| Q1 25 | $498.7M | $587.3M | ||
| Q4 24 | $440.0M | $647.6M | ||
| Q3 24 | $453.8M | $550.0M | ||
| Q2 24 | $447.8M | $613.3M | ||
| Q1 24 | $433.8M | $528.3M |
净利润FICORHP
| Q4 25 | $158.4M | $74.5M | ||
| Q3 25 | $155.0M | $34.9M | ||
| Q2 25 | $181.8M | $71.8M | ||
| Q1 25 | $162.6M | $63.0M | ||
| Q4 24 | $152.5M | $72.3M | ||
| Q3 24 | $135.7M | $59.0M | ||
| Q2 24 | $126.3M | $100.8M | ||
| Q1 24 | $129.8M | $42.8M |
毛利率FICORHP
| Q4 25 | 83.0% | 41.4% | ||
| Q3 25 | 82.3% | 40.9% | ||
| Q2 25 | 83.7% | 49.7% | ||
| Q1 25 | 82.4% | 44.4% | ||
| Q4 24 | 80.1% | 40.4% | ||
| Q3 24 | 80.3% | 43.1% | ||
| Q2 24 | 80.3% | 48.4% | ||
| Q1 24 | 80.0% | 41.5% |
营业利润率FICORHP
| Q4 25 | 45.7% | 19.4% | ||
| Q3 25 | 46.0% | 15.0% | ||
| Q2 25 | 48.9% | 21.1% | ||
| Q1 25 | 49.3% | 19.8% | ||
| Q4 24 | 40.8% | 18.6% | ||
| Q3 24 | 43.4% | 19.3% | ||
| Q2 24 | 42.5% | 27.4% | ||
| Q1 24 | 44.9% | 18.2% |
净利率FICORHP
| Q4 25 | 30.9% | 10.1% | ||
| Q3 25 | 30.1% | 5.9% | ||
| Q2 25 | 33.9% | 10.9% | ||
| Q1 25 | 32.6% | 10.7% | ||
| Q4 24 | 34.7% | 11.2% | ||
| Q3 24 | 29.9% | 10.7% | ||
| Q2 24 | 28.2% | 16.4% | ||
| Q1 24 | 29.9% | 8.1% |
每股收益（稀释后）FICORHP
| Q4 25 | $6.61 | $1.12 | ||
| Q3 25 | $6.41 | $0.53 | ||
| Q2 25 | $7.40 | $1.12 | ||
| Q1 25 | $6.59 | $1.00 | ||
| Q4 24 | $6.14 | $1.12 | ||
| Q3 24 | $5.44 | $0.94 | ||
| Q2 24 | $5.05 | $1.65 | ||
| Q1 24 | $5.16 | $0.67 |
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 | $471.4M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $750.2M |
| 总资产 | $1.9B | $6.2B |
| 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FICORHP
| Q4 25 | $162.0M | $471.4M | ||
| Q3 25 | $134.1M | $483.3M | ||
| Q2 25 | $189.0M | $420.6M | ||
| Q1 25 | $146.6M | $413.9M | ||
| Q4 24 | $184.3M | $477.7M | ||
| Q3 24 | $150.7M | $534.9M | ||
| Q2 24 | $156.0M | $498.4M | ||
| Q1 24 | $135.7M | $465.3M |
总债务FICORHP
| 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FICORHP
| Q4 25 | $-1.8B | $750.2M | ||
| Q3 25 | $-1.7B | $758.5M | ||
| Q2 25 | $-1.4B | $800.4M | ||
| Q1 25 | $-1.1B | $531.5M | ||
| Q4 24 | $-1.1B | $549.0M | ||
| Q3 24 | $-962.7M | $551.9M | ||
| Q2 24 | $-829.3M | $562.6M | ||
| Q1 24 | $-735.7M | $529.9M |
总资产FICORHP
| Q4 25 | $1.9B | $6.2B | ||
| Q3 25 | $1.9B | $6.2B | ||
| Q2 25 | $1.9B | $6.1B | ||
| Q1 25 | $1.8B | $5.2B | ||
| Q4 24 | $1.7B | $5.2B | ||
| Q3 24 | $1.7B | $5.2B | ||
| Q2 24 | $1.7B | $5.1B | ||
| Q1 24 | $1.7B | $5.1B |
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 | $164.7M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $58.5M |
| 自由现金流率自由现金流/营收 | 34.0% | 7.9% |
| 资本支出强度资本支出/营收 | 0.0% | 14.4% |
| 现金转化率经营现金流/净利润 | 1.10× | 2.21× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $232.4M |
8季度趋势，按日历期对齐
经营现金流FICORHP
| Q4 25 | $174.1M | $164.7M | ||
| Q3 25 | $223.7M | $205.2M | ||
| Q2 25 | $286.2M | $122.5M | ||
| Q1 25 | $74.9M | $98.2M | ||
| Q4 24 | $194.0M | $166.6M | ||
| Q3 24 | $226.5M | $218.1M | ||
| Q2 24 | $213.3M | $184.3M | ||
| Q1 24 | $71.0M | $7.5M |
自由现金流FICORHP
| Q4 25 | $173.9M | $58.5M | ||
| Q3 25 | $219.5M | $135.4M | ||
| Q2 25 | $284.4M | $53.0M | ||
| Q1 25 | $72.8M | $-14.5M | ||
| Q4 24 | $193.2M | $76.0M | ||
| Q3 24 | $224.7M | $85.7M | ||
| Q2 24 | $211.6M | $78.8M | ||
| Q1 24 | $67.0M | $-72.0M |
自由现金流率FICORHP
| Q4 25 | 34.0% | 7.9% | ||
| Q3 25 | 42.6% | 22.9% | ||
| Q2 25 | 53.0% | 8.0% | ||
| Q1 25 | 14.6% | -2.5% | ||
| Q4 24 | 43.9% | 11.7% | ||
| Q3 24 | 49.5% | 15.6% | ||
| Q2 24 | 47.2% | 12.9% | ||
| Q1 24 | 15.4% | -13.6% |
资本支出强度FICORHP
| Q4 25 | 0.0% | 14.4% | ||
| Q3 25 | 0.8% | 11.8% | ||
| Q2 25 | 0.3% | 10.5% | ||
| Q1 25 | 0.4% | 19.2% | ||
| Q4 24 | 0.2% | 14.0% | ||
| Q3 24 | 0.4% | 24.1% | ||
| Q2 24 | 0.4% | 17.2% | ||
| Q1 24 | 0.9% | 15.0% |
现金转化率FICORHP
| Q4 25 | 1.10× | 2.21× | ||
| Q3 25 | 1.44× | 5.88× | ||
| Q2 25 | 1.57× | 1.71× | ||
| Q1 25 | 0.46× | 1.56× | ||
| Q4 24 | 1.27× | 2.30× | ||
| Q3 24 | 1.67× | 3.70× | ||
| Q2 24 | 1.69× | 1.83× | ||
| Q1 24 | 0.55× | 0.17× |
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% |
RHP
| Hotel Other | $157.7M | 21% |
| Gaylord Opryland | $147.4M | 20% |
| Hotel Transient Rooms | $93.6M | 13% |
| Hotel Food And Beverage Outlets | $92.2M | 12% |
| Gaylord Palms | $88.2M | 12% |
| Jw Marriott Hill Country | $53.7M | 7% |
| Entertainment Admissions And Ticketing | $43.1M | 6% |
| Entertainment Food And Beverage | $38.1M | 5% |
| Entertainment Retail And Other | $28.3M | 4% |
| Ac Hotel | $2.4M | 0% |
