vs
Fair Isaac（FICO）与Rithm Capital Corp.（RITM）财务数据对比。点击上方公司名可切换其他公司
Rithm Capital Corp.的季度营收约是Fair Isaac的1.6倍（$828.2M vs $512.0M），Fair Isaac净利率更高（30.9% vs 13.2%，领先17.7%），Rithm Capital Corp.同比增速更快（508.5% vs 16.4%），过去两年Fair Isaac的营收复合增速更高（8.6% vs -17.9%）
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。
Rithm Capital Corp.是总部位于美国纽约的投资管理机构，核心业务聚焦房地产投资与另类资产投资，依托专业的投研团队和成熟的市场运营经验，为合作伙伴及投资者提供优质的资产配置解决方案与长期收益回报。
FICO vs RITM — 直观对比
营收规模更大
RITM
是对方的1.6倍
$512.0M
营收增速更快
RITM
高出492.1%
16.4%
净利率更高
FICO
高出17.7%
13.2%
两年增速更快
FICO
近两年复合增速
-17.9%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $828.2M |
| 净利润 | $158.4M | $109.5M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 29.9% |
| 净利率 | 30.9% | 13.2% |
| 营收同比 | 16.4% | 508.5% |
| 净利润同比 | 3.8% | 27.7% |
| 每股收益（稀释后） | $6.61 | $0.12 |
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FICORITM
| Q1 26 | — | $828.2M | ||
| Q4 25 | $512.0M | $1.5B | ||
| Q3 25 | $515.8M | $1.1B | ||
| Q2 25 | $536.4M | $1.2B | ||
| Q1 25 | $498.7M | $768.4M | ||
| Q4 24 | $440.0M | $2.1B | ||
| Q3 24 | $453.8M | $619.5M | ||
| Q2 24 | $447.8M | $1.2B |
净利润FICORITM
| Q1 26 | — | $109.5M | ||
| Q4 25 | $158.4M | $85.0M | ||
| Q3 25 | $155.0M | $221.5M | ||
| Q2 25 | $181.8M | $311.7M | ||
| Q1 25 | $162.6M | $78.8M | ||
| Q4 24 | $152.5M | $290.2M | ||
| Q3 24 | $135.7M | $121.7M | ||
| Q2 24 | $126.3M | $235.6M |
毛利率FICORITM
| 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% | — |
营业利润率FICORITM
| Q1 26 | — | 29.9% | ||
| Q4 25 | 45.7% | 13.8% | ||
| Q3 25 | 46.0% | 21.4% | ||
| Q2 25 | 48.9% | 25.2% | ||
| Q1 25 | 49.3% | 7.4% | ||
| Q4 24 | 40.8% | 23.8% | ||
| Q3 24 | 43.4% | 7.3% | ||
| Q2 24 | 42.5% | 23.6% |
净利率FICORITM
| Q1 26 | — | 13.2% | ||
| Q4 25 | 30.9% | 5.7% | ||
| Q3 25 | 30.1% | 20.0% | ||
| Q2 25 | 33.9% | 25.6% | ||
| Q1 25 | 32.6% | 10.3% | ||
| Q4 24 | 34.7% | 14.0% | ||
| Q3 24 | 29.9% | 19.7% | ||
| Q2 24 | 28.2% | 19.2% |
每股收益（稀释后）FICORITM
| Q1 26 | — | $0.12 | ||
| Q4 25 | $6.61 | $0.09 | ||
| Q3 25 | $6.41 | $0.35 | ||
| Q2 25 | $7.40 | $0.53 | ||
| Q1 25 | $6.59 | $0.07 | ||
| Q4 24 | $6.14 | $0.50 | ||
| Q3 24 | $5.44 | $0.20 | ||
| Q2 24 | $5.05 | $0.43 |
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 | — |
| 股东权益账面价值 | $-1.8B | $9.1B |
| 总资产 | $1.9B | $53.4B |
| 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FICORITM
| Q1 26 | — | — | ||
| Q4 25 | $162.0M | $1.8B | ||
| Q3 25 | $134.1M | $1.6B | ||
| Q2 25 | $189.0M | $1.6B | ||
| Q1 25 | $146.6M | $1.5B | ||
| Q4 24 | $184.3M | $1.5B | ||
| Q3 24 | $150.7M | $1.6B | ||
| Q2 24 | $156.0M | $1.2B |
总债务FICORITM
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | $35.4B | ||
| Q3 25 | $3.1B | $32.2B | ||
| Q2 25 | $2.8B | $31.2B | ||
| Q1 25 | $2.5B | $32.2B | ||
| Q4 24 | $2.4B | $32.6B | ||
| Q3 24 | $2.2B | $29.6B | ||
| Q2 24 | $2.1B | $30.1B |
股东权益FICORITM
| Q1 26 | — | $9.1B | ||
| Q4 25 | $-1.8B | $8.4B | ||
| Q3 25 | $-1.7B | $8.5B | ||
| Q2 25 | $-1.4B | $7.9B | ||
| Q1 25 | $-1.1B | $7.8B | ||
| Q4 24 | $-1.1B | $7.8B | ||
| Q3 24 | $-962.7M | $7.7B | ||
| Q2 24 | $-829.3M | $7.3B |
总资产FICORITM
| Q1 26 | — | $53.4B | ||
| Q4 25 | $1.9B | $53.1B | ||
| Q3 25 | $1.9B | $47.2B | ||
| Q2 25 | $1.9B | $44.3B | ||
| Q1 25 | $1.8B | $45.3B | ||
| Q4 24 | $1.7B | $46.0B | ||
| Q3 24 | $1.7B | $42.3B | ||
| Q2 24 | $1.7B | $42.0B |
负债/权益比FICORITM
| Q1 26 | — | — | ||
| Q4 25 | — | 4.20× | ||
| Q3 25 | — | 3.79× | ||
| Q2 25 | — | 3.92× | ||
| Q1 25 | — | 4.14× | ||
| Q4 24 | — | 4.18× | ||
| Q3 24 | — | 3.87× | ||
| Q2 24 | — | 4.10× |
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FICORITM
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $-114.6M | ||
| Q3 25 | $223.7M | $-2.0B | ||
| Q2 25 | $286.2M | $-557.1M | ||
| Q1 25 | $74.9M | $1.4B | ||
| Q4 24 | $194.0M | $-1.8B | ||
| Q3 24 | $226.5M | $768.1M | ||
| Q2 24 | $213.3M | $-55.7M |
自由现金流FICORITM
| 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FICORITM
| 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FICORITM
| 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FICORITM
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | -1.35× | ||
| Q3 25 | 1.44× | -9.22× | ||
| Q2 25 | 1.57× | -1.79× | ||
| Q1 25 | 0.46× | 18.03× | ||
| Q4 24 | 1.27× | -6.04× | ||
| Q3 24 | 1.67× | 6.31× | ||
| Q2 24 | 1.69× | -0.24× |
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% |
RITM
| Servicing revenue, net | $375.1M | 45% |
| Other | $234.9M | 28% |
| Gain on originated residential mortgage loans, held-for-sale, net | $195.0M | 24% |
| Other revenue | $23.3M | 3% |
