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Fair Isaac（FICO）与RENASANT CORP（RNST）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RENASANT CORP的1.9倍（$512.0M vs $273.8M），RENASANT CORP净利率更高（32.2% vs 30.9%，领先1.3%），过去两年RENASANT CORP的营收复合增速更高（29.3% 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。
瑞耐桑特银行是美国密西西比州图珀洛的区域商业金融机构，母公司为瑞耐桑特公司，在阿拉巴马、佛罗里达、佐治亚、密西西比、路易斯安那、田纳西、北卡罗来纳、南卡罗来纳八州拥有280多家分支机构，旗下还运营内容平台“瑞耐桑特国度”，发布博客及节目内容。
FICO vs RNST — 直观对比
营收规模更大
FICO
是对方的1.9倍
$273.8M
净利率更高
RNST
高出1.3%
30.9%
两年增速更快
RNST
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $273.8M |
| 净利润 | $158.4M | $88.2M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 32.2% |
| 营收同比 | 16.4% | — |
| 净利润同比 | 3.8% | 112.5% |
| 每股收益（稀释后） | $6.61 | $0.94 |
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FICORNST
| Q1 26 | — | $273.8M | ||
| Q4 25 | $512.0M | $278.4M | ||
| Q3 25 | $515.8M | $269.5M | ||
| Q2 25 | $536.4M | $267.2M | ||
| Q1 25 | $498.7M | $170.7M | ||
| Q4 24 | $440.0M | $167.1M | ||
| Q3 24 | $453.8M | $220.3M | ||
| Q2 24 | $447.8M | $163.8M |
净利润FICORNST
| Q1 26 | — | $88.2M | ||
| Q4 25 | $158.4M | $78.9M | ||
| Q3 25 | $155.0M | $59.8M | ||
| Q2 25 | $181.8M | $1.0M | ||
| Q1 25 | $162.6M | $41.5M | ||
| Q4 24 | $152.5M | $44.7M | ||
| Q3 24 | $135.7M | $72.5M | ||
| Q2 24 | $126.3M | $38.8M |
毛利率FICORNST
| 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FICORNST
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 34.8% | ||
| Q3 25 | 46.0% | 27.9% | ||
| Q2 25 | 48.9% | 1.0% | ||
| Q1 25 | 49.3% | 30.4% | ||
| Q4 24 | 40.8% | 29.8% | ||
| Q3 24 | 43.4% | 44.2% | ||
| Q2 24 | 42.5% | 29.6% |
净利率FICORNST
| Q1 26 | — | 32.2% | ||
| Q4 25 | 30.9% | 28.4% | ||
| Q3 25 | 30.1% | 22.2% | ||
| Q2 25 | 33.9% | 0.4% | ||
| Q1 25 | 32.6% | 24.3% | ||
| Q4 24 | 34.7% | 26.8% | ||
| Q3 24 | 29.9% | 32.9% | ||
| Q2 24 | 28.2% | 23.7% |
每股收益（稀释后）FICORNST
| Q1 26 | — | $0.94 | ||
| Q4 25 | $6.61 | $0.78 | ||
| Q3 25 | $6.41 | $0.63 | ||
| Q2 25 | $7.40 | $0.01 | ||
| Q1 25 | $6.59 | $0.65 | ||
| Q4 24 | $6.14 | $0.70 | ||
| Q3 24 | $5.44 | $1.18 | ||
| Q2 24 | $5.05 | $0.69 |
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 | $1.2B |
| 总债务越低越好 | $3.2B | $806.2M |
| 股东权益账面价值 | $-1.8B | $3.9B |
| 总资产 | $1.9B | $27.1B |
| 负债/权益比越低杠杆越低 | — | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资FICORNST
| Q1 26 | — | $1.2B | ||
| Q4 25 | $162.0M | $1.1B | ||
| Q3 25 | $134.1M | $1.1B | ||
| Q2 25 | $189.0M | $1.4B | ||
| Q1 25 | $146.6M | $1.1B | ||
| Q4 24 | $184.3M | $1.1B | ||
| Q3 24 | $150.7M | $1.3B | ||
| Q2 24 | $156.0M | $851.9M |
总债务FICORNST
| Q1 26 | — | $806.2M | ||
| Q4 25 | $3.2B | $499.8M | ||
| Q3 25 | $3.1B | $558.9M | ||
| Q2 25 | $2.8B | $557.0M | ||
| Q1 25 | $2.5B | $433.3M | ||
| Q4 24 | $2.4B | $430.6M | ||
| Q3 24 | $2.2B | $433.2M | ||
| Q2 24 | $2.1B | $428.7M |
股东权益FICORNST
| Q1 26 | — | $3.9B | ||
| Q4 25 | $-1.8B | $3.9B | ||
| Q3 25 | $-1.7B | $3.8B | ||
| Q2 25 | $-1.4B | $3.8B | ||
| Q1 25 | $-1.1B | $2.7B | ||
| Q4 24 | $-1.1B | $2.7B | ||
| Q3 24 | $-962.7M | $2.7B | ||
| Q2 24 | $-829.3M | $2.4B |
总资产FICORNST
| Q1 26 | — | $27.1B | ||
| Q4 25 | $1.9B | $26.8B | ||
| Q3 25 | $1.9B | $26.7B | ||
| Q2 25 | $1.9B | $26.6B | ||
| Q1 25 | $1.8B | $18.3B | ||
| Q4 24 | $1.7B | $18.0B | ||
| Q3 24 | $1.7B | $18.0B | ||
| Q2 24 | $1.7B | $17.5B |
负债/权益比FICORNST
| Q1 26 | — | 0.21× | ||
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.16× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.18× |
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FICORNST
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $271.5M | ||
| Q3 25 | $223.7M | $135.5M | ||
| Q2 25 | $286.2M | $-77.3M | ||
| Q1 25 | $74.9M | $106.2M | ||
| Q4 24 | $194.0M | $106.4M | ||
| Q3 24 | $226.5M | $-1.7M | ||
| Q2 24 | $213.3M | $-49.1M |
自由现金流FICORNST
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $237.8M | ||
| Q3 25 | $219.5M | $120.1M | ||
| Q2 25 | $284.4M | $-87.5M | ||
| Q1 25 | $72.8M | $101.3M | ||
| Q4 24 | $193.2M | $92.8M | ||
| Q3 24 | $224.7M | $-5.3M | ||
| Q2 24 | $211.6M | $-52.6M |
自由现金流率FICORNST
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 85.4% | ||
| Q3 25 | 42.6% | 44.6% | ||
| Q2 25 | 53.0% | -32.7% | ||
| Q1 25 | 14.6% | 59.4% | ||
| Q4 24 | 43.9% | 55.5% | ||
| Q3 24 | 49.5% | -2.4% | ||
| Q2 24 | 47.2% | -32.1% |
资本支出强度FICORNST
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 12.1% | ||
| Q3 25 | 0.8% | 5.7% | ||
| Q2 25 | 0.3% | 3.8% | ||
| Q1 25 | 0.4% | 2.8% | ||
| Q4 24 | 0.2% | 8.2% | ||
| Q3 24 | 0.4% | 1.6% | ||
| Q2 24 | 0.4% | 2.1% |
现金转化率FICORNST
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 3.44× | ||
| Q3 25 | 1.44× | 2.27× | ||
| Q2 25 | 1.57× | -75.92× | ||
| Q1 25 | 0.46× | 2.56× | ||
| Q4 24 | 1.27× | 2.38× | ||
| Q3 24 | 1.67× | -0.02× | ||
| Q2 24 | 1.69× | -1.26× |
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% |
RNST
| Net Interest Income | $223.6M | 82% |
| Noninterest Income | $50.3M | 18% |
