vs
Fair Isaac（FICO）与Royalty Pharma plc（RPRX）财务数据对比。点击上方公司名可切换其他公司
Royalty Pharma plc的季度营收约是Fair Isaac的1.2倍（$622.0M vs $512.0M），Royalty Pharma plc净利率更高（34.4% vs 30.9%，领先3.5%），Fair Isaac同比增速更快（16.4% vs 4.8%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 4.6%）
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。
本公司是总部位于美国马萨诸塞州剑桥市的临床阶段生物制药企业，专注于研发可调节转化生长因子β（TGF-β）超家族蛋白的药物，该类蛋白在红细胞、肌肉、骨骼、血管等细胞与组织的生长修复过程中发挥核心作用。
FICO vs RPRX — 直观对比
营收规模更大
RPRX
是对方的1.2倍
$512.0M
营收增速更快
FICO
高出11.6%
4.8%
净利率更高
RPRX
高出3.5%
30.9%
两年增速更快
FICO
近两年复合增速
4.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $622.0M |
| 净利润 | $158.4M | $214.2M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 62.4% |
| 净利率 | 30.9% | 34.4% |
| 营收同比 | 16.4% | 4.8% |
| 净利润同比 | 3.8% | 2.9% |
| 每股收益（稀释后） | $6.61 | $0.49 |
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FICORPRX
| Q4 25 | $512.0M | $622.0M | ||
| Q3 25 | $515.8M | $609.3M | ||
| Q2 25 | $536.4M | $578.7M | ||
| Q1 25 | $498.7M | $568.2M | ||
| Q4 24 | $440.0M | $593.6M | ||
| Q3 24 | $453.8M | $564.7M | ||
| Q2 24 | $447.8M | $537.3M | ||
| Q1 24 | $433.8M | $568.0M |
净利润FICORPRX
| Q4 25 | $158.4M | $214.2M | ||
| Q3 25 | $155.0M | $288.2M | ||
| Q2 25 | $181.8M | $30.2M | ||
| Q1 25 | $162.6M | $238.3M | ||
| Q4 24 | $152.5M | $208.2M | ||
| Q3 24 | $135.7M | $544.0M | ||
| Q2 24 | $126.3M | $102.0M | ||
| Q1 24 | $129.8M | $4.8M |
毛利率FICORPRX
| 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FICORPRX
| Q4 25 | 45.7% | 62.4% | ||
| Q3 25 | 46.0% | 70.1% | ||
| Q2 25 | 48.9% | 36.3% | ||
| Q1 25 | 49.3% | 94.0% | ||
| Q4 24 | 40.8% | 60.9% | ||
| Q3 24 | 43.4% | — | ||
| Q2 24 | 42.5% | 50.2% | ||
| Q1 24 | 44.9% | -13.0% |
净利率FICORPRX
| Q4 25 | 30.9% | 34.4% | ||
| Q3 25 | 30.1% | 47.3% | ||
| Q2 25 | 33.9% | 5.2% | ||
| Q1 25 | 32.6% | 41.9% | ||
| Q4 24 | 34.7% | 35.1% | ||
| Q3 24 | 29.9% | 96.3% | ||
| Q2 24 | 28.2% | 19.0% | ||
| Q1 24 | 29.9% | 0.8% |
每股收益（稀释后）FICORPRX
| Q4 25 | $6.61 | $0.49 | ||
| Q3 25 | $6.41 | $0.67 | ||
| Q2 25 | $7.40 | $0.07 | ||
| Q1 25 | $6.59 | $0.55 | ||
| Q4 24 | $6.14 | $0.46 | ||
| Q3 24 | $5.44 | $1.21 | ||
| Q2 24 | $5.05 | $0.23 | ||
| Q1 24 | $5.16 | $0.01 |
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 | $618.7M |
| 总债务越低越好 | $3.2B | $9.0B |
| 股东权益账面价值 | $-1.8B | $9.7B |
| 总资产 | $1.9B | $19.6B |
| 负债/权益比越低杠杆越低 | — | 0.92× |
8季度趋势，按日历期对齐
现金及短期投资FICORPRX
| Q4 25 | $162.0M | $618.7M | ||
| Q3 25 | $134.1M | $938.9M | ||
| Q2 25 | $189.0M | $631.9M | ||
| Q1 25 | $146.6M | $1.1B | ||
| Q4 24 | $184.3M | $929.0M | ||
| Q3 24 | $150.7M | $950.1M | ||
| Q2 24 | $156.0M | $1.8B | ||
| Q1 24 | $135.7M | $843.0M |
总债务FICORPRX
| Q4 25 | $3.2B | $9.0B | ||
| Q3 25 | $3.1B | $8.9B | ||
| Q2 25 | $2.8B | $8.0B | ||
| Q1 25 | $2.5B | $7.6B | ||
| Q4 24 | $2.4B | $7.6B | ||
| Q3 24 | $2.2B | $7.6B | ||
| Q2 24 | $2.1B | $7.6B | ||
| Q1 24 | $2.0B | $6.1B |
股东权益FICORPRX
| Q4 25 | $-1.8B | $9.7B | ||
| Q3 25 | $-1.7B | $9.6B | ||
| Q2 25 | $-1.4B | $9.5B | ||
| Q1 25 | $-1.1B | $9.8B | ||
| Q4 24 | $-1.1B | $10.3B | ||
| Q3 24 | $-962.7M | $10.3B | ||
| Q2 24 | $-829.3M | $9.8B | ||
| Q1 24 | $-735.7M | $9.9B |
总资产FICORPRX
| Q4 25 | $1.9B | $19.6B | ||
| Q3 25 | $1.9B | $19.3B | ||
| Q2 25 | $1.9B | $18.3B | ||
| Q1 25 | $1.8B | $17.6B | ||
| Q4 24 | $1.7B | $18.2B | ||
| Q3 24 | $1.7B | $18.0B | ||
| Q2 24 | $1.7B | $17.7B | ||
| Q1 24 | $1.7B | $16.1B |
负债/权益比FICORPRX
| Q4 25 | — | 0.92× | ||
| Q3 25 | — | 0.93× | ||
| Q2 25 | — | 0.84× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 0.74× | ||
| Q2 24 | — | 0.78× | ||
| Q1 24 | — | 0.62× |
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 | $827.1M |
| 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× | 3.86× |
| 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FICORPRX
| Q4 25 | $174.1M | $827.1M | ||
| Q3 25 | $223.7M | $702.6M | ||
| Q2 25 | $286.2M | $364.0M | ||
| Q1 25 | $74.9M | $596.1M | ||
| Q4 24 | $194.0M | $742.5M | ||
| Q3 24 | $226.5M | $703.6M | ||
| Q2 24 | $213.3M | $658.2M | ||
| Q1 24 | $71.0M | $664.6M |
自由现金流FICORPRX
| 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FICORPRX
| 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FICORPRX
| 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FICORPRX
| Q4 25 | 1.10× | 3.86× | ||
| Q3 25 | 1.44× | 2.44× | ||
| Q2 25 | 1.57× | 12.06× | ||
| Q1 25 | 0.46× | 2.50× | ||
| Q4 24 | 1.27× | 3.57× | ||
| Q3 24 | 1.67× | 1.29× | ||
| Q2 24 | 1.69× | 6.45× | ||
| Q1 24 | 0.55× | 139.10× |
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% |
RPRX
| Financial Royalty Assets | $592.4M | 95% |
| Royalty Income Other | $29.6M | 5% |
