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Fair Isaac（FICO）与RAYONIER ADVANCED MATERIALS INC.（RYAM）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RAYONIER ADVANCED MATERIALS INC.的1.2倍（$512.0M vs $417.5M），Fair Isaac净利率更高（30.9% vs -5.0%，领先36.0%），Fair Isaac同比增速更快（16.4% vs -1.2%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
FICO vs RYAM — 直观对比
营收规模更大
FICO
是对方的1.2倍
$417.5M
营收增速更快
FICO
高出17.5%
-1.2%
净利率更高
FICO
高出36.0%
-5.0%
两年增速更快
FICO
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $417.5M |
| 净利润 | $158.4M | $-21.1M |
| 毛利率 | 83.0% | 8.9% |
| 营业利润率 | 45.7% | 2.6% |
| 净利率 | 30.9% | -5.0% |
| 营收同比 | 16.4% | -1.2% |
| 净利润同比 | 3.8% | -31.9% |
| 每股收益（稀释后） | $6.61 | $-0.33 |
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FICORYAM
| Q4 25 | $512.0M | $417.5M | ||
| Q3 25 | $515.8M | $352.8M | ||
| Q2 25 | $536.4M | $340.0M | ||
| Q1 25 | $498.7M | $356.0M | ||
| Q4 24 | $440.0M | $422.5M | ||
| Q3 24 | $453.8M | $401.1M | ||
| Q2 24 | $447.8M | $419.0M | ||
| Q1 24 | $433.8M | $387.7M |
净利润FICORYAM
| Q4 25 | $158.4M | $-21.1M | ||
| Q3 25 | $155.0M | $-4.5M | ||
| Q2 25 | $181.8M | $-363.2M | ||
| Q1 25 | $162.6M | $-32.0M | ||
| Q4 24 | $152.5M | $-16.0M | ||
| Q3 24 | $135.7M | $-32.6M | ||
| Q2 24 | $126.3M | $11.4M | ||
| Q1 24 | $129.8M | $-1.6M |
毛利率FICORYAM
| Q4 25 | 83.0% | 8.9% | ||
| Q3 25 | 82.3% | 9.7% | ||
| Q2 25 | 83.7% | 7.0% | ||
| Q1 25 | 82.4% | 6.8% | ||
| Q4 24 | 80.1% | 8.7% | ||
| Q3 24 | 80.3% | 10.9% | ||
| Q2 24 | 80.3% | 11.5% | ||
| Q1 24 | 80.0% | 9.5% |
营业利润率FICORYAM
| Q4 25 | 45.7% | 2.6% | ||
| Q3 25 | 46.0% | 2.8% | ||
| Q2 25 | 48.9% | -0.4% | ||
| Q1 25 | 49.3% | -4.2% | ||
| Q4 24 | 40.8% | 2.6% | ||
| Q3 24 | 43.4% | -4.2% | ||
| Q2 24 | 42.5% | 6.7% | ||
| Q1 24 | 44.9% | 4.4% |
净利率FICORYAM
| Q4 25 | 30.9% | -5.0% | ||
| Q3 25 | 30.1% | -1.3% | ||
| Q2 25 | 33.9% | -106.8% | ||
| Q1 25 | 32.6% | -9.0% | ||
| Q4 24 | 34.7% | -3.8% | ||
| Q3 24 | 29.9% | -8.1% | ||
| Q2 24 | 28.2% | 2.7% | ||
| Q1 24 | 29.9% | -0.4% |
每股收益（稀释后）FICORYAM
| Q4 25 | $6.61 | $-0.33 | ||
| Q3 25 | $6.41 | $-0.07 | ||
| Q2 25 | $7.40 | $-5.44 | ||
| Q1 25 | $6.59 | $-0.49 | ||
| Q4 24 | $6.14 | $-0.25 | ||
| Q3 24 | $5.44 | $-0.49 | ||
| Q2 24 | $5.05 | $0.17 | ||
| Q1 24 | $5.16 | $-0.02 |
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 | $75.4M |
| 总债务越低越好 | $3.2B | $758.1M |
| 股东权益账面价值 | $-1.8B | $316.6M |
| 总资产 | $1.9B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资FICORYAM
| Q4 25 | $162.0M | $75.4M | ||
| Q3 25 | $134.1M | $77.0M | ||
| Q2 25 | $189.0M | $70.7M | ||
| Q1 25 | $146.6M | $129.9M | ||
| Q4 24 | $184.3M | $125.2M | ||
| Q3 24 | $150.7M | $136.1M | ||
| Q2 24 | $156.0M | $114.1M | ||
| Q1 24 | $135.7M | $54.6M |
总债务FICORYAM
| Q4 25 | $3.2B | $758.1M | ||
| Q3 25 | $3.1B | $763.5M | ||
| Q2 25 | $2.8B | $720.4M | ||
| Q1 25 | $2.5B | $707.0M | ||
| Q4 24 | $2.4B | $706.4M | ||
| Q3 24 | $2.2B | $747.7M | ||
| Q2 24 | $2.1B | $752.8M | ||
| Q1 24 | $2.0B | $755.6M |
股东权益FICORYAM
| Q4 25 | $-1.8B | $316.6M | ||
| Q3 25 | $-1.7B | $338.2M | ||
| Q2 25 | $-1.4B | $342.3M | ||
| Q1 25 | $-1.1B | $688.1M | ||
| Q4 24 | $-1.1B | $713.9M | ||
| Q3 24 | $-962.7M | $732.7M | ||
| Q2 24 | $-829.3M | $755.1M | ||
| Q1 24 | $-735.7M | $741.8M |
总资产FICORYAM
| Q4 25 | $1.9B | $1.8B | ||
| Q3 25 | $1.9B | $1.8B | ||
| Q2 25 | $1.9B | $1.8B | ||
| Q1 25 | $1.8B | $2.1B | ||
| Q4 24 | $1.7B | $2.1B | ||
| Q3 24 | $1.7B | $2.2B | ||
| Q2 24 | $1.7B | $2.2B | ||
| Q1 24 | $1.7B | $2.1B |
负债/权益比FICORYAM
| Q4 25 | — | 2.39× | ||
| Q3 25 | — | 2.26× | ||
| Q2 25 | — | 2.10× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | — | 1.00× | ||
| Q1 24 | — | 1.02× |
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 | $32.3M |
| 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FICORYAM
| Q4 25 | $174.1M | $32.3M | ||
| Q3 25 | $223.7M | $-17.8M | ||
| Q2 25 | $286.2M | $-30.2M | ||
| Q1 25 | $74.9M | $39.6M | ||
| Q4 24 | $194.0M | $54.9M | ||
| Q3 24 | $226.5M | $49.8M | ||
| Q2 24 | $213.3M | $87.6M | ||
| Q1 24 | $71.0M | $11.3M |
自由现金流FICORYAM
| 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FICORYAM
| 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FICORYAM
| 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FICORYAM
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 7.69× | ||
| Q1 24 | 0.55× | — |
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% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
