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Fair Isaac（FICO）与RAYONIER INC（RYN）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 INC的1.8倍（$512.0M vs $276.8M），Fair Isaac净利率更高（30.9% vs -4.5%，领先35.4%），RAYONIER INC同比增速更快（233.9% vs 16.4%），过去两年RAYONIER INC的营收复合增速更高（66.7% 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。
Rayonier Inc.是总部位于佛罗里达州怀尔德莱特的林地房地产投资信托（REIT），资产分布在美国和新西兰的软木种植区域，核心业务板块为木材业务与房地产业务。
FICO vs RYN — 直观对比
营收规模更大
FICO
是对方的1.8倍
$276.8M
营收增速更快
RYN
高出217.5%
16.4%
净利率更高
FICO
高出35.4%
-4.5%
两年增速更快
RYN
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $276.8M |
| 净利润 | $158.4M | $-12.4M |
| 毛利率 | 83.0% | 100.0% |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | -4.5% |
| 营收同比 | 16.4% | 233.9% |
| 净利润同比 | 3.8% | -264.7% |
| 每股收益（稀释后） | $6.61 | — |
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FICORYN
| Q1 26 | — | $276.8M | ||
| Q4 25 | $512.0M | $117.5M | ||
| Q3 25 | $515.8M | $177.5M | ||
| Q2 25 | $536.4M | $106.5M | ||
| Q1 25 | $498.7M | $82.9M | ||
| Q4 24 | $440.0M | $650.5M | ||
| Q3 24 | $453.8M | $124.1M | ||
| Q2 24 | $447.8M | $99.6M |
净利润FICORYN
| Q1 26 | — | $-12.4M | ||
| Q4 25 | $158.4M | $25.9M | ||
| Q3 25 | $155.0M | $43.2M | ||
| Q2 25 | $181.8M | $408.7M | ||
| Q1 25 | $162.6M | $-3.4M | ||
| Q4 24 | $152.5M | $327.1M | ||
| Q3 24 | $135.7M | $28.8M | ||
| Q2 24 | $126.3M | $1.9M |
毛利率FICORYN
| Q1 26 | — | 100.0% | ||
| Q4 25 | 83.0% | 41.9% | ||
| Q3 25 | 82.3% | 32.9% | ||
| Q2 25 | 83.7% | 29.7% | ||
| Q1 25 | 82.4% | 21.7% | ||
| Q4 24 | 80.1% | 53.8% | ||
| Q3 24 | 80.3% | 30.4% | ||
| Q2 24 | 80.3% | 25.4% |
营业利润率FICORYN
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 23.0% | ||
| Q3 25 | 46.0% | 23.5% | ||
| Q2 25 | 48.9% | 13.7% | ||
| Q1 25 | 49.3% | 0.1% | ||
| Q4 24 | 40.8% | 47.7% | ||
| Q3 24 | 43.4% | 15.2% | ||
| Q2 24 | 42.5% | 4.6% |
净利率FICORYN
| Q1 26 | — | -4.5% | ||
| Q4 25 | 30.9% | 22.1% | ||
| Q3 25 | 30.1% | 24.3% | ||
| Q2 25 | 33.9% | 383.6% | ||
| Q1 25 | 32.6% | -4.1% | ||
| Q4 24 | 34.7% | 45.1% | ||
| Q3 24 | 29.9% | 23.2% | ||
| Q2 24 | 28.2% | 1.9% |
每股收益（稀释后）FICORYN
| Q1 26 | — | — | ||
| Q4 25 | $6.61 | $0.14 | ||
| Q3 25 | $6.41 | $0.28 | ||
| Q2 25 | $7.40 | $2.63 | ||
| Q1 25 | $6.59 | $-0.02 | ||
| Q4 24 | $6.14 | $2.18 | ||
| Q3 24 | $5.44 | $0.19 | ||
| Q2 24 | $5.05 | $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 | $681.7M |
| 总债务越低越好 | $3.2B | $2.1B |
| 股东权益账面价值 | $-1.8B | $5.3B |
| 总资产 | $1.9B | $7.7B |
| 负债/权益比越低杠杆越低 | — | 0.39× |
8季度趋势，按日历期对齐
现金及短期投资FICORYN
| Q1 26 | — | $681.7M | ||
| Q4 25 | $162.0M | $842.9M | ||
| Q3 25 | $134.1M | $919.6M | ||
| Q2 25 | $189.0M | $892.3M | ||
| Q1 25 | $146.6M | $216.2M | ||
| Q4 24 | $184.3M | $303.1M | ||
| Q3 24 | $150.7M | $51.9M | ||
| Q2 24 | $156.0M | $120.2M |
总债务FICORYN
| Q1 26 | — | $2.1B | ||
| Q4 25 | $3.2B | $845.3M | ||
| Q3 25 | $3.1B | $845.1M | ||
| Q2 25 | $2.8B | $844.9M | ||
| Q1 25 | $2.5B | $1.0B | ||
| Q4 24 | $2.4B | $1.0B | ||
| Q3 24 | $2.2B | $1.3B | ||
| Q2 24 | $2.1B | $1.4B |
股东权益FICORYN
| Q1 26 | — | $5.3B | ||
| Q4 25 | $-1.8B | $2.2B | ||
| Q3 25 | $-1.7B | $2.3B | ||
| Q2 25 | $-1.4B | $2.3B | ||
| Q1 25 | $-1.1B | $1.9B | ||
| Q4 24 | $-1.1B | $1.8B | ||
| Q3 24 | $-962.7M | $1.8B | ||
| Q2 24 | $-829.3M | $1.8B |
总资产FICORYN
| Q1 26 | — | $7.7B | ||
| Q4 25 | $1.9B | $3.4B | ||
| Q3 25 | $1.9B | $3.5B | ||
| Q2 25 | $1.9B | $3.5B | ||
| Q1 25 | $1.8B | $3.4B | ||
| Q4 24 | $1.7B | $3.5B | ||
| Q3 24 | $1.7B | $3.5B | ||
| Q2 24 | $1.7B | $3.5B |
负债/权益比FICORYN
| Q1 26 | — | 0.39× | ||
| Q4 25 | — | 0.38× | ||
| Q3 25 | — | 0.37× | ||
| Q2 25 | — | 0.37× | ||
| Q1 25 | — | 0.55× | ||
| Q4 24 | — | 0.59× | ||
| Q3 24 | — | 0.72× | ||
| Q2 24 | — | 0.75× |
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% | 7.4% |
| 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FICORYN
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $256.7M | ||
| Q3 25 | $223.7M | $116.2M | ||
| Q2 25 | $286.2M | $61.0M | ||
| Q1 25 | $74.9M | $27.7M | ||
| Q4 24 | $194.0M | $261.6M | ||
| Q3 24 | $226.5M | $66.2M | ||
| Q2 24 | $213.3M | $55.3M |
自由现金流FICORYN
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | $99.9M | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | $42.2M | ||
| Q2 24 | $211.6M | — |
自由现金流率FICORYN
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | 56.3% | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | 34.0% | ||
| Q2 24 | 47.2% | — |
资本支出强度FICORYN
| Q1 26 | — | 7.4% | ||
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | 9.2% | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | 19.3% | ||
| Q2 24 | 0.4% | — |
现金转化率FICORYN
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 9.91× | ||
| Q3 25 | 1.44× | 2.69× | ||
| Q2 25 | 1.57× | 0.15× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 0.80× | ||
| Q3 24 | 1.67× | 2.30× | ||
| Q2 24 | 1.69× | 29.07× |
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% |
RYN
| Wood Products | $108.5M | 39% |
| Southern Timber | $88.7M | 32% |
| Real Estate | $59.8M | 22% |
| Northwest Timber | $32.1M | 12% |
