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Fair Isaac（FICO）与BOSTON BEER CO INC（SAM）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BOSTON BEER CO INC的1.1倍（$512.0M vs $461.6M），Fair Isaac同比增速更快（16.4% vs -4.1%），过去两年Fair Isaac的营收复合增速更高（8.6% vs -10.7%）
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。
波士顿啤酒公司是美国知名酿酒企业，1984年由吉姆·科赫与朗达·卡尔曼联合创立。旗下首款产品以美国开国元勋、独立运动先驱塞缪尔·亚当斯命名，后续陆续推出多个自有品牌，2019年正式完成与角鲨头酿酒厂的合并，是北美精酿啤酒行业的核心参与者之一。
FICO vs SAM — 直观对比
营收规模更大
FICO
是对方的1.1倍
$461.6M
营收增速更快
FICO
高出20.5%
-4.1%
两年增速更快
FICO
近两年复合增速
-10.7%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $461.6M |
| 净利润 | $158.4M | — |
| 毛利率 | 83.0% | 46.4% |
| 营业利润率 | 45.7% | 12.4% |
| 净利率 | 30.9% | — |
| 营收同比 | 16.4% | -4.1% |
| 净利润同比 | 3.8% | — |
| 每股收益（稀释后） | $6.61 | $2.16 |
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FICOSAM
| Q1 26 | — | $461.6M | ||
| Q4 25 | $512.0M | $385.7M | ||
| Q3 25 | $515.8M | $537.5M | ||
| Q2 25 | $536.4M | $587.9M | ||
| Q1 25 | $498.7M | $453.9M | ||
| Q4 24 | $440.0M | $402.3M | ||
| Q3 24 | $453.8M | $605.5M | ||
| Q2 24 | $447.8M | $579.1M |
净利润FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | $158.4M | $-22.5M | ||
| Q3 25 | $155.0M | $46.2M | ||
| Q2 25 | $181.8M | $60.4M | ||
| Q1 25 | $162.6M | $24.4M | ||
| Q4 24 | $152.5M | $-38.8M | ||
| Q3 24 | $135.7M | $33.5M | ||
| Q2 24 | $126.3M | $52.3M |
毛利率FICOSAM
| Q1 26 | — | 46.4% | ||
| Q4 25 | 83.0% | 43.5% | ||
| Q3 25 | 82.3% | 50.8% | ||
| Q2 25 | 83.7% | 49.8% | ||
| Q1 25 | 82.4% | 48.3% | ||
| Q4 24 | 80.1% | 39.9% | ||
| Q3 24 | 80.3% | 46.3% | ||
| Q2 24 | 80.3% | 46.0% |
营业利润率FICOSAM
| Q1 26 | — | 12.4% | ||
| Q4 25 | 45.7% | -8.6% | ||
| Q3 25 | 46.0% | 11.5% | ||
| Q2 25 | 48.9% | 14.0% | ||
| Q1 25 | 49.3% | 7.4% | ||
| Q4 24 | 40.8% | -13.9% | ||
| Q3 24 | 43.4% | 7.6% | ||
| Q2 24 | 42.5% | 12.2% |
净利率FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | 30.9% | -5.8% | ||
| Q3 25 | 30.1% | 8.6% | ||
| Q2 25 | 33.9% | 10.3% | ||
| Q1 25 | 32.6% | 5.4% | ||
| Q4 24 | 34.7% | -9.6% | ||
| Q3 24 | 29.9% | 5.5% | ||
| Q2 24 | 28.2% | 9.0% |
每股收益（稀释后）FICOSAM
| Q1 26 | — | $2.16 | ||
| Q4 25 | $6.61 | $-1.97 | ||
| Q3 25 | $6.41 | $4.25 | ||
| Q2 25 | $7.40 | $5.45 | ||
| Q1 25 | $6.59 | $2.16 | ||
| Q4 24 | $6.14 | $-3.23 | ||
| Q3 24 | $5.44 | $2.86 | ||
| Q2 24 | $5.05 | $4.39 |
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 | $164.1M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $682.6M |
| 总资产 | $1.9B | $1.2B |
| 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FICOSAM
| Q1 26 | — | $164.1M | ||
| Q4 25 | $162.0M | $223.4M | ||
| Q3 25 | $134.1M | $250.5M | ||
| Q2 25 | $189.0M | $212.4M | ||
| Q1 25 | $146.6M | $152.5M | ||
| Q4 24 | $184.3M | $211.8M | ||
| Q3 24 | $150.7M | $255.6M | ||
| Q2 24 | $156.0M | $219.3M |
总债务FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — |
股东权益FICOSAM
| Q1 26 | — | $682.6M | ||
| Q4 25 | $-1.8B | $846.3M | ||
| Q3 25 | $-1.7B | $911.0M | ||
| Q2 25 | $-1.4B | $912.3M | ||
| Q1 25 | $-1.1B | $897.0M | ||
| Q4 24 | $-1.1B | $916.2M | ||
| Q3 24 | $-962.7M | $1.0B | ||
| Q2 24 | $-829.3M | $1.0B |
总资产FICOSAM
| Q1 26 | — | $1.2B | ||
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.9B | $1.2B | ||
| Q2 25 | $1.9B | $1.3B | ||
| Q1 25 | $1.8B | $1.2B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.7B | $1.4B | ||
| Q2 24 | $1.7B | $1.4B |
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FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $39.9M | ||
| Q3 25 | $223.7M | $101.8M | ||
| Q2 25 | $286.2M | $126.5M | ||
| Q1 25 | $74.9M | $1.9M | ||
| Q4 24 | $194.0M | $41.9M | ||
| Q3 24 | $226.5M | $115.9M | ||
| Q2 24 | $213.3M | $96.0M |
自由现金流FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $22.1M | ||
| Q3 25 | $219.5M | $89.2M | ||
| Q2 25 | $284.4M | $112.2M | ||
| Q1 25 | $72.8M | $-8.0M | ||
| Q4 24 | $193.2M | $18.4M | ||
| Q3 24 | $224.7M | $99.2M | ||
| Q2 24 | $211.6M | $75.6M |
自由现金流率FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 5.7% | ||
| Q3 25 | 42.6% | 16.6% | ||
| Q2 25 | 53.0% | 19.1% | ||
| Q1 25 | 14.6% | -1.8% | ||
| Q4 24 | 43.9% | 4.6% | ||
| Q3 24 | 49.5% | 16.4% | ||
| Q2 24 | 47.2% | 13.1% |
资本支出强度FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 4.6% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 0.3% | 2.4% | ||
| Q1 25 | 0.4% | 2.2% | ||
| Q4 24 | 0.2% | 5.8% | ||
| Q3 24 | 0.4% | 2.8% | ||
| Q2 24 | 0.4% | 3.5% |
现金转化率FICOSAM
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 2.21× | ||
| Q2 25 | 1.57× | 2.09× | ||
| Q1 25 | 0.46× | 0.08× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 3.46× | ||
| Q2 24 | 1.69× | 1.83× |
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% |
SAM
暂无分部数据
