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Fair Isaac（FICO）与SHOE CARNIVAL INC（SCVL）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SHOE CARNIVAL INC的1.7倍（$512.0M vs $297.2M），Fair Isaac净利率更高（30.9% vs 4.9%，领先26.0%），Fair Isaac同比增速更快（16.4% vs -3.2%），Fair Isaac自由现金流更多（$173.9M vs $19.7M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 3.0%）
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。
Shoe Carnival Inc是一家美国家庭鞋类零售商，目前在美国中西部、南部、东南部地区以及波多黎各共开设了429家门店。该公司由大卫·拉塞尔于1978年创立，截至2025年，其总部位于南卡罗来纳州福特米尔。
FICO vs SCVL — 直观对比
营收规模更大
FICO
是对方的1.7倍
$297.2M
营收增速更快
FICO
高出19.5%
-3.2%
净利率更高
FICO
高出26.0%
4.9%
自由现金流更多
FICO
多$154.1M
$19.7M
两年增速更快
FICO
近两年复合增速
3.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $297.2M |
| 净利润 | $158.4M | $14.6M |
| 毛利率 | 83.0% | 37.6% |
| 营业利润率 | 45.7% | 6.3% |
| 净利率 | 30.9% | 4.9% |
| 营收同比 | 16.4% | -3.2% |
| 净利润同比 | 3.8% | -23.9% |
| 每股收益（稀释后） | $6.61 | $0.53 |
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FICOSCVL
| Q4 25 | $512.0M | $297.2M | ||
| Q3 25 | $515.8M | $306.4M | ||
| Q2 25 | $536.4M | $277.7M | ||
| Q1 25 | $498.7M | $262.9M | ||
| Q4 24 | $440.0M | $306.9M | ||
| Q3 24 | $453.8M | $332.7M | ||
| Q2 24 | $447.8M | $300.4M | ||
| Q1 24 | $433.8M | $280.2M |
净利润FICOSCVL
| Q4 25 | $158.4M | $14.6M | ||
| Q3 25 | $155.0M | $19.2M | ||
| Q2 25 | $181.8M | $9.3M | ||
| Q1 25 | $162.6M | $14.7M | ||
| Q4 24 | $152.5M | $19.2M | ||
| Q3 24 | $135.7M | $22.6M | ||
| Q2 24 | $126.3M | $17.3M | ||
| Q1 24 | $129.8M | $15.5M |
毛利率FICOSCVL
| Q4 25 | 83.0% | 37.6% | ||
| Q3 25 | 82.3% | 38.8% | ||
| Q2 25 | 83.7% | 34.5% | ||
| Q1 25 | 82.4% | 34.9% | ||
| Q4 24 | 80.1% | 36.0% | ||
| Q3 24 | 80.3% | 36.1% | ||
| Q2 24 | 80.3% | 35.6% | ||
| Q1 24 | 80.0% | 35.6% |
营业利润率FICOSCVL
| Q4 25 | 45.7% | 6.3% | ||
| Q3 25 | 46.0% | 8.2% | ||
| Q2 25 | 48.9% | 4.3% | ||
| Q1 25 | 49.3% | 5.3% | ||
| Q4 24 | 40.8% | 8.0% | ||
| Q3 24 | 43.4% | 9.0% | ||
| Q2 24 | 42.5% | 7.5% | ||
| Q1 24 | 44.9% | 7.1% |
净利率FICOSCVL
| Q4 25 | 30.9% | 4.9% | ||
| Q3 25 | 30.1% | 6.3% | ||
| Q2 25 | 33.9% | 3.4% | ||
| Q1 25 | 32.6% | 5.6% | ||
| Q4 24 | 34.7% | 6.3% | ||
| Q3 24 | 29.9% | 6.8% | ||
| Q2 24 | 28.2% | 5.8% | ||
| Q1 24 | 29.9% | 5.5% |
每股收益（稀释后）FICOSCVL
| Q4 25 | $6.61 | $0.53 | ||
| Q3 25 | $6.41 | $0.70 | ||
| Q2 25 | $7.40 | $0.34 | ||
| Q1 25 | $6.59 | $0.53 | ||
| Q4 24 | $6.14 | $0.70 | ||
| Q3 24 | $5.44 | $0.82 | ||
| Q2 24 | $5.05 | $0.63 | ||
| Q1 24 | $5.16 | $0.57 |
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 | $107.7M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $683.2M |
| 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FICOSCVL
| Q4 25 | $162.0M | $107.7M | ||
| Q3 25 | $134.1M | $91.9M | ||
| Q2 25 | $189.0M | $93.0M | ||
| Q1 25 | $146.6M | $123.1M | ||
| Q4 24 | $184.3M | $91.1M | ||
| Q3 24 | $150.7M | $84.5M | ||
| Q2 24 | $156.0M | $69.5M | ||
| Q1 24 | $135.7M | $111.2M |
总债务FICOSCVL
| 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 | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOSCVL
| Q4 25 | $-1.8B | $683.2M | ||
| Q3 25 | $-1.7B | $670.7M | ||
| Q2 25 | $-1.4B | $653.6M | ||
| Q1 25 | $-1.1B | $649.0M | ||
| Q4 24 | $-1.1B | $635.7M | ||
| Q3 24 | $-962.7M | $618.5M | ||
| Q2 24 | $-829.3M | $597.8M | ||
| Q1 24 | $-735.7M | $583.4M |
总资产FICOSCVL
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.9B | $1.2B | ||
| Q2 25 | $1.9B | $1.1B | ||
| Q1 25 | $1.8B | $1.1B | ||
| Q4 24 | $1.7B | $1.1B | ||
| Q3 24 | $1.7B | $1.1B | ||
| Q2 24 | $1.7B | $1.1B | ||
| Q1 24 | $1.7B | $1.0B |
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 | $33.6M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $19.7M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.6% |
| 资本支出强度资本支出/营收 | 0.0% | 4.7% |
| 现金转化率经营现金流/净利润 | 1.10× | 2.30× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $35.1M |
8季度趋势，按日历期对齐
经营现金流FICOSCVL
| Q4 25 | $174.1M | $33.6M | ||
| Q3 25 | $223.7M | $13.3M | ||
| Q2 25 | $286.2M | $-9.6M | ||
| Q1 25 | $74.9M | $44.5M | ||
| Q4 24 | $194.0M | $17.3M | ||
| Q3 24 | $226.5M | $23.7M | ||
| Q2 24 | $213.3M | $17.1M | ||
| Q1 24 | $71.0M | $53.4M |
自由现金流FICOSCVL
| Q4 25 | $173.9M | $19.7M | ||
| Q3 25 | $219.5M | $2.2M | ||
| Q2 25 | $284.4M | $-23.0M | ||
| Q1 25 | $72.8M | $36.2M | ||
| Q4 24 | $193.2M | $8.3M | ||
| Q3 24 | $224.7M | $18.2M | ||
| Q2 24 | $211.6M | $6.9M | ||
| Q1 24 | $67.0M | $40.7M |
自由现金流率FICOSCVL
| Q4 25 | 34.0% | 6.6% | ||
| Q3 25 | 42.6% | 0.7% | ||
| Q2 25 | 53.0% | -8.3% | ||
| Q1 25 | 14.6% | 13.8% | ||
| Q4 24 | 43.9% | 2.7% | ||
| Q3 24 | 49.5% | 5.5% | ||
| Q2 24 | 47.2% | 2.3% | ||
| Q1 24 | 15.4% | 14.5% |
资本支出强度FICOSCVL
| Q4 25 | 0.0% | 4.7% | ||
| Q3 25 | 0.8% | 3.6% | ||
| Q2 25 | 0.3% | 4.8% | ||
| Q1 25 | 0.4% | 3.2% | ||
| Q4 24 | 0.2% | 3.0% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.4% | 3.4% | ||
| Q1 24 | 0.9% | 4.5% |
现金转化率FICOSCVL
| Q4 25 | 1.10× | 2.30× | ||
| Q3 25 | 1.44× | 0.69× | ||
| Q2 25 | 1.57× | -1.03× | ||
| Q1 25 | 0.46× | 3.04× | ||
| Q4 24 | 1.27× | 0.90× | ||
| Q3 24 | 1.67× | 1.05× | ||
| Q2 24 | 1.69× | 0.99× | ||
| Q1 24 | 0.55× | 3.44× |
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% |
SCVL
暂无分部数据
