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Fair Isaac（FICO）与Stitch Fix, Inc.（SFIX）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Stitch Fix, Inc.的1.5倍（$512.0M vs $342.1M），Fair Isaac净利率更高（30.9% vs -1.9%，领先32.8%），Fair Isaac同比增速更快（16.4% vs 7.3%），Fair Isaac自由现金流更多（$173.9M vs $5.6M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
FICO vs SFIX — 直观对比
营收规模更大
FICO
是对方的1.5倍
$342.1M
营收增速更快
FICO
高出9.1%
7.3%
净利率更高
FICO
高出32.8%
-1.9%
自由现金流更多
FICO
多$168.3M
$5.6M
两年增速更快
FICO
近两年复合增速
1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $342.1M |
| 净利润 | $158.4M | $-6.4M |
| 毛利率 | 83.0% | 43.6% |
| 营业利润率 | 45.7% | -2.5% |
| 净利率 | 30.9% | -1.9% |
| 营收同比 | 16.4% | 7.3% |
| 净利润同比 | 3.8% | -1.7% |
| 每股收益（稀释后） | $6.61 | $-0.05 |
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FICOSFIX
| Q4 25 | $512.0M | $342.1M | ||
| Q3 25 | $515.8M | $311.2M | ||
| Q2 25 | $536.4M | $325.0M | ||
| Q1 25 | $498.7M | $312.1M | ||
| Q4 24 | $440.0M | $318.8M | ||
| Q3 24 | $453.8M | $319.6M | ||
| Q2 24 | $447.8M | $322.7M | ||
| Q1 24 | $433.8M | $330.4M |
净利润FICOSFIX
| Q4 25 | $158.4M | $-6.4M | ||
| Q3 25 | $155.0M | $-8.6M | ||
| Q2 25 | $181.8M | $-7.4M | ||
| Q1 25 | $162.6M | $-6.5M | ||
| Q4 24 | $152.5M | $-6.3M | ||
| Q3 24 | $135.7M | $-36.5M | ||
| Q2 24 | $126.3M | $-21.3M | ||
| Q1 24 | $129.8M | $-35.5M |
毛利率FICOSFIX
| Q4 25 | 83.0% | 43.6% | ||
| Q3 25 | 82.3% | 43.6% | ||
| Q2 25 | 83.7% | 44.2% | ||
| Q1 25 | 82.4% | 44.5% | ||
| Q4 24 | 80.1% | 45.4% | ||
| Q3 24 | 80.3% | 44.6% | ||
| Q2 24 | 80.3% | 45.5% | ||
| Q1 24 | 80.0% | 43.4% |
营业利润率FICOSFIX
| Q4 25 | 45.7% | -2.5% | ||
| Q3 25 | 46.0% | -3.6% | ||
| Q2 25 | 48.9% | -3.0% | ||
| Q1 25 | 49.3% | -2.9% | ||
| Q4 24 | 40.8% | -2.8% | ||
| Q3 24 | 43.4% | -13.1% | ||
| Q2 24 | 42.5% | -7.7% | ||
| Q1 24 | 44.9% | -11.5% |
净利率FICOSFIX
| Q4 25 | 30.9% | -1.9% | ||
| Q3 25 | 30.1% | -2.8% | ||
| Q2 25 | 33.9% | -2.3% | ||
| Q1 25 | 32.6% | -2.1% | ||
| Q4 24 | 34.7% | -2.0% | ||
| Q3 24 | 29.9% | -11.4% | ||
| Q2 24 | 28.2% | -6.6% | ||
| Q1 24 | 29.9% | -10.8% |
每股收益（稀释后）FICOSFIX
| Q4 25 | $6.61 | $-0.05 | ||
| Q3 25 | $6.41 | $-0.06 | ||
| Q2 25 | $7.40 | $-0.06 | ||
| Q1 25 | $6.59 | $-0.05 | ||
| Q4 24 | $6.14 | $-0.05 | ||
| Q3 24 | $5.44 | $-0.29 | ||
| Q2 24 | $5.05 | $-0.18 | ||
| Q1 24 | $5.16 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $204.1M |
| 总资产 | $1.9B | $530.7M |
| 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FICOSFIX
| Q4 25 | $162.0M | $244.2M | ||
| Q3 25 | $134.1M | $234.9M | ||
| Q2 25 | $189.0M | $234.2M | ||
| Q1 25 | $146.6M | $219.1M | ||
| Q4 24 | $184.3M | $253.3M | ||
| Q3 24 | $150.7M | $247.0M | ||
| Q2 24 | $156.0M | $244.5M | ||
| Q1 24 | $135.7M | $229.8M |
总债务FICOSFIX
| 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FICOSFIX
| Q4 25 | $-1.8B | $204.1M | ||
| Q3 25 | $-1.7B | $203.0M | ||
| Q2 25 | $-1.4B | $200.4M | ||
| Q1 25 | $-1.1B | $197.8M | ||
| Q4 24 | $-1.1B | $190.5M | ||
| Q3 24 | $-962.7M | $187.0M | ||
| Q2 24 | $-829.3M | $208.9M | ||
| Q1 24 | $-735.7M | $213.3M |
总资产FICOSFIX
| Q4 25 | $1.9B | $530.7M | ||
| Q3 25 | $1.9B | $480.6M | ||
| Q2 25 | $1.9B | $484.7M | ||
| Q1 25 | $1.8B | $472.6M | ||
| Q4 24 | $1.7B | $507.1M | ||
| Q3 24 | $1.7B | $486.9M | ||
| Q2 24 | $1.7B | $537.0M | ||
| Q1 24 | $1.7B | $538.3M |
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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $5.6M |
| 自由现金流率自由现金流/营收 | 34.0% | 1.6% |
| 资本支出强度资本支出/营收 | 0.0% | 1.6% |
| 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 | $4.9M |
8季度趋势，按日历期对齐
经营现金流FICOSFIX
| Q4 25 | $174.1M | $10.9M | ||
| Q3 25 | $223.7M | $7.0M | ||
| Q2 25 | $286.2M | $20.5M | ||
| Q1 25 | $74.9M | $-16.2M | ||
| Q4 24 | $194.0M | $14.3M | ||
| Q3 24 | $226.5M | $8.2M | ||
| Q2 24 | $213.3M | $21.7M | ||
| Q1 24 | $71.0M | $-22.3M |
自由现金流FICOSFIX
| Q4 25 | $173.9M | $5.6M | ||
| Q3 25 | $219.5M | $2.8M | ||
| Q2 25 | $284.4M | $16.0M | ||
| Q1 25 | $72.8M | $-19.4M | ||
| Q4 24 | $193.2M | $9.9M | ||
| Q3 24 | $224.7M | $4.5M | ||
| Q2 24 | $211.6M | $18.9M | ||
| Q1 24 | $67.0M | $-26.1M |
自由现金流率FICOSFIX
| Q4 25 | 34.0% | 1.6% | ||
| Q3 25 | 42.6% | 0.9% | ||
| Q2 25 | 53.0% | 4.9% | ||
| Q1 25 | 14.6% | -6.2% | ||
| Q4 24 | 43.9% | 3.1% | ||
| Q3 24 | 49.5% | 1.4% | ||
| Q2 24 | 47.2% | 5.9% | ||
| Q1 24 | 15.4% | -7.9% |
资本支出强度FICOSFIX
| Q4 25 | 0.0% | 1.6% | ||
| Q3 25 | 0.8% | 1.4% | ||
| Q2 25 | 0.3% | 1.4% | ||
| Q1 25 | 0.4% | 1.0% | ||
| Q4 24 | 0.2% | 1.4% | ||
| Q3 24 | 0.4% | 1.2% | ||
| Q2 24 | 0.4% | 0.9% | ||
| Q1 24 | 0.9% | 1.1% |
现金转化率FICOSFIX
| 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× | — | ||
| 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% |
SFIX
暂无分部数据
