vs
Fair Isaac（FICO）与SKYWEST INC（SKYW）财务数据对比。点击上方公司名可切换其他公司
SKYWEST INC的季度营收约是Fair Isaac的2.0倍（$1.0B vs $512.0M），Fair Isaac净利率更高（30.9% vs 10.0%，领先20.9%），Fair Isaac同比增速更快（16.4% vs 6.8%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 8.1%）
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。
天西航空（SkyWest Inc.）是总部位于美国犹他州圣乔治的控股企业，旗下主营北美支线航空公司天西航空，同时运营飞机租赁业务，是北美区域航空运营领域的重要参与者。
FICO vs SKYW — 直观对比
营收规模更大
SKYW
是对方的2.0倍
$512.0M
营收增速更快
FICO
高出9.5%
6.8%
净利率更高
FICO
高出20.9%
10.0%
两年增速更快
FICO
近两年复合增速
8.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $1.0B |
| 净利润 | $158.4M | $101.7M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 12.2% |
| 净利率 | 30.9% | 10.0% |
| 营收同比 | 16.4% | 6.8% |
| 净利润同比 | 3.8% | 1.1% |
| 每股收益（稀释后） | $6.61 | $2.50 |
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FICOSKYW
| Q1 26 | — | $1.0B | ||
| Q4 25 | $512.0M | $1.0B | ||
| Q3 25 | $515.8M | $1.1B | ||
| Q2 25 | $536.4M | $1.0B | ||
| Q1 25 | $498.7M | $948.5M | ||
| Q4 24 | $440.0M | $944.4M | ||
| Q3 24 | $453.8M | $912.8M | ||
| Q2 24 | $447.8M | $867.1M |
净利润FICOSKYW
| Q1 26 | — | $101.7M | ||
| Q4 25 | $158.4M | $91.2M | ||
| Q3 25 | $155.0M | $116.4M | ||
| Q2 25 | $181.8M | $120.3M | ||
| Q1 25 | $162.6M | $100.6M | ||
| Q4 24 | $152.5M | $97.4M | ||
| Q3 24 | $135.7M | $89.7M | ||
| Q2 24 | $126.3M | $75.6M |
毛利率FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | — | ||
| Q2 24 | 80.3% | — |
营业利润率FICOSKYW
| Q1 26 | — | 12.2% | ||
| Q4 25 | 45.7% | 13.1% | ||
| Q3 25 | 46.0% | 16.6% | ||
| Q2 25 | 48.9% | 16.4% | ||
| Q1 25 | 49.3% | 14.7% | ||
| Q4 24 | 40.8% | 15.3% | ||
| Q3 24 | 43.4% | 14.4% | ||
| Q2 24 | 42.5% | 13.8% |
净利率FICOSKYW
| Q1 26 | — | 10.0% | ||
| Q4 25 | 30.9% | 8.9% | ||
| Q3 25 | 30.1% | 11.1% | ||
| Q2 25 | 33.9% | 11.6% | ||
| Q1 25 | 32.6% | 10.6% | ||
| Q4 24 | 34.7% | 10.3% | ||
| Q3 24 | 29.9% | 9.8% | ||
| Q2 24 | 28.2% | 8.7% |
每股收益（稀释后）FICOSKYW
| Q1 26 | — | $2.50 | ||
| Q4 25 | $6.61 | $2.21 | ||
| Q3 25 | $6.41 | $2.81 | ||
| Q2 25 | $7.40 | $2.91 | ||
| Q1 25 | $6.59 | $2.42 | ||
| Q4 24 | $6.14 | $2.34 | ||
| Q3 24 | $5.44 | $2.16 | ||
| Q2 24 | $5.05 | $1.82 |
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 | — |
| 总债务越低越好 | $3.2B | $1.8B |
| 股东权益账面价值 | $-1.8B | $2.7B |
| 总资产 | $1.9B | $7.3B |
| 负债/权益比越低杠杆越低 | — | 0.66× |
8季度趋势，按日历期对齐
现金及短期投资FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | $162.0M | $122.7M | ||
| Q3 25 | $134.1M | $44.5M | ||
| Q2 25 | $189.0M | $48.3M | ||
| Q1 25 | $146.6M | $179.0M | ||
| Q4 24 | $184.3M | $227.4M | ||
| Q3 24 | $150.7M | $177.6M | ||
| Q2 24 | $156.0M | $141.8M |
总债务FICOSKYW
| Q1 26 | — | $1.8B | ||
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | $2.4B | ||
| Q2 25 | $2.8B | $2.5B | ||
| Q1 25 | $2.5B | $2.6B | ||
| Q4 24 | $2.4B | $2.7B | ||
| Q3 24 | $2.2B | $2.7B | ||
| Q2 24 | $2.1B | $2.8B |
股东权益FICOSKYW
| Q1 26 | — | $2.7B | ||
| Q4 25 | $-1.8B | $2.7B | ||
| Q3 25 | $-1.7B | $2.7B | ||
| Q2 25 | $-1.4B | $2.6B | ||
| Q1 25 | $-1.1B | $2.5B | ||
| Q4 24 | $-1.1B | $2.4B | ||
| Q3 24 | $-962.7M | $2.3B | ||
| Q2 24 | $-829.3M | $2.2B |
总资产FICOSKYW
| Q1 26 | — | $7.3B | ||
| Q4 25 | $1.9B | $7.4B | ||
| Q3 25 | $1.9B | $7.2B | ||
| Q2 25 | $1.9B | $7.2B | ||
| Q1 25 | $1.8B | $7.1B | ||
| Q4 24 | $1.7B | $7.1B | ||
| Q3 24 | $1.7B | $7.0B | ||
| Q2 24 | $1.7B | $7.0B |
负债/权益比FICOSKYW
| Q1 26 | — | 0.66× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.89× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 1.11× | ||
| Q3 24 | — | 1.17× | ||
| Q2 24 | — | 1.25× |
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FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $231.5M | ||
| Q3 25 | $223.7M | $280.8M | ||
| Q2 25 | $286.2M | $257.1M | ||
| Q1 25 | $74.9M | $171.0M | ||
| Q4 24 | $194.0M | $185.9M | ||
| Q3 24 | $226.5M | $183.6M | ||
| Q2 24 | $213.3M | $165.3M |
自由现金流FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $224.3M | ||
| Q3 25 | $219.5M | $269.9M | ||
| Q2 25 | $284.4M | $251.5M | ||
| Q1 25 | $72.8M | $162.6M | ||
| Q4 24 | $193.2M | $162.7M | ||
| Q3 24 | $224.7M | $172.1M | ||
| Q2 24 | $211.6M | $159.4M |
自由现金流率FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 21.9% | ||
| Q3 25 | 42.6% | 25.7% | ||
| Q2 25 | 53.0% | 24.3% | ||
| Q1 25 | 14.6% | 17.1% | ||
| Q4 24 | 43.9% | 17.2% | ||
| Q3 24 | 49.5% | 18.9% | ||
| Q2 24 | 47.2% | 18.4% |
资本支出强度FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 0.7% | ||
| Q3 25 | 0.8% | 1.0% | ||
| Q2 25 | 0.3% | 0.5% | ||
| Q1 25 | 0.4% | 0.9% | ||
| Q4 24 | 0.2% | 2.5% | ||
| Q3 24 | 0.4% | 1.3% | ||
| Q2 24 | 0.4% | 0.7% |
现金转化率FICOSKYW
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 2.54× | ||
| Q3 25 | 1.44× | 2.41× | ||
| Q2 25 | 1.57× | 2.14× | ||
| Q1 25 | 0.46× | 1.70× | ||
| Q4 24 | 1.27× | 1.91× | ||
| Q3 24 | 1.67× | 2.05× | ||
| Q2 24 | 1.69× | 2.19× |
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% |
SKYW
| Flying agreements | $977.9M | 97% |
| Lease, airport services and other | $35.3M | 3% |
