vs
Fair Isaac（FICO）与全食超市（SMPL）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是全食超市的1.5倍（$512.0M vs $340.2M），Fair Isaac净利率更高（30.9% vs 7.4%，领先23.5%），Fair Isaac同比增速更快（16.4% vs -0.3%），Fair Isaac自由现金流更多（$173.9M vs $48.0M），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。
全食超市是总部位于美国得克萨斯州奥斯汀的跨国连锁超市，现为亚马逊全资旗下品牌。门店主打无氢化脂肪、人工色素、人工香精、防腐剂的天然食品，是美国农业部认证的有机食品零售商，以丰富的有机商品选择深受消费者欢迎。
FICO vs SMPL — 直观对比
营收规模更大
FICO
是对方的1.5倍
$340.2M
营收增速更快
FICO
高出16.7%
-0.3%
净利率更高
FICO
高出23.5%
7.4%
自由现金流更多
FICO
多$125.9M
$48.0M
两年增速更快
FICO
近两年复合增速
3.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $340.2M |
| 净利润 | $158.4M | $25.3M |
| 毛利率 | 83.0% | 32.3% |
| 营业利润率 | 45.7% | 11.0% |
| 净利率 | 30.9% | 7.4% |
| 营收同比 | 16.4% | -0.3% |
| 净利润同比 | 3.8% | -33.7% |
| 每股收益（稀释后） | $6.61 | $0.26 |
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FICOSMPL
| Q4 25 | $512.0M | $340.2M | ||
| Q3 25 | $515.8M | — | ||
| Q2 25 | $536.4M | $381.0M | ||
| Q1 25 | $498.7M | — | ||
| Q4 24 | $440.0M | $341.3M | ||
| Q3 24 | $453.8M | $375.7M | ||
| Q2 24 | $447.8M | $334.8M | ||
| Q1 24 | $433.8M | $312.2M |
净利润FICOSMPL
| Q4 25 | $158.4M | $25.3M | ||
| Q3 25 | $155.0M | — | ||
| Q2 25 | $181.8M | $41.1M | ||
| Q1 25 | $162.6M | — | ||
| Q4 24 | $152.5M | $38.1M | ||
| Q3 24 | $135.7M | $29.3M | ||
| Q2 24 | $126.3M | $41.3M | ||
| Q1 24 | $129.8M | $33.1M |
毛利率FICOSMPL
| Q4 25 | 83.0% | 32.3% | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | 36.4% | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | 38.2% | ||
| Q3 24 | 80.3% | 38.8% | ||
| Q2 24 | 80.3% | 39.9% | ||
| Q1 24 | 80.0% | 37.4% |
营业利润率FICOSMPL
| Q4 25 | 45.7% | 11.0% | ||
| Q3 25 | 46.0% | — | ||
| Q2 25 | 48.9% | 15.6% | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.8% | 16.0% | ||
| Q3 24 | 43.4% | 12.7% | ||
| Q2 24 | 42.5% | 17.6% | ||
| Q1 24 | 44.9% | 15.4% |
净利率FICOSMPL
| Q4 25 | 30.9% | 7.4% | ||
| Q3 25 | 30.1% | — | ||
| Q2 25 | 33.9% | 10.8% | ||
| Q1 25 | 32.6% | — | ||
| Q4 24 | 34.7% | 11.2% | ||
| Q3 24 | 29.9% | 7.8% | ||
| Q2 24 | 28.2% | 12.3% | ||
| Q1 24 | 29.9% | 10.6% |
每股收益（稀释后）FICOSMPL
| Q4 25 | $6.61 | $0.26 | ||
| Q3 25 | $6.41 | — | ||
| Q2 25 | $7.40 | $0.40 | ||
| Q1 25 | $6.59 | — | ||
| Q4 24 | $6.14 | $0.38 | ||
| Q3 24 | $5.44 | $0.29 | ||
| Q2 24 | $5.05 | $0.41 | ||
| Q1 24 | $5.16 | $0.33 |
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 | $194.1M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $1.7B |
| 总资产 | $1.9B | $2.5B |
| 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FICOSMPL
| Q4 25 | $162.0M | $194.1M | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | $98.0M | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $121.8M | ||
| Q3 24 | $150.7M | $132.5M | ||
| Q2 24 | $156.0M | $208.7M | ||
| Q1 24 | $135.7M | $135.9M |
总债务FICOSMPL
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | $397.5M | ||
| Q2 24 | $2.1B | $237.7M | ||
| Q1 24 | $2.0B | $237.7M |
股东权益FICOSMPL
| Q4 25 | $-1.8B | $1.7B | ||
| Q3 25 | $-1.7B | — | ||
| Q2 25 | $-1.4B | $1.8B | ||
| Q1 25 | $-1.1B | — | ||
| Q4 24 | $-1.1B | $1.8B | ||
| Q3 24 | $-962.7M | $1.7B | ||
| Q2 24 | $-829.3M | $1.7B | ||
| Q1 24 | $-735.7M | $1.6B |
总资产FICOSMPL
| Q4 25 | $1.9B | $2.5B | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.9B | $2.4B | ||
| Q1 25 | $1.8B | — | ||
| Q4 24 | $1.7B | $2.4B | ||
| Q3 24 | $1.7B | $2.4B | ||
| Q2 24 | $1.7B | $2.2B | ||
| Q1 24 | $1.7B | $2.1B |
负债/权益比FICOSMPL
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.14× |
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 | $50.1M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $48.0M |
| 自由现金流率自由现金流/营收 | 34.0% | 14.1% |
| 资本支出强度资本支出/营收 | 0.0% | 0.6% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.98× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $223.6M |
8季度趋势，按日历期对齐
经营现金流FICOSMPL
| Q4 25 | $174.1M | $50.1M | ||
| Q3 25 | $223.7M | — | ||
| Q2 25 | $286.2M | $101.1M | ||
| Q1 25 | $74.9M | — | ||
| Q4 24 | $194.0M | $32.0M | ||
| Q3 24 | $226.5M | $48.9M | ||
| Q2 24 | $213.3M | $72.8M | ||
| Q1 24 | $71.0M | $46.5M |
自由现金流FICOSMPL
| Q4 25 | $173.9M | $48.0M | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | $98.9M | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | $31.7M | ||
| Q3 24 | $224.7M | $45.0M | ||
| Q2 24 | $211.6M | $72.0M | ||
| Q1 24 | $67.0M | $46.1M |
自由现金流率FICOSMPL
| Q4 25 | 34.0% | 14.1% | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | 25.9% | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | 9.3% | ||
| Q3 24 | 49.5% | 12.0% | ||
| Q2 24 | 47.2% | 21.5% | ||
| Q1 24 | 15.4% | 14.8% |
资本支出强度FICOSMPL
| Q4 25 | 0.0% | 0.6% | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | 0.6% | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.4% | 1.0% | ||
| Q2 24 | 0.4% | 0.2% | ||
| Q1 24 | 0.9% | 0.1% |
现金转化率FICOSMPL
| Q4 25 | 1.10× | 1.98× | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | 2.46× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 0.84× | ||
| Q3 24 | 1.67× | 1.67× | ||
| Q2 24 | 1.69× | 1.76× | ||
| Q1 24 | 0.55× | 1.40× |
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% |
SMPL
| Quest | $211.4M | 62% |
| Atkins Domain | $79.7M | 23% |
| OWYN | $28.1M | 8% |
| Other | $20.9M | 6% |
