vs
Fair Isaac（FICO）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
SouthState Bank Corp的季度营收约是Fair Isaac的1.3倍（$661.7M vs $512.0M），SouthState Bank Corp净利率更高（34.1% vs 30.9%，领先3.2%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 8.6%）
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。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
FICO vs SSB — 直观对比
营收规模更大
SSB
是对方的1.3倍
$512.0M
净利率更高
SSB
高出3.2%
30.9%
两年增速更快
SSB
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $661.7M |
| 净利润 | $158.4M | $225.8M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 15.1% |
| 净利率 | 30.9% | 34.1% |
| 营收同比 | 16.4% | — |
| 净利润同比 | 3.8% | 153.5% |
| 每股收益（稀释后） | $6.61 | $2.28 |
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FICOSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $512.0M | $581.1M | ||
| Q3 25 | $515.8M | $599.7M | ||
| Q2 25 | $536.4M | $577.9M | ||
| Q1 25 | $498.7M | $544.5M | ||
| Q4 24 | $440.0M | $369.8M | ||
| Q3 24 | $453.8M | $351.5M | ||
| Q2 24 | $447.8M | $350.3M |
净利润FICOSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $158.4M | $247.7M | ||
| Q3 25 | $155.0M | $246.6M | ||
| Q2 25 | $181.8M | $215.2M | ||
| Q1 25 | $162.6M | $89.1M | ||
| Q4 24 | $152.5M | $144.2M | ||
| Q3 24 | $135.7M | $143.2M | ||
| Q2 24 | $126.3M | $132.4M |
毛利率FICOSSB
| 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FICOSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | 45.7% | 54.3% | ||
| Q3 25 | 46.0% | 53.6% | ||
| Q2 25 | 48.9% | 48.8% | ||
| Q1 25 | 49.3% | 22.3% | ||
| Q4 24 | 40.8% | 50.7% | ||
| Q3 24 | 43.4% | 53.1% | ||
| Q2 24 | 42.5% | 49.3% |
净利率FICOSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | 30.9% | 42.6% | ||
| Q3 25 | 30.1% | 41.1% | ||
| Q2 25 | 33.9% | 37.2% | ||
| Q1 25 | 32.6% | 16.4% | ||
| Q4 24 | 34.7% | 39.0% | ||
| Q3 24 | 29.9% | 40.7% | ||
| Q2 24 | 28.2% | 37.8% |
每股收益（稀释后）FICOSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | $6.61 | $2.47 | ||
| Q3 25 | $6.41 | $2.42 | ||
| Q2 25 | $7.40 | $2.11 | ||
| Q1 25 | $6.59 | $0.87 | ||
| Q4 24 | $6.14 | $1.88 | ||
| Q3 24 | $5.44 | $1.86 | ||
| Q2 24 | $5.05 | $1.73 |
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 | $2.9B |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $9.0B |
| 总资产 | $1.9B | $68.0B |
| 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FICOSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | — | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | — | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — |
总债务FICOSSB
| 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FICOSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $-1.8B | $9.1B | ||
| Q3 25 | $-1.7B | $9.0B | ||
| Q2 25 | $-1.4B | $8.8B | ||
| Q1 25 | $-1.1B | $8.6B | ||
| Q4 24 | $-1.1B | $5.9B | ||
| Q3 24 | $-962.7M | $5.9B | ||
| Q2 24 | $-829.3M | $5.7B |
总资产FICOSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $1.9B | $67.2B | ||
| Q3 25 | $1.9B | $66.0B | ||
| Q2 25 | $1.9B | $65.9B | ||
| Q1 25 | $1.8B | $65.1B | ||
| Q4 24 | $1.7B | $46.4B | ||
| Q3 24 | $1.7B | $46.1B | ||
| Q2 24 | $1.7B | $45.5B |
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FICOSSB
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $232.1M | ||
| Q3 25 | $223.7M | $122.4M | ||
| Q2 25 | $286.2M | $72.6M | ||
| Q1 25 | $74.9M | $-126.3M | ||
| Q4 24 | $194.0M | $354.3M | ||
| Q3 24 | $226.5M | $-246.8M | ||
| Q2 24 | $213.3M | $126.8M |
自由现金流FICOSSB
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $215.5M | ||
| Q3 25 | $219.5M | $101.7M | ||
| Q2 25 | $284.4M | $52.5M | ||
| Q1 25 | $72.8M | $-139.1M | ||
| Q4 24 | $193.2M | $340.9M | ||
| Q3 24 | $224.7M | $-254.2M | ||
| Q2 24 | $211.6M | $117.3M |
自由现金流率FICOSSB
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 37.1% | ||
| Q3 25 | 42.6% | 17.0% | ||
| Q2 25 | 53.0% | 9.1% | ||
| Q1 25 | 14.6% | -25.5% | ||
| Q4 24 | 43.9% | 92.2% | ||
| Q3 24 | 49.5% | -72.3% | ||
| Q2 24 | 47.2% | 33.5% |
资本支出强度FICOSSB
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 2.9% | ||
| Q3 25 | 0.8% | 3.5% | ||
| Q2 25 | 0.3% | 3.5% | ||
| Q1 25 | 0.4% | 2.4% | ||
| Q4 24 | 0.2% | 3.6% | ||
| Q3 24 | 0.4% | 2.1% | ||
| Q2 24 | 0.4% | 2.7% |
现金转化率FICOSSB
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 0.94× | ||
| Q3 25 | 1.44× | 0.50× | ||
| Q2 25 | 1.57× | 0.34× | ||
| Q1 25 | 0.46× | -1.42× | ||
| Q4 24 | 1.27× | 2.46× | ||
| Q3 24 | 1.67× | -1.72× | ||
| Q2 24 | 1.69× | 0.96× |
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% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
