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Fair Isaac（FICO）与SSR MINING INC.（SSRM）财务数据对比。点击上方公司名可切换其他公司
SSR MINING INC.的季度营收约是Fair Isaac的1.0倍（$521.7M vs $512.0M），SSR MINING INC.净利率更高（34.8% vs 30.9%，领先3.8%），SSR MINING INC.同比增速更快（61.4% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $106.4M），过去两年SSR MINING INC.的营收复合增速更高（50.5% 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。
SSR Mining Inc.（前身为白银标准资源公司）总部位于美国科罗拉多州丹佛，主营金、银、铜、铅、锌矿产开采，拥有阿根廷最大的银矿，同时在美洲全境及土耳其开展矿产勘探业务。2020年与阿拉瑟黄金合并后迁至丹佛，现任总裁兼首席执行官为罗德尼·P·安塔尔。
FICO vs SSRM — 直观对比
营收规模更大
SSRM
是对方的1.0倍
$512.0M
营收增速更快
SSRM
高出45.1%
16.4%
净利率更高
SSRM
高出3.8%
30.9%
自由现金流更多
FICO
多$67.5M
$106.4M
两年增速更快
SSRM
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $521.7M |
| 净利润 | $158.4M | $181.5M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 38.8% |
| 净利率 | 30.9% | 34.8% |
| 营收同比 | 16.4% | 61.4% |
| 净利润同比 | 3.8% | 3166.6% |
| 每股收益（稀释后） | $6.61 | $0.84 |
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FICOSSRM
| Q4 25 | $512.0M | $521.7M | ||
| Q3 25 | $515.8M | $385.8M | ||
| Q2 25 | $536.4M | $405.5M | ||
| Q1 25 | $498.7M | $316.6M | ||
| Q4 24 | $440.0M | $323.2M | ||
| Q3 24 | $453.8M | $257.4M | ||
| Q2 24 | $447.8M | $184.8M | ||
| Q1 24 | $433.8M | $230.2M |
净利润FICOSSRM
| Q4 25 | $158.4M | $181.5M | ||
| Q3 25 | $155.0M | $65.4M | ||
| Q2 25 | $181.8M | $90.1M | ||
| Q1 25 | $162.6M | $58.8M | ||
| Q4 24 | $152.5M | $5.6M | ||
| Q3 24 | $135.7M | $10.6M | ||
| Q2 24 | $126.3M | $9.7M | ||
| Q1 24 | $129.8M | $-287.1M |
毛利率FICOSSRM
| 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% | — | ||
| Q1 24 | 80.0% | — |
营业利润率FICOSSRM
| Q4 25 | 45.7% | 38.8% | ||
| Q3 25 | 46.0% | 21.6% | ||
| Q2 25 | 48.9% | 26.9% | ||
| Q1 25 | 49.3% | 21.1% | ||
| Q4 24 | 40.8% | 10.6% | ||
| Q3 24 | 43.4% | 3.5% | ||
| Q2 24 | 42.5% | 5.8% | ||
| Q1 24 | 44.9% | -163.5% |
净利率FICOSSRM
| Q4 25 | 30.9% | 34.8% | ||
| Q3 25 | 30.1% | 17.0% | ||
| Q2 25 | 33.9% | 22.2% | ||
| Q1 25 | 32.6% | 18.6% | ||
| Q4 24 | 34.7% | 1.7% | ||
| Q3 24 | 29.9% | 4.1% | ||
| Q2 24 | 28.2% | 5.2% | ||
| Q1 24 | 29.9% | -124.7% |
每股收益（稀释后）FICOSSRM
| Q4 25 | $6.61 | $0.84 | ||
| Q3 25 | $6.41 | $0.31 | ||
| Q2 25 | $7.40 | $0.42 | ||
| Q1 25 | $6.59 | $0.28 | ||
| Q4 24 | $6.14 | $0.03 | ||
| Q3 24 | $5.44 | $0.05 | ||
| Q2 24 | $5.05 | $0.05 | ||
| Q1 24 | $5.16 | $-1.42 |
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 | $575.6M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $3.5B |
| 总资产 | $1.9B | $6.1B |
| 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FICOSSRM
| Q4 25 | $162.0M | $575.6M | ||
| Q3 25 | $134.1M | $445.4M | ||
| Q2 25 | $189.0M | $438.5M | ||
| Q1 25 | $146.6M | $341.3M | ||
| Q4 24 | $184.3M | $417.3M | ||
| Q3 24 | $150.7M | $365.8M | ||
| Q2 24 | $156.0M | $384.4M | ||
| Q1 24 | $135.7M | $492.0M |
总债务FICOSSRM
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $228.6M | ||
| Q3 24 | $2.2B | $228.3M | ||
| Q2 24 | $2.1B | $228.0M | ||
| Q1 24 | $2.0B | $228.7M |
股东权益FICOSSRM
| Q4 25 | $-1.8B | $3.5B | ||
| Q3 25 | $-1.7B | $3.3B | ||
| Q2 25 | $-1.4B | $3.3B | ||
| Q1 25 | $-1.1B | $3.2B | ||
| Q4 24 | $-1.1B | $3.1B | ||
| Q3 24 | $-962.7M | $3.1B | ||
| Q2 24 | $-829.3M | $3.1B | ||
| Q1 24 | $-735.7M | $3.1B |
总资产FICOSSRM
| Q4 25 | $1.9B | $6.1B | ||
| Q3 25 | $1.9B | $5.9B | ||
| Q2 25 | $1.9B | $5.8B | ||
| Q1 25 | $1.8B | $5.6B | ||
| Q4 24 | $1.7B | $5.2B | ||
| Q3 24 | $1.7B | $5.1B | ||
| Q2 24 | $1.7B | $5.2B | ||
| Q1 24 | $1.7B | $5.3B |
负债/权益比FICOSSRM
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 0.07× | ||
| Q1 24 | — | 0.07× |
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 | $172.1M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $106.4M |
| 自由现金流率自由现金流/营收 | 34.0% | 20.4% |
| 资本支出强度资本支出/营收 | 0.0% | 12.6% |
| 现金转化率经营现金流/净利润 | 1.10× | 0.95× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $241.6M |
8季度趋势，按日历期对齐
经营现金流FICOSSRM
| Q4 25 | $174.1M | $172.1M | ||
| Q3 25 | $223.7M | $57.2M | ||
| Q2 25 | $286.2M | $157.8M | ||
| Q1 25 | $74.9M | $84.8M | ||
| Q4 24 | $194.0M | $95.0M | ||
| Q3 24 | $226.5M | $-1.3M | ||
| Q2 24 | $213.3M | $-78.1M | ||
| Q1 24 | $71.0M | $24.6M |
自由现金流FICOSSRM
| Q4 25 | $173.9M | $106.4M | ||
| Q3 25 | $219.5M | $-2.4M | ||
| Q2 25 | $284.4M | $98.4M | ||
| Q1 25 | $72.8M | $39.3M | ||
| Q4 24 | $193.2M | $56.4M | ||
| Q3 24 | $224.7M | $-34.1M | ||
| Q2 24 | $211.6M | $-116.3M | ||
| Q1 24 | $67.0M | $-9.4M |
自由现金流率FICOSSRM
| Q4 25 | 34.0% | 20.4% | ||
| Q3 25 | 42.6% | -0.6% | ||
| Q2 25 | 53.0% | 24.3% | ||
| Q1 25 | 14.6% | 12.4% | ||
| Q4 24 | 43.9% | 17.5% | ||
| Q3 24 | 49.5% | -13.2% | ||
| Q2 24 | 47.2% | -62.9% | ||
| Q1 24 | 15.4% | -4.1% |
资本支出强度FICOSSRM
| Q4 25 | 0.0% | 12.6% | ||
| Q3 25 | 0.8% | 15.4% | ||
| Q2 25 | 0.3% | 14.7% | ||
| Q1 25 | 0.4% | 14.4% | ||
| Q4 24 | 0.2% | 11.9% | ||
| Q3 24 | 0.4% | 12.7% | ||
| Q2 24 | 0.4% | 20.7% | ||
| Q1 24 | 0.9% | 14.8% |
现金转化率FICOSSRM
| Q4 25 | 1.10× | 0.95× | ||
| Q3 25 | 1.44× | 0.87× | ||
| Q2 25 | 1.57× | 1.75× | ||
| Q1 25 | 0.46× | 1.44× | ||
| Q4 24 | 1.27× | 17.10× | ||
| Q3 24 | 1.67× | -0.13× | ||
| Q2 24 | 1.69× | -8.06× | ||
| 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% |
SSRM
| Gold | $369.3M | 71% |
| Concentrate Sales | $124.4M | 24% |
| Other | $19.1M | 4% |
| Lead | $9.0M | 2% |
