vs
Fair Isaac（FICO）与森萨塔科技（ST）财务数据对比。点击上方公司名可切换其他公司
森萨塔科技的季度营收约是Fair Isaac的1.8倍（$934.8M vs $512.0M），Fair Isaac净利率更高（30.9% vs 9.3%，领先21.6%），Fair Isaac同比增速更快（16.4% vs 2.6%），Fair Isaac自由现金流更多（$173.9M vs $104.6M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -5.0%）
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。
森萨塔科技控股有限公司是全球领先的工业科技企业，主营传感器、电气保护及控制解决方案的研发、生产与销售，产品覆盖汽车、工业、航空航天、暖通空调、电信等多个下游领域，服务全球制造类企业客户。
FICO vs ST — 直观对比
营收规模更大
ST
是对方的1.8倍
$512.0M
营收增速更快
FICO
高出13.8%
2.6%
净利率更高
FICO
高出21.6%
9.3%
自由现金流更多
FICO
多$69.3M
$104.6M
两年增速更快
FICO
近两年复合增速
-5.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $934.8M |
| 净利润 | $158.4M | $87.1M |
| 毛利率 | 83.0% | 30.6% |
| 营业利润率 | 45.7% | 15.1% |
| 净利率 | 30.9% | 9.3% |
| 营收同比 | 16.4% | 2.6% |
| 净利润同比 | 3.8% | 24.6% |
| 每股收益（稀释后） | $6.61 | $0.59 |
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FICOST
| Q1 26 | — | $934.8M | ||
| Q4 25 | $512.0M | $917.9M | ||
| Q3 25 | $515.8M | $932.0M | ||
| Q2 25 | $536.4M | $943.4M | ||
| Q1 25 | $498.7M | $911.3M | ||
| Q4 24 | $440.0M | $907.7M | ||
| Q3 24 | $453.8M | $982.8M | ||
| Q2 24 | $447.8M | $1.0B |
净利润FICOST
| Q1 26 | — | $87.1M | ||
| Q4 25 | $158.4M | $63.2M | ||
| Q3 25 | $155.0M | $-162.5M | ||
| Q2 25 | $181.8M | $60.7M | ||
| Q1 25 | $162.6M | $69.9M | ||
| Q4 24 | $152.5M | $5.8M | ||
| Q3 24 | $135.7M | $-25.0M | ||
| Q2 24 | $126.3M | $71.7M |
毛利率FICOST
| Q1 26 | — | 30.6% | ||
| Q4 25 | 83.0% | 29.0% | ||
| Q3 25 | 82.3% | 27.8% | ||
| Q2 25 | 83.7% | 30.3% | ||
| Q1 25 | 82.4% | 29.9% | ||
| Q4 24 | 80.1% | 27.1% | ||
| Q3 24 | 80.3% | 28.6% | ||
| Q2 24 | 80.3% | 30.0% |
营业利润率FICOST
| Q1 26 | — | 15.1% | ||
| Q4 25 | 45.7% | 10.9% | ||
| Q3 25 | 46.0% | -13.2% | ||
| Q2 25 | 48.9% | 14.6% | ||
| Q1 25 | 49.3% | 13.4% | ||
| Q4 24 | 40.8% | 8.1% | ||
| Q3 24 | 43.4% | -20.3% | ||
| Q2 24 | 42.5% | 12.5% |
净利率FICOST
| Q1 26 | — | 9.3% | ||
| Q4 25 | 30.9% | 6.9% | ||
| Q3 25 | 30.1% | -17.4% | ||
| Q2 25 | 33.9% | 6.4% | ||
| Q1 25 | 32.6% | 7.7% | ||
| Q4 24 | 34.7% | 0.6% | ||
| Q3 24 | 29.9% | -2.5% | ||
| Q2 24 | 28.2% | 6.9% |
每股收益（稀释后）FICOST
| Q1 26 | — | $0.59 | ||
| Q4 25 | $6.61 | $0.45 | ||
| Q3 25 | $6.41 | $-1.12 | ||
| Q2 25 | $7.40 | $0.41 | ||
| Q1 25 | $6.59 | $0.47 | ||
| Q4 24 | $6.14 | $0.05 | ||
| Q3 24 | $5.44 | $-0.17 | ||
| Q2 24 | $5.05 | $0.47 |
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 | $635.1M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $2.9B |
| 总资产 | $1.9B | $6.8B |
| 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FICOST
| Q1 26 | — | $635.1M | ||
| Q4 25 | $162.0M | $573.0M | ||
| Q3 25 | $134.1M | $791.3M | ||
| Q2 25 | $189.0M | $661.8M | ||
| Q1 25 | $146.6M | $588.1M | ||
| Q4 24 | $184.3M | $593.7M | ||
| Q3 24 | $150.7M | $506.2M | ||
| Q2 24 | $156.0M | $1.0B |
总债务FICOST
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | $2.8B | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $3.2B | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — |
股东权益FICOST
| Q1 26 | — | $2.9B | ||
| Q4 25 | $-1.8B | $2.8B | ||
| Q3 25 | $-1.7B | $2.7B | ||
| Q2 25 | $-1.4B | $2.9B | ||
| Q1 25 | $-1.1B | $2.8B | ||
| Q4 24 | $-1.1B | $2.9B | ||
| Q3 24 | $-962.7M | $3.0B | ||
| Q2 24 | $-829.3M | $3.0B |
总资产FICOST
| Q1 26 | — | $6.8B | ||
| Q4 25 | $1.9B | $6.8B | ||
| Q3 25 | $1.9B | $7.1B | ||
| Q2 25 | $1.9B | $7.3B | ||
| Q1 25 | $1.8B | $7.2B | ||
| Q4 24 | $1.7B | $7.1B | ||
| Q3 24 | $1.7B | $7.3B | ||
| Q2 24 | $1.7B | $8.2B |
负债/权益比FICOST
| Q1 26 | — | — | ||
| Q4 25 | — | 1.02× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.11× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $122.5M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $104.6M |
| 自由现金流率自由现金流/营收 | 34.0% | 11.2% |
| 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× | 1.41× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $508.3M |
8季度趋势，按日历期对齐
经营现金流FICOST
| Q1 26 | — | $122.5M | ||
| Q4 25 | $174.1M | $201.5M | ||
| Q3 25 | $223.7M | $159.9M | ||
| Q2 25 | $286.2M | $140.9M | ||
| Q1 25 | $74.9M | $119.2M | ||
| Q4 24 | $194.0M | $170.7M | ||
| Q3 24 | $226.5M | $130.9M | ||
| Q2 24 | $213.3M | $143.5M |
自由现金流FICOST
| Q1 26 | — | $104.6M | ||
| Q4 25 | $173.9M | $151.9M | ||
| Q3 25 | $219.5M | $136.2M | ||
| Q2 25 | $284.4M | $115.5M | ||
| Q1 25 | $72.8M | $86.6M | ||
| Q4 24 | $193.2M | $138.9M | ||
| Q3 24 | $224.7M | $91.3M | ||
| Q2 24 | $211.6M | $98.4M |
自由现金流率FICOST
| Q1 26 | — | 11.2% | ||
| Q4 25 | 34.0% | 16.6% | ||
| Q3 25 | 42.6% | 14.6% | ||
| Q2 25 | 53.0% | 12.2% | ||
| Q1 25 | 14.6% | 9.5% | ||
| Q4 24 | 43.9% | 15.3% | ||
| Q3 24 | 49.5% | 9.3% | ||
| Q2 24 | 47.2% | 9.5% |
资本支出强度FICOST
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 5.4% | ||
| Q3 25 | 0.8% | 2.5% | ||
| Q2 25 | 0.3% | 2.7% | ||
| Q1 25 | 0.4% | 3.6% | ||
| Q4 24 | 0.2% | 3.5% | ||
| Q3 24 | 0.4% | 4.0% | ||
| Q2 24 | 0.4% | 4.4% |
现金转化率FICOST
| Q1 26 | — | 1.41× | ||
| Q4 25 | 1.10× | 3.19× | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | 2.32× | ||
| Q1 25 | 0.46× | 1.70× | ||
| Q4 24 | 1.27× | 29.50× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 2.00× |
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% |
ST
暂无分部数据
