vs
Fair Isaac（FICO）与STEWART INFORMATION SERVICES CORP（STC）财务数据对比。点击上方公司名可切换其他公司
STEWART INFORMATION SERVICES CORP的季度营收约是Fair Isaac的1.5倍（$764.6M vs $512.0M），Fair Isaac净利率更高（30.9% vs 2.2%，领先28.7%），STEWART INFORMATION SERVICES CORP同比增速更快（27.7% vs 16.4%），过去两年STEWART INFORMATION SERVICES CORP的营收复合增速更高（12.7% 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。
斯图尔特信息服务公司（STC）是一家主营房地产信息、产权保险及交易管理服务的企业，旗下全资子公司斯图尔特产权担保公司、斯图尔特产权公司通过直营网点、斯图尔特可信供应商网络内的独立代理机构及合作企业，为美国及全球市场提供相关产品与服务，总部位于得克萨斯州休斯敦，现有员工约6350人。
FICO vs STC — 直观对比
营收规模更大
STC
是对方的1.5倍
$512.0M
营收增速更快
STC
高出11.3%
16.4%
净利率更高
FICO
高出28.7%
2.2%
两年增速更快
STC
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $764.6M |
| 净利润 | $158.4M | $17.0M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 2.2% |
| 营收同比 | 16.4% | 27.7% |
| 净利润同比 | 3.8% | 448.4% |
| 每股收益（稀释后） | $6.61 | — |
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FICOSTC
| Q1 26 | — | $764.6M | ||
| Q4 25 | $512.0M | $790.6M | ||
| Q3 25 | $515.8M | $796.9M | ||
| Q2 25 | $536.4M | $722.2M | ||
| Q1 25 | $498.7M | $612.0M | ||
| Q4 24 | $440.0M | $665.9M | ||
| Q3 24 | $453.8M | $667.9M | ||
| Q2 24 | $447.8M | $602.2M |
净利润FICOSTC
| Q1 26 | — | $17.0M | ||
| Q4 25 | $158.4M | $36.3M | ||
| Q3 25 | $155.0M | $44.3M | ||
| Q2 25 | $181.8M | $31.9M | ||
| Q1 25 | $162.6M | $3.1M | ||
| Q4 24 | $152.5M | $22.7M | ||
| Q3 24 | $135.7M | $30.1M | ||
| Q2 24 | $126.3M | $17.3M |
毛利率FICOSTC
| 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FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 6.5% | ||
| Q3 25 | 46.0% | 7.7% | ||
| Q2 25 | 48.9% | 6.5% | ||
| Q1 25 | 49.3% | 1.0% | ||
| Q4 24 | 40.8% | 5.3% | ||
| Q3 24 | 43.4% | 6.4% | ||
| Q2 24 | 42.5% | 4.8% |
净利率FICOSTC
| Q1 26 | — | 2.2% | ||
| Q4 25 | 30.9% | 4.6% | ||
| Q3 25 | 30.1% | 5.6% | ||
| Q2 25 | 33.9% | 4.4% | ||
| Q1 25 | 32.6% | 0.5% | ||
| Q4 24 | 34.7% | 3.4% | ||
| Q3 24 | 29.9% | 4.5% | ||
| Q2 24 | 28.2% | 2.9% |
每股收益（稀释后）FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | $6.61 | $1.26 | ||
| Q3 25 | $6.41 | $1.55 | ||
| Q2 25 | $7.40 | $1.13 | ||
| Q1 25 | $6.59 | $0.11 | ||
| Q4 24 | $6.14 | $0.81 | ||
| Q3 24 | $5.44 | $1.07 | ||
| Q2 24 | $5.05 | $0.62 |
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 | $317.5M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | — |
| 总资产 | $1.9B | — |
| 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FICOSTC
| Q1 26 | — | $317.5M | ||
| Q4 25 | $162.0M | $369.7M | ||
| Q3 25 | $134.1M | $233.2M | ||
| Q2 25 | $189.0M | $223.8M | ||
| Q1 25 | $146.6M | $194.2M | ||
| Q4 24 | $184.3M | $257.5M | ||
| Q3 24 | $150.7M | $228.7M | ||
| Q2 24 | $156.0M | $176.7M |
总债务FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $445.8M | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — |
股东权益FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | $-1.8B | $1.6B | ||
| Q3 25 | $-1.7B | $1.5B | ||
| Q2 25 | $-1.4B | $1.4B | ||
| Q1 25 | $-1.1B | $1.4B | ||
| Q4 24 | $-1.1B | $1.4B | ||
| Q3 24 | $-962.7M | $1.4B | ||
| Q2 24 | $-829.3M | $1.4B |
总资产FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | $3.3B | ||
| Q3 25 | $1.9B | $2.8B | ||
| Q2 25 | $1.9B | $2.8B | ||
| Q1 25 | $1.8B | $2.7B | ||
| Q4 24 | $1.7B | $2.7B | ||
| Q3 24 | $1.7B | $2.7B | ||
| Q2 24 | $1.7B | $2.6B |
负债/权益比FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.32× | ||
| 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 | — |
| 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FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $89.5M | ||
| Q3 25 | $223.7M | $92.6M | ||
| Q2 25 | $286.2M | $53.4M | ||
| Q1 25 | $74.9M | $-29.9M | ||
| Q4 24 | $194.0M | $68.0M | ||
| Q3 24 | $226.5M | $76.1M | ||
| Q2 24 | $213.3M | $21.1M |
自由现金流FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $62.3M | ||
| Q3 25 | $219.5M | $73.6M | ||
| Q2 25 | $284.4M | $38.7M | ||
| Q1 25 | $72.8M | $-42.2M | ||
| Q4 24 | $193.2M | $55.6M | ||
| Q3 24 | $224.7M | $67.4M | ||
| Q2 24 | $211.6M | $11.9M |
自由现金流率FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 7.9% | ||
| Q3 25 | 42.6% | 9.2% | ||
| Q2 25 | 53.0% | 5.4% | ||
| Q1 25 | 14.6% | -6.9% | ||
| Q4 24 | 43.9% | 8.4% | ||
| Q3 24 | 49.5% | 10.1% | ||
| Q2 24 | 47.2% | 2.0% |
资本支出强度FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 3.4% | ||
| Q3 25 | 0.8% | 2.4% | ||
| Q2 25 | 0.3% | 2.0% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.2% | 1.9% | ||
| Q3 24 | 0.4% | 1.3% | ||
| Q2 24 | 0.4% | 1.5% |
现金转化率FICOSTC
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 2.47× | ||
| Q3 25 | 1.44× | 2.09× | ||
| Q2 25 | 1.57× | 1.67× | ||
| Q1 25 | 0.46× | -9.73× | ||
| Q4 24 | 1.27× | 2.99× | ||
| Q3 24 | 1.67× | 2.53× | ||
| Q2 24 | 1.69× | 1.22× |
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% |
STC
| Agency title | $333.0M | 44% |
| Direct title | $270.2M | 35% |
| Real estate solutions | $161.4M | 21% |
