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Fair Isaac（FICO）与STARWOOD PROPERTY TRUST, INC.（STWD）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STARWOOD PROPERTY TRUST, INC.的1.0倍（$512.0M vs $492.9M），Fair Isaac净利率更高（30.9% vs 19.7%，领先11.3%），Fair Isaac同比增速更快（16.4% vs 8.5%），过去两年Fair Isaac的营收复合增速更高（8.6% vs -2.9%）
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。
喜达屋酒店及度假村国际集团是全球规模最大的酒店企业之一，业务涵盖酒店、度假村、水疗中心、住宅及度假产权物业的持有、运营、特许经营与管理。集团前身为1969年成立的房地产投资信托基金，1995年完成收购重组，旗下共11个品牌，管理及特许经营的物业共计1297处。
FICO vs STWD — 直观对比
营收规模更大
FICO
是对方的1.0倍
$492.9M
营收增速更快
FICO
高出7.9%
8.5%
净利率更高
FICO
高出11.3%
19.7%
两年增速更快
FICO
近两年复合增速
-2.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $492.9M |
| 净利润 | $158.4M | $96.9M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 26.6% |
| 净利率 | 30.9% | 19.7% |
| 营收同比 | 16.4% | 8.5% |
| 净利润同比 | 3.8% | 87.7% |
| 每股收益（稀释后） | $6.61 | $0.25 |
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FICOSTWD
| Q4 25 | $512.0M | $492.9M | ||
| Q3 25 | $515.8M | $488.9M | ||
| Q2 25 | $536.4M | $444.3M | ||
| Q1 25 | $498.7M | $418.2M | ||
| Q4 24 | $440.0M | $454.4M | ||
| Q3 24 | $453.8M | $479.5M | ||
| Q2 24 | $447.8M | $489.8M | ||
| Q1 24 | $433.8M | $523.1M |
净利润FICOSTWD
| Q4 25 | $158.4M | $96.9M | ||
| Q3 25 | $155.0M | $72.6M | ||
| Q2 25 | $181.8M | $129.8M | ||
| Q1 25 | $162.6M | $112.3M | ||
| Q4 24 | $152.5M | $51.6M | ||
| Q3 24 | $135.7M | $76.1M | ||
| Q2 24 | $126.3M | $77.9M | ||
| Q1 24 | $129.8M | $154.3M |
毛利率FICOSTWD
| 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FICOSTWD
| Q4 25 | 45.7% | 26.6% | ||
| Q3 25 | 46.0% | 19.1% | ||
| Q2 25 | 48.9% | 30.5% | ||
| Q1 25 | 49.3% | 28.7% | ||
| Q4 24 | 40.8% | 15.1% | ||
| Q3 24 | 43.4% | 17.2% | ||
| Q2 24 | 42.5% | 19.1% | ||
| Q1 24 | 44.9% | 30.8% |
净利率FICOSTWD
| Q4 25 | 30.9% | 19.7% | ||
| Q3 25 | 30.1% | 14.8% | ||
| Q2 25 | 33.9% | 29.2% | ||
| Q1 25 | 32.6% | 26.8% | ||
| Q4 24 | 34.7% | 11.4% | ||
| Q3 24 | 29.9% | 15.9% | ||
| Q2 24 | 28.2% | 15.9% | ||
| Q1 24 | 29.9% | 29.5% |
每股收益（稀释后）FICOSTWD
| Q4 25 | $6.61 | $0.25 | ||
| Q3 25 | $6.41 | $0.19 | ||
| Q2 25 | $7.40 | $0.38 | ||
| Q1 25 | $6.59 | $0.33 | ||
| Q4 24 | $6.14 | $0.15 | ||
| Q3 24 | $5.44 | $0.23 | ||
| Q2 24 | $5.05 | $0.24 | ||
| Q1 24 | $5.16 | $0.48 |
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 | $499.5M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $6.8B |
| 总资产 | $1.9B | $63.2B |
| 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FICOSTWD
| Q4 25 | $162.0M | $499.5M | ||
| Q3 25 | $134.1M | $301.1M | ||
| Q2 25 | $189.0M | $259.9M | ||
| Q1 25 | $146.6M | $440.6M | ||
| Q4 24 | $184.3M | $377.8M | ||
| Q3 24 | $150.7M | $357.9M | ||
| Q2 24 | $156.0M | $259.3M | ||
| Q1 24 | $135.7M | $327.4M |
总债务FICOSTWD
| 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 | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOSTWD
| Q4 25 | $-1.8B | $6.8B | ||
| Q3 25 | $-1.7B | $6.9B | ||
| Q2 25 | $-1.4B | $6.4B | ||
| Q1 25 | $-1.1B | $6.4B | ||
| Q4 24 | $-1.1B | $6.4B | ||
| Q3 24 | $-962.7M | $6.5B | ||
| Q2 24 | $-829.3M | $6.2B | ||
| Q1 24 | $-735.7M | $6.3B |
总资产FICOSTWD
| Q4 25 | $1.9B | $63.2B | ||
| Q3 25 | $1.9B | $62.4B | ||
| Q2 25 | $1.9B | $62.4B | ||
| Q1 25 | $1.8B | $62.2B | ||
| Q4 24 | $1.7B | $62.6B | ||
| Q3 24 | $1.7B | $64.2B | ||
| Q2 24 | $1.7B | $64.1B | ||
| Q1 24 | $1.7B | $66.2B |
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 | $488.8M |
| 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× | 5.04× |
| 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FICOSTWD
| Q4 25 | $174.1M | $488.8M | ||
| Q3 25 | $223.7M | $337.6M | ||
| Q2 25 | $286.2M | $-87.4M | ||
| Q1 25 | $74.9M | $238.9M | ||
| Q4 24 | $194.0M | $295.6M | ||
| Q3 24 | $226.5M | $241.8M | ||
| Q2 24 | $213.3M | $53.3M | ||
| Q1 24 | $71.0M | $55.9M |
自由现金流FICOSTWD
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | — | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | — |
自由现金流率FICOSTWD
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | — | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | — |
资本支出强度FICOSTWD
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | — |
现金转化率FICOSTWD
| Q4 25 | 1.10× | 5.04× | ||
| Q3 25 | 1.44× | 4.65× | ||
| Q2 25 | 1.57× | -0.67× | ||
| Q1 25 | 0.46× | 2.13× | ||
| Q4 24 | 1.27× | 5.72× | ||
| Q3 24 | 1.67× | 3.18× | ||
| Q2 24 | 1.69× | 0.68× | ||
| Q1 24 | 0.55× | 0.36× |
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% |
STWD
| Commercial And Residential Lending Segment | $335.2M | 68% |
| Infrastructure Lending Segment | $70.3M | 14% |
| Property Segment | $57.8M | 12% |
| Other | $29.7M | 6% |
