vs
Fair Isaac（FICO）与医疗房产信托（SVC）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是医疗房产信托的1.7倍（$512.0M vs $296.5M），Fair Isaac净利率更高（30.9% vs -0.3%，领先31.2%），Fair Isaac同比增速更快（16.4% vs -17.0%），Fair Isaac自由现金流更多（$173.9M vs $-95.2M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -6.1%）
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。
医疗房产信托（MPT）是总部位于阿拉巴马州伯明翰的国际房地产投资信托（REIT），主要在美国和欧洲地区收购投资医疗设施与营利性医疗控股公司。该公司的房产收购多采用售后回租模式，原产权方出售房产给MPT后成为承租租户，其租户普遍签订长期三净租约。
FICO vs SVC — 直观对比
营收规模更大
FICO
是对方的1.7倍
$296.5M
营收增速更快
FICO
高出33.3%
-17.0%
净利率更高
FICO
高出31.2%
-0.3%
自由现金流更多
FICO
多$269.0M
$-95.2M
两年增速更快
FICO
近两年复合增速
-6.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $296.5M |
| 净利润 | $158.4M | $-782.0K |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | -3.9% |
| 净利率 | 30.9% | -0.3% |
| 营收同比 | 16.4% | -17.0% |
| 净利润同比 | 3.8% | 99.0% |
| 每股收益（稀释后） | $6.61 | $-0.01 |
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FICOSVC
| Q4 25 | $512.0M | $296.5M | ||
| Q3 25 | $515.8M | $377.6M | ||
| Q2 25 | $536.4M | $404.4M | ||
| Q1 25 | $498.7M | $335.0M | ||
| Q4 24 | $440.0M | $357.0M | ||
| Q3 24 | $453.8M | $390.9M | ||
| Q2 24 | $447.8M | $412.5M | ||
| Q1 24 | $433.8M | $336.2M |
净利润FICOSVC
| Q4 25 | $158.4M | $-782.0K | ||
| Q3 25 | $155.0M | $-46.9M | ||
| Q2 25 | $181.8M | $-38.2M | ||
| Q1 25 | $162.6M | $-116.4M | ||
| Q4 24 | $152.5M | $-76.4M | ||
| Q3 24 | $135.7M | $-46.9M | ||
| Q2 24 | $126.3M | $-73.8M | ||
| Q1 24 | $129.8M | $-78.4M |
毛利率FICOSVC
| 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FICOSVC
| Q4 25 | 45.7% | -3.9% | ||
| Q3 25 | 46.0% | -12.8% | ||
| Q2 25 | 48.9% | -9.2% | ||
| Q1 25 | 49.3% | -33.3% | ||
| Q4 24 | 40.8% | -19.4% | ||
| Q3 24 | 43.4% | -12.8% | ||
| Q2 24 | 42.5% | -17.1% | ||
| Q1 24 | 44.9% | -21.4% |
净利率FICOSVC
| Q4 25 | 30.9% | -0.3% | ||
| Q3 25 | 30.1% | -12.4% | ||
| Q2 25 | 33.9% | -9.4% | ||
| Q1 25 | 32.6% | -34.8% | ||
| Q4 24 | 34.7% | -21.4% | ||
| Q3 24 | 29.9% | -12.0% | ||
| Q2 24 | 28.2% | -17.9% | ||
| Q1 24 | 29.9% | -23.3% |
每股收益（稀释后）FICOSVC
| Q4 25 | $6.61 | $-0.01 | ||
| Q3 25 | $6.41 | $-0.28 | ||
| Q2 25 | $7.40 | $-0.23 | ||
| Q1 25 | $6.59 | $-0.70 | ||
| Q4 24 | $6.14 | $-0.46 | ||
| Q3 24 | $5.44 | $-0.28 | ||
| Q2 24 | $5.05 | $-0.45 | ||
| 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 | $346.8M |
| 总债务越低越好 | $3.2B | $5.5B |
| 股东权益账面价值 | $-1.8B | $646.1M |
| 总资产 | $1.9B | $6.5B |
| 负债/权益比越低杠杆越低 | — | 8.52× |
8季度趋势，按日历期对齐
现金及短期投资FICOSVC
| Q4 25 | $162.0M | $346.8M | ||
| Q3 25 | $134.1M | $417.4M | ||
| Q2 25 | $189.0M | $63.2M | ||
| Q1 25 | $146.6M | $80.1M | ||
| Q4 24 | $184.3M | $143.5M | ||
| Q3 24 | $150.7M | $48.6M | ||
| Q2 24 | $156.0M | $14.6M | ||
| Q1 24 | $135.7M | $71.3M |
总债务FICOSVC
| Q4 25 | $3.2B | $5.5B | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $5.8B | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOSVC
| Q4 25 | $-1.8B | $646.1M | ||
| Q3 25 | $-1.7B | $647.9M | ||
| Q2 25 | $-1.4B | $695.9M | ||
| Q1 25 | $-1.1B | $734.6M | ||
| Q4 24 | $-1.1B | $851.9M | ||
| Q3 24 | $-962.7M | $929.0M | ||
| Q2 24 | $-829.3M | $1.0B | ||
| Q1 24 | $-735.7M | $1.1B |
总资产FICOSVC
| Q4 25 | $1.9B | $6.5B | ||
| Q3 25 | $1.9B | $7.0B | ||
| Q2 25 | $1.9B | $6.9B | ||
| Q1 25 | $1.8B | $7.0B | ||
| Q4 24 | $1.7B | $7.1B | ||
| Q3 24 | $1.7B | $7.1B | ||
| Q2 24 | $1.7B | $7.1B | ||
| Q1 24 | $1.7B | $7.2B |
负债/权益比FICOSVC
| Q4 25 | — | 8.52× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 6.85× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $-18.5M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-95.2M |
| 自由现金流率自由现金流/营收 | 34.0% | -32.1% |
| 资本支出强度资本支出/营收 | 0.0% | 25.9% |
| 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 | $-107.0M |
8季度趋势，按日历期对齐
经营现金流FICOSVC
| Q4 25 | $174.1M | $-18.5M | ||
| Q3 25 | $223.7M | $98.1M | ||
| Q2 25 | $286.2M | $-7.0K | ||
| Q1 25 | $74.9M | $38.2M | ||
| Q4 24 | $194.0M | $-9.7M | ||
| Q3 24 | $226.5M | $106.2M | ||
| Q2 24 | $213.3M | $43.8M | ||
| Q1 24 | $71.0M | $-926.0K |
自由现金流FICOSVC
| Q4 25 | $173.9M | $-95.2M | ||
| Q3 25 | $219.5M | $57.9M | ||
| Q2 25 | $284.4M | $-46.6M | ||
| Q1 25 | $72.8M | $-23.2M | ||
| Q4 24 | $193.2M | $-88.9M | ||
| Q3 24 | $224.7M | $24.1M | ||
| Q2 24 | $211.6M | $-22.3M | ||
| Q1 24 | $67.0M | $-77.2M |
自由现金流率FICOSVC
| Q4 25 | 34.0% | -32.1% | ||
| Q3 25 | 42.6% | 15.3% | ||
| Q2 25 | 53.0% | -11.5% | ||
| Q1 25 | 14.6% | -6.9% | ||
| Q4 24 | 43.9% | -24.9% | ||
| Q3 24 | 49.5% | 6.2% | ||
| Q2 24 | 47.2% | -5.4% | ||
| Q1 24 | 15.4% | -23.0% |
资本支出强度FICOSVC
| Q4 25 | 0.0% | 25.9% | ||
| Q3 25 | 0.8% | 10.6% | ||
| Q2 25 | 0.3% | 11.5% | ||
| Q1 25 | 0.4% | 18.3% | ||
| Q4 24 | 0.2% | 22.2% | ||
| Q3 24 | 0.4% | 21.0% | ||
| Q2 24 | 0.4% | 16.0% | ||
| Q1 24 | 0.9% | 22.7% |
现金转化率FICOSVC
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | — | ||
| 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% |
SVC
暂无分部数据
