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Fair Isaac（FICO）与联合果品公司（UFCS）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是联合果品公司的1.4倍（$512.0M vs $365.8M），Fair Isaac同比增速更快（16.4% vs 9.8%），过去两年联合果品公司的营收复合增速更高（11.2% 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。
联合果品公司是一家美国跨国企业，主营在拉丁美洲种植园种植的热带水果贸易，产品销往美国与欧洲。公司1899年由波士顿果品公司与迈纳·C·基思的香蕉贸易企业合并成立，在20世纪上半叶发展蓬勃，掌控了中美洲、哥伦比亚加勒比海岸及西印度群岛的大片领地与运输网络。
FICO vs UFCS — 直观对比
营收规模更大
FICO
是对方的1.4倍
$365.8M
营收增速更快
FICO
高出6.6%
9.8%
两年增速更快
UFCS
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $365.8M |
| 净利润 | $158.4M | — |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 13.2% |
| 净利率 | 30.9% | — |
| 营收同比 | 16.4% | 9.8% |
| 净利润同比 | 3.8% | — |
| 每股收益（稀释后） | $6.61 | $1.45 |
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FICOUFCS
| Q4 25 | $512.0M | $365.8M | ||
| Q3 25 | $515.8M | $354.0M | ||
| Q2 25 | $536.4M | $335.5M | ||
| Q1 25 | $498.7M | $331.1M | ||
| Q4 24 | $440.0M | $333.2M | ||
| Q3 24 | $453.8M | $323.0M | ||
| Q2 24 | $447.8M | $301.2M | ||
| Q1 24 | $433.8M | $296.0M |
净利润FICOUFCS
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | $39.2M | ||
| Q2 25 | $181.8M | $22.9M | ||
| Q1 25 | $162.6M | $17.7M | ||
| Q4 24 | $152.5M | — | ||
| Q3 24 | $135.7M | $19.7M | ||
| Q2 24 | $126.3M | $-2.7M | ||
| Q1 24 | $129.8M | $13.5M |
毛利率FICOUFCS
| 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FICOUFCS
| Q4 25 | 45.7% | 13.2% | ||
| Q3 25 | 46.0% | 13.7% | ||
| Q2 25 | 48.9% | 8.7% | ||
| Q1 25 | 49.3% | 6.6% | ||
| Q4 24 | 40.8% | 11.9% | ||
| Q3 24 | 43.4% | 7.7% | ||
| Q2 24 | 42.5% | -1.3% | ||
| Q1 24 | 44.9% | 5.5% |
净利率FICOUFCS
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | 11.1% | ||
| Q2 25 | 33.9% | 6.8% | ||
| Q1 25 | 32.6% | 5.3% | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 29.9% | 6.1% | ||
| Q2 24 | 28.2% | -0.9% | ||
| Q1 24 | 29.9% | 4.6% |
每股收益（稀释后）FICOUFCS
| Q4 25 | $6.61 | $1.45 | ||
| Q3 25 | $6.41 | $1.49 | ||
| Q2 25 | $7.40 | $0.87 | ||
| Q1 25 | $6.59 | $0.67 | ||
| Q4 24 | $6.14 | $1.22 | ||
| Q3 24 | $5.44 | $0.76 | ||
| Q2 24 | $5.05 | $-0.11 | ||
| Q1 24 | $5.16 | $0.52 |
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 | $156.3M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $941.2M |
| 总资产 | $1.9B | $3.8B |
| 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FICOUFCS
| Q4 25 | $162.0M | $156.3M | ||
| Q3 25 | $134.1M | $233.7M | ||
| Q2 25 | $189.0M | $202.1M | ||
| Q1 25 | $146.6M | $183.7M | ||
| Q4 24 | $184.3M | $200.9M | ||
| Q3 24 | $150.7M | $197.4M | ||
| Q2 24 | $156.0M | $153.4M | ||
| Q1 24 | $135.7M | $217.8M |
总债务FICOUFCS
| 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FICOUFCS
| Q4 25 | $-1.8B | $941.2M | ||
| Q3 25 | $-1.7B | $898.7M | ||
| Q2 25 | $-1.4B | $845.7M | ||
| Q1 25 | $-1.1B | $817.7M | ||
| Q4 24 | $-1.1B | $781.5M | ||
| Q3 24 | $-962.7M | $785.8M | ||
| Q2 24 | $-829.3M | $726.6M | ||
| Q1 24 | $-735.7M | $736.8M |
总资产FICOUFCS
| Q4 25 | $1.9B | $3.8B | ||
| Q3 25 | $1.9B | $3.8B | ||
| Q2 25 | $1.9B | $3.7B | ||
| Q1 25 | $1.8B | $3.5B | ||
| Q4 24 | $1.7B | $3.5B | ||
| Q3 24 | $1.7B | $3.5B | ||
| Q2 24 | $1.7B | $3.4B | ||
| Q1 24 | $1.7B | $3.2B |
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 | $269.7M |
| 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FICOUFCS
| Q4 25 | $174.1M | $269.7M | ||
| Q3 25 | $223.7M | $60.8M | ||
| Q2 25 | $286.2M | $53.4M | ||
| Q1 25 | $74.9M | $35.7M | ||
| Q4 24 | $194.0M | $340.3M | ||
| Q3 24 | $226.5M | $56.5M | ||
| Q2 24 | $213.3M | $91.3M | ||
| Q1 24 | $71.0M | $36.2M |
自由现金流FICOUFCS
| 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FICOUFCS
| 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FICOUFCS
| 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FICOUFCS
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 1.55× | ||
| Q2 25 | 1.57× | 2.33× | ||
| Q1 25 | 0.46× | 2.02× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 2.86× | ||
| Q2 24 | 1.69× | — | ||
| Q1 24 | 0.55× | 2.68× |
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% |
UFCS
暂无分部数据
