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Fair Isaac（FICO）与Upstart Holdings, Inc.（UPST）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Upstart Holdings, Inc.的1.7倍（$512.0M vs $308.2M），Fair Isaac净利率更高（30.9% vs -2.2%，领先33.1%），Upstart Holdings, Inc.同比增速更快（44.4% vs 16.4%），过去两年Upstart Holdings, Inc.的营收复合增速更高（55.4% 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。
Upstart是一家AI信贷平台服务商，与银行及信用合作社合作，将教育背景、就业情况等非传统指标纳入信用评估模型，更精准地预测借款人的信用状况，为用户提供消费贷款服务，助力金融机构提升信贷效率、扩大服务覆盖范围。
FICO vs UPST — 直观对比
营收规模更大
FICO
是对方的1.7倍
$308.2M
营收增速更快
UPST
高出28.1%
16.4%
净利率更高
FICO
高出33.1%
-2.2%
两年增速更快
UPST
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $308.2M |
| 净利润 | $158.4M | $-6.6M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | -2.4% |
| 净利率 | 30.9% | -2.2% |
| 营收同比 | 16.4% | 44.4% |
| 净利润同比 | 3.8% | -171.6% |
| 每股收益（稀释后） | $6.61 | $-0.07 |
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FICOUPST
| Q1 26 | — | $308.2M | ||
| Q4 25 | $512.0M | $296.1M | ||
| Q3 25 | $515.8M | $277.1M | ||
| Q2 25 | $536.4M | $257.3M | ||
| Q1 25 | $498.7M | $213.4M | ||
| Q4 24 | $440.0M | $219.0M | ||
| Q3 24 | $453.8M | $162.1M | ||
| Q2 24 | $447.8M | $127.6M |
净利润FICOUPST
| Q1 26 | — | $-6.6M | ||
| Q4 25 | $158.4M | $18.6M | ||
| Q3 25 | $155.0M | $31.8M | ||
| Q2 25 | $181.8M | $5.6M | ||
| Q1 25 | $162.6M | $-2.4M | ||
| Q4 24 | $152.5M | $-2.8M | ||
| Q3 24 | $135.7M | $-6.8M | ||
| Q2 24 | $126.3M | $-54.5M |
毛利率FICOUPST
| 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FICOUPST
| Q1 26 | — | -2.4% | ||
| Q4 25 | 45.7% | 6.4% | ||
| Q3 25 | 46.0% | 8.5% | ||
| Q2 25 | 48.9% | 1.8% | ||
| Q1 25 | 49.3% | -2.1% | ||
| Q4 24 | 40.8% | -2.2% | ||
| Q3 24 | 43.4% | -27.8% | ||
| Q2 24 | 42.5% | -43.5% |
净利率FICOUPST
| Q1 26 | — | -2.2% | ||
| Q4 25 | 30.9% | 6.3% | ||
| Q3 25 | 30.1% | 11.5% | ||
| Q2 25 | 33.9% | 2.2% | ||
| Q1 25 | 32.6% | -1.1% | ||
| Q4 24 | 34.7% | -1.3% | ||
| Q3 24 | 29.9% | -4.2% | ||
| Q2 24 | 28.2% | -42.7% |
每股收益（稀释后）FICOUPST
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $6.61 | $0.20 | ||
| Q3 25 | $6.41 | $0.23 | ||
| Q2 25 | $7.40 | $0.05 | ||
| Q1 25 | $6.59 | $-0.03 | ||
| Q4 24 | $6.14 | $-0.01 | ||
| Q3 24 | $5.44 | $-0.07 | ||
| 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 | $472.9M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $733.2M |
| 总资产 | $1.9B | $3.0B |
| 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FICOUPST
| Q1 26 | — | $472.9M | ||
| Q4 25 | $162.0M | $652.4M | ||
| Q3 25 | $134.1M | $489.8M | ||
| Q2 25 | $189.0M | $395.9M | ||
| Q1 25 | $146.6M | $599.8M | ||
| Q4 24 | $184.3M | $788.4M | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — |
总债务FICOUPST
| Q1 26 | — | — | ||
| 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 | — |
股东权益FICOUPST
| Q1 26 | — | $733.2M | ||
| Q4 25 | $-1.8B | $798.8M | ||
| Q3 25 | $-1.7B | $743.7M | ||
| Q2 25 | $-1.4B | $722.0M | ||
| Q1 25 | $-1.1B | $676.6M | ||
| Q4 24 | $-1.1B | $633.2M | ||
| Q3 24 | $-962.7M | $595.5M | ||
| Q2 24 | $-829.3M | $594.7M |
总资产FICOUPST
| Q1 26 | — | $3.0B | ||
| Q4 25 | $1.9B | $3.0B | ||
| Q3 25 | $1.9B | $2.9B | ||
| Q2 25 | $1.9B | $2.5B | ||
| Q1 25 | $1.8B | $2.3B | ||
| Q4 24 | $1.7B | $2.4B | ||
| Q3 24 | $1.7B | $1.8B | ||
| Q2 24 | $1.7B | $1.8B |
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 | $-133.3M |
| 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FICOUPST
| Q1 26 | — | $-133.3M | ||
| Q4 25 | $174.1M | $108.6M | ||
| Q3 25 | $223.7M | $-122.6M | ||
| Q2 25 | $286.2M | $-120.2M | ||
| Q1 25 | $74.9M | $-13.5M | ||
| Q4 24 | $194.0M | $-110.9M | ||
| Q3 24 | $226.5M | $179.3M | ||
| Q2 24 | $213.3M | $65.3M |
自由现金流FICOUPST
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $108.4M | ||
| Q3 25 | $219.5M | $-122.7M | ||
| Q2 25 | $284.4M | $-120.3M | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | $179.2M | ||
| Q2 24 | $211.6M | $65.3M |
自由现金流率FICOUPST
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 36.6% | ||
| Q3 25 | 42.6% | -44.3% | ||
| Q2 25 | 53.0% | -46.7% | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | 110.5% | ||
| Q2 24 | 47.2% | 51.1% |
资本支出强度FICOUPST
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.3% | 0.0% | ||
| Q1 25 | 0.4% | 0.0% | ||
| Q4 24 | 0.2% | 0.0% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | 0.0% |
现金转化率FICOUPST
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 5.82× | ||
| Q3 25 | 1.44× | -3.86× | ||
| Q2 25 | 1.57× | -21.43× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | — |
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% |
UPST
| Platform and referral fees, net | $224.6M | 73% |
| Servicing and other fees, net | $52.4M | 17% |
| Other | $31.2M | 10% |
