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Fair Isaac（FICO）与Utz Brands, Inc.（UTZ）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Utz Brands, Inc.的1.5倍（$512.0M vs $341.0M），Fair Isaac净利率更高（30.9% vs 0.7%，领先30.3%），Fair Isaac同比增速更快（16.4% vs -3.1%），Fair Isaac自由现金流更多（$173.9M vs $16.5M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -1.5%）
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。
Utz Brands, Inc.常简称为Utz，是总部位于美国宾夕法尼亚州汉诺威的休闲食品企业。该公司主打生产薯片、碱水脆饼等多种休闲食品，大部分产品以旗下品牌矩阵发售，同时也为仓储式会员店和批发商供应休闲零食。
FICO vs UTZ — 直观对比
营收规模更大
FICO
是对方的1.5倍
$341.0M
营收增速更快
FICO
高出19.5%
-3.1%
净利率更高
FICO
高出30.3%
0.7%
自由现金流更多
FICO
多$157.4M
$16.5M
两年增速更快
FICO
近两年复合增速
-1.5%
损益表 — Q1 FY2026 vs Q4 FY2024
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $341.0M |
| 净利润 | $158.4M | $2.3M |
| 毛利率 | 83.0% | 25.5% |
| 营业利润率 | 45.7% | 2.1% |
| 净利率 | 30.9% | 0.7% |
| 营收同比 | 16.4% | -3.1% |
| 净利润同比 | 3.8% | 108.3% |
| 每股收益（稀释后） | $6.61 | $0.04 |
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FICOUTZ
| Q4 25 | $512.0M | — | ||
| Q3 25 | $515.8M | — | ||
| Q2 25 | $536.4M | — | ||
| Q1 25 | $498.7M | — | ||
| Q4 24 | $440.0M | $341.0M | ||
| Q3 24 | $453.8M | $365.5M | ||
| Q2 24 | $447.8M | $356.2M | ||
| Q1 24 | $433.8M | $346.5M |
净利润FICOUTZ
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | — | ||
| Q2 25 | $181.8M | — | ||
| Q1 25 | $162.6M | — | ||
| Q4 24 | $152.5M | $2.3M | ||
| Q3 24 | $135.7M | $-2.2M | ||
| Q2 24 | $126.3M | $19.8M | ||
| Q1 24 | $129.8M | $-4.0M |
毛利率FICOUTZ
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | 25.5% | ||
| Q3 24 | 80.3% | 26.9% | ||
| Q2 24 | 80.3% | 26.7% | ||
| Q1 24 | 80.0% | 25.5% |
营业利润率FICOUTZ
| Q4 25 | 45.7% | — | ||
| Q3 25 | 46.0% | — | ||
| Q2 25 | 48.9% | — | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.8% | 2.1% | ||
| Q3 24 | 43.4% | 5.3% | ||
| Q2 24 | 42.5% | 6.3% | ||
| Q1 24 | 44.9% | 2.8% |
净利率FICOUTZ
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | — | ||
| Q2 25 | 33.9% | — | ||
| Q1 25 | 32.6% | — | ||
| Q4 24 | 34.7% | 0.7% | ||
| Q3 24 | 29.9% | -0.6% | ||
| Q2 24 | 28.2% | 5.6% | ||
| Q1 24 | 29.9% | -1.2% |
每股收益（稀释后）FICOUTZ
| Q4 25 | $6.61 | — | ||
| Q3 25 | $6.41 | — | ||
| Q2 25 | $7.40 | — | ||
| Q1 25 | $6.59 | — | ||
| Q4 24 | $6.14 | $0.04 | ||
| Q3 24 | $5.44 | $-0.03 | ||
| Q2 24 | $5.05 | $0.23 | ||
| Q1 24 | $5.16 | $-0.05 |
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 | $56.1M |
| 总债务越低越好 | $3.2B | $768.6M |
| 股东权益账面价值 | $-1.8B | $696.9M |
| 总资产 | $1.9B | $2.7B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资FICOUTZ
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | — | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $56.1M | ||
| Q3 24 | $150.7M | $64.9M | ||
| Q2 24 | $156.0M | $66.6M | ||
| Q1 24 | $135.7M | $47.0M |
总债务FICOUTZ
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $768.6M | ||
| Q3 24 | $2.2B | $780.8M | ||
| Q2 24 | $2.1B | $797.6M | ||
| Q1 24 | $2.0B | $756.9M |
股东权益FICOUTZ
| Q4 25 | $-1.8B | — | ||
| Q3 25 | $-1.7B | — | ||
| Q2 25 | $-1.4B | — | ||
| Q1 25 | $-1.1B | — | ||
| Q4 24 | $-1.1B | $696.9M | ||
| Q3 24 | $-962.7M | $685.7M | ||
| Q2 24 | $-829.3M | $686.0M | ||
| Q1 24 | $-735.7M | $671.1M |
总资产FICOUTZ
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $1.8B | — | ||
| Q4 24 | $1.7B | $2.7B | ||
| Q3 24 | $1.7B | $2.6B | ||
| Q2 24 | $1.7B | $2.7B | ||
| Q1 24 | $1.7B | $2.6B |
负债/权益比FICOUTZ
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× |
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 | $54.2M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $16.5M |
| 自由现金流率自由现金流/营收 | 34.0% | 4.8% |
| 资本支出强度资本支出/营收 | 0.0% | 11.1% |
| 现金转化率经营现金流/净利润 | 1.10× | 23.67× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $7.6M |
8季度趋势，按日历期对齐
经营现金流FICOUTZ
| Q4 25 | $174.1M | — | ||
| Q3 25 | $223.7M | — | ||
| Q2 25 | $286.2M | — | ||
| Q1 25 | $74.9M | — | ||
| Q4 24 | $194.0M | $54.2M | ||
| Q3 24 | $226.5M | $52.2M | ||
| Q2 24 | $213.3M | $8.9M | ||
| Q1 24 | $71.0M | $-9.1M |
自由现金流FICOUTZ
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | $16.5M | ||
| Q3 24 | $224.7M | $29.1M | ||
| Q2 24 | $211.6M | $-15.3M | ||
| Q1 24 | $67.0M | $-22.7M |
自由现金流率FICOUTZ
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | 4.8% | ||
| Q3 24 | 49.5% | 8.0% | ||
| Q2 24 | 47.2% | -4.3% | ||
| Q1 24 | 15.4% | -6.5% |
资本支出强度FICOUTZ
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | 11.1% | ||
| Q3 24 | 0.4% | 6.3% | ||
| Q2 24 | 0.4% | 6.8% | ||
| Q1 24 | 0.9% | 3.9% |
现金转化率FICOUTZ
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 23.67× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 0.45× | ||
| 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% |
UTZ
暂无分部数据
