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Fair Isaac（FICO）与VERRA MOBILITY Corp（VRRM）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VERRA MOBILITY Corp的2.3倍（$512.0M vs $223.6M），Fair Isaac净利率更高（30.9% vs 12.0%，领先19.0%），Fair Isaac同比增速更快（16.4% vs 0.1%），Fair Isaac自由现金流更多（$173.9M vs $9.6M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 0.3%）
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。
Verra Mobility Corp是全球领先的智慧出行技术解决方案提供商，业务涵盖收费管理、停车与交通合规执法、车联网服务及车队管理工具，服务对象包括政府交通部门、租车运营商、商业车队所有者及汽车行业合作伙伴，覆盖北美、欧洲及亚太市场。
FICO vs VRRM — 直观对比
营收规模更大
FICO
是对方的2.3倍
$223.6M
营收增速更快
FICO
高出16.2%
0.1%
净利率更高
FICO
高出19.0%
12.0%
自由现金流更多
FICO
多$164.2M
$9.6M
两年增速更快
FICO
近两年复合增速
0.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $223.6M |
| 净利润 | $158.4M | $26.7M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 23.2% |
| 净利率 | 30.9% | 12.0% |
| 营收同比 | 16.4% | 0.1% |
| 净利润同比 | 3.8% | -17.3% |
| 每股收益（稀释后） | $6.61 | $0.17 |
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FICOVRRM
| Q1 26 | — | $223.6M | ||
| Q4 25 | $512.0M | $257.9M | ||
| Q3 25 | $515.8M | $261.9M | ||
| Q2 25 | $536.4M | $236.0M | ||
| Q1 25 | $498.7M | $223.3M | ||
| Q4 24 | $440.0M | $221.5M | ||
| Q3 24 | $453.8M | $225.6M | ||
| Q2 24 | $447.8M | $222.4M |
净利润FICOVRRM
| Q1 26 | — | $26.7M | ||
| Q4 25 | $158.4M | $18.9M | ||
| Q3 25 | $155.0M | $46.8M | ||
| Q2 25 | $181.8M | $38.6M | ||
| Q1 25 | $162.6M | $32.3M | ||
| Q4 24 | $152.5M | $-66.7M | ||
| Q3 24 | $135.7M | $34.7M | ||
| Q2 24 | $126.3M | $34.2M |
毛利率FICOVRRM
| 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FICOVRRM
| Q1 26 | — | 23.2% | ||
| Q4 25 | 45.7% | 16.7% | ||
| Q3 25 | 46.0% | 28.6% | ||
| Q2 25 | 48.9% | 26.8% | ||
| Q1 25 | 49.3% | 25.7% | ||
| Q4 24 | 40.8% | -19.6% | ||
| Q3 24 | 43.4% | 28.3% | ||
| Q2 24 | 42.5% | 27.5% |
净利率FICOVRRM
| Q1 26 | — | 12.0% | ||
| Q4 25 | 30.9% | 7.3% | ||
| Q3 25 | 30.1% | 17.9% | ||
| Q2 25 | 33.9% | 16.3% | ||
| Q1 25 | 32.6% | 14.5% | ||
| Q4 24 | 34.7% | -30.1% | ||
| Q3 24 | 29.9% | 15.4% | ||
| Q2 24 | 28.2% | 15.4% |
每股收益（稀释后）FICOVRRM
| Q1 26 | — | $0.17 | ||
| Q4 25 | $6.61 | $0.12 | ||
| Q3 25 | $6.41 | $0.29 | ||
| Q2 25 | $7.40 | $0.24 | ||
| Q1 25 | $6.59 | $0.20 | ||
| Q4 24 | $6.14 | $-0.39 | ||
| Q3 24 | $5.44 | $0.21 | ||
| Q2 24 | $5.05 | $0.20 |
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 | $46.9M |
| 总债务越低越好 | $3.2B | $34.1M |
| 股东权益账面价值 | $-1.8B | $272.0M |
| 总资产 | $1.9B | $1.7B |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资FICOVRRM
| Q1 26 | — | $46.9M | ||
| Q4 25 | $162.0M | $65.3M | ||
| Q3 25 | $134.1M | $196.1M | ||
| Q2 25 | $189.0M | $147.7M | ||
| Q1 25 | $146.6M | $108.5M | ||
| Q4 24 | $184.3M | $77.6M | ||
| Q3 24 | $150.7M | $206.1M | ||
| Q2 24 | $156.0M | $122.0M |
总债务FICOVRRM
| Q1 26 | — | $34.1M | ||
| Q4 25 | $3.2B | $1.0B | ||
| Q3 25 | $3.1B | $1.0B | ||
| Q2 25 | $2.8B | $1.0B | ||
| Q1 25 | $2.5B | $1.0B | ||
| Q4 24 | $2.4B | $1.0B | ||
| Q3 24 | $2.2B | $1.0B | ||
| Q2 24 | $2.1B | $1.0B |
股东权益FICOVRRM
| Q1 26 | — | $272.0M | ||
| Q4 25 | $-1.8B | $293.0M | ||
| Q3 25 | $-1.7B | $403.1M | ||
| Q2 25 | $-1.4B | $352.1M | ||
| Q1 25 | $-1.1B | $299.6M | ||
| Q4 24 | $-1.1B | $265.1M | ||
| Q3 24 | $-962.7M | $486.5M | ||
| Q2 24 | $-829.3M | $438.6M |
总资产FICOVRRM
| Q1 26 | — | $1.7B | ||
| Q4 25 | $1.9B | $1.6B | ||
| Q3 25 | $1.9B | $1.8B | ||
| Q2 25 | $1.9B | $1.7B | ||
| Q1 25 | $1.8B | $1.6B | ||
| Q4 24 | $1.7B | $1.6B | ||
| Q3 24 | $1.7B | $1.9B | ||
| Q2 24 | $1.7B | $1.8B |
负债/权益比FICOVRRM
| Q1 26 | — | 0.13× | ||
| Q4 25 | — | 3.51× | ||
| Q3 25 | — | 2.55× | ||
| Q2 25 | — | 2.93× | ||
| Q1 25 | — | 3.45× | ||
| Q4 24 | — | 3.90× | ||
| Q3 24 | — | 2.13× | ||
| Q2 24 | — | 2.36× |
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 | $40.8M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $9.6M |
| 自由现金流率自由现金流/营收 | 34.0% | 4.3% |
| 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× | 1.53× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $104.6M |
8季度趋势，按日历期对齐
经营现金流FICOVRRM
| Q1 26 | — | $40.8M | ||
| Q4 25 | $174.1M | $40.0M | ||
| Q3 25 | $223.7M | $77.7M | ||
| Q2 25 | $286.2M | $75.1M | ||
| Q1 25 | $74.9M | $63.0M | ||
| Q4 24 | $194.0M | $40.5M | ||
| Q3 24 | $226.5M | $108.8M | ||
| Q2 24 | $213.3M | $40.0M |
自由现金流FICOVRRM
| Q1 26 | — | $9.6M | ||
| Q4 25 | $173.9M | $5.7M | ||
| Q3 25 | $219.5M | $49.0M | ||
| Q2 25 | $284.4M | $40.3M | ||
| Q1 25 | $72.8M | $41.7M | ||
| Q4 24 | $193.2M | $21.6M | ||
| Q3 24 | $224.7M | $85.1M | ||
| Q2 24 | $211.6M | $26.0M |
自由现金流率FICOVRRM
| Q1 26 | — | 4.3% | ||
| Q4 25 | 34.0% | 2.2% | ||
| Q3 25 | 42.6% | 18.7% | ||
| Q2 25 | 53.0% | 17.1% | ||
| Q1 25 | 14.6% | 18.7% | ||
| Q4 24 | 43.9% | 9.8% | ||
| Q3 24 | 49.5% | 37.7% | ||
| Q2 24 | 47.2% | 11.7% |
资本支出强度FICOVRRM
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 13.3% | ||
| Q3 25 | 0.8% | 11.0% | ||
| Q2 25 | 0.3% | 14.8% | ||
| Q1 25 | 0.4% | 9.5% | ||
| Q4 24 | 0.2% | 8.5% | ||
| Q3 24 | 0.4% | 10.5% | ||
| Q2 24 | 0.4% | 6.3% |
现金转化率FICOVRRM
| Q1 26 | — | 1.53× | ||
| Q4 25 | 1.10× | 2.12× | ||
| Q3 25 | 1.44× | 1.66× | ||
| Q2 25 | 1.57× | 1.95× | ||
| Q1 25 | 0.46× | 1.95× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 3.13× | ||
| Q2 24 | 1.69× | 1.17× |
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% |
VRRM
| Government Solutions segment generated total | $105.3M | 47% |
| Commercial Services segment generated total | $97.8M | 44% |
| Parking Solutions segment generated total | $20.4M | 9% |
