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Fair Isaac（FICO）与Vestis Corp（VSTS）财务数据对比。点击上方公司名可切换其他公司
Vestis Corp的季度营收约是Fair Isaac的1.3倍（$663.4M vs $512.0M），Fair Isaac净利率更高（30.9% vs -1.0%，领先31.9%），Fair Isaac同比增速更快（16.4% vs -3.0%），Fair Isaac自由现金流更多（$173.9M vs $28.3M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -3.0%）
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。
Vestis Corp是北美领先的工作制服、安全防护服饰及配套设施服务供应商，服务覆盖医疗、制造、零售、餐饮住宿、公共服务等多个领域，为企业客户提供定制化的制服租赁、清洁与日常维护解决方案。
FICO vs VSTS — 直观对比
营收规模更大
VSTS
是对方的1.3倍
$512.0M
营收增速更快
FICO
高出19.3%
-3.0%
净利率更高
FICO
高出31.9%
-1.0%
自由现金流更多
FICO
多$145.6M
$28.3M
两年增速更快
FICO
近两年复合增速
-3.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $663.4M |
| 净利润 | $158.4M | $-6.4M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | 2.5% |
| 净利率 | 30.9% | -1.0% |
| 营收同比 | 16.4% | -3.0% |
| 净利润同比 | 3.8% | -868.1% |
| 每股收益（稀释后） | $6.61 | $-0.05 |
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FICOVSTS
| Q1 26 | — | $663.4M | ||
| Q4 25 | $512.0M | $712.0M | ||
| Q3 25 | $515.8M | — | ||
| Q2 25 | $536.4M | $673.8M | ||
| Q1 25 | $498.7M | $665.2M | ||
| Q4 24 | $440.0M | $683.8M | ||
| Q3 24 | $453.8M | $684.3M | ||
| Q2 24 | $447.8M | $698.2M |
净利润FICOVSTS
| Q1 26 | — | $-6.4M | ||
| Q4 25 | $158.4M | $-12.5M | ||
| Q3 25 | $155.0M | — | ||
| Q2 25 | $181.8M | $-676.0K | ||
| Q1 25 | $162.6M | $-27.8M | ||
| Q4 24 | $152.5M | $832.0K | ||
| Q3 24 | $135.7M | $-2.3M | ||
| Q2 24 | $126.3M | $5.0M |
毛利率FICOVSTS
| 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FICOVSTS
| Q1 26 | — | 2.5% | ||
| Q4 25 | 45.7% | 2.5% | ||
| Q3 25 | 46.0% | — | ||
| Q2 25 | 48.9% | 3.7% | ||
| Q1 25 | 49.3% | -1.3% | ||
| Q4 24 | 40.8% | 4.4% | ||
| Q3 24 | 43.4% | 4.4% | ||
| Q2 24 | 42.5% | 5.4% |
净利率FICOVSTS
| Q1 26 | — | -1.0% | ||
| Q4 25 | 30.9% | -1.8% | ||
| Q3 25 | 30.1% | — | ||
| Q2 25 | 33.9% | -0.1% | ||
| Q1 25 | 32.6% | -4.2% | ||
| Q4 24 | 34.7% | 0.1% | ||
| Q3 24 | 29.9% | -0.3% | ||
| Q2 24 | 28.2% | 0.7% |
每股收益（稀释后）FICOVSTS
| Q1 26 | — | $-0.05 | ||
| Q4 25 | $6.61 | $-0.10 | ||
| Q3 25 | $6.41 | — | ||
| Q2 25 | $7.40 | $-0.01 | ||
| Q1 25 | $6.59 | $-0.21 | ||
| Q4 24 | $6.14 | $0.01 | ||
| Q3 24 | $5.44 | $-0.02 | ||
| Q2 24 | $5.05 | $0.04 |
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 | $41.5M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $864.4M |
| 总资产 | $1.9B | $2.9B |
| 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FICOVSTS
| Q1 26 | — | $41.5M | ||
| Q4 25 | $162.0M | $29.7M | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | $23.7M | ||
| Q1 25 | $146.6M | $28.8M | ||
| Q4 24 | $184.3M | $18.6M | ||
| Q3 24 | $150.7M | $31.0M | ||
| Q2 24 | $156.0M | $29.1M |
总债务FICOVSTS
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | $1.2B | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | $1.2B | ||
| Q2 24 | $2.1B | — |
股东权益FICOVSTS
| Q1 26 | — | $864.4M | ||
| Q4 25 | $-1.8B | $865.6M | ||
| Q3 25 | $-1.7B | — | ||
| Q2 25 | $-1.4B | $882.2M | ||
| Q1 25 | $-1.1B | $876.3M | ||
| Q4 24 | $-1.1B | $899.6M | ||
| Q3 24 | $-962.7M | $903.1M | ||
| Q2 24 | $-829.3M | $901.2M |
总资产FICOVSTS
| Q1 26 | — | $2.9B | ||
| Q4 25 | $1.9B | $2.9B | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.9B | $2.9B | ||
| Q1 25 | $1.8B | $2.9B | ||
| Q4 24 | $1.7B | $2.9B | ||
| Q3 24 | $1.7B | $2.9B | ||
| Q2 24 | $1.7B | $3.1B |
负债/权益比FICOVSTS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.35× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.29× | ||
| Q2 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 | $37.7M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $28.3M |
| 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% | 1.4% |
| 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 | $45.0M |
8季度趋势，按日历期对齐
经营现金流FICOVSTS
| Q1 26 | — | $37.7M | ||
| Q4 25 | $174.1M | $30.9M | ||
| Q3 25 | $223.7M | — | ||
| Q2 25 | $286.2M | $22.9M | ||
| Q1 25 | $74.9M | $6.7M | ||
| Q4 24 | $194.0M | $3.8M | ||
| Q3 24 | $226.5M | $295.6M | ||
| Q2 24 | $213.3M | $48.7M |
自由现金流FICOVSTS
| Q1 26 | — | $28.3M | ||
| Q4 25 | $173.9M | $15.6M | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | $8.0M | ||
| Q1 25 | $72.8M | $-6.9M | ||
| Q4 24 | $193.2M | $-11.0M | ||
| Q3 24 | $224.7M | $267.5M | ||
| Q2 24 | $211.6M | $27.7M |
自由现金流率FICOVSTS
| Q1 26 | — | 4.3% | ||
| Q4 25 | 34.0% | 2.2% | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | 1.2% | ||
| Q1 25 | 14.6% | -1.0% | ||
| Q4 24 | 43.9% | -1.6% | ||
| Q3 24 | 49.5% | 39.1% | ||
| Q2 24 | 47.2% | 4.0% |
资本支出强度FICOVSTS
| Q1 26 | — | 1.4% | ||
| Q4 25 | 0.0% | 2.2% | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | 2.2% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.2% | 2.2% | ||
| Q3 24 | 0.4% | 4.1% | ||
| Q2 24 | 0.4% | 3.0% |
现金转化率FICOVSTS
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 4.54× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 9.66× |
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% |
VSTS
| Workplace Supplies | $375.2M | 57% |
| Uniforms | $227.7M | 34% |
| Other | $60.5M | 9% |
