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Fair Isaac（FICO）与Walker & Dunlop, Inc.（WD）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Walker & Dunlop, Inc.的1.5倍（$512.0M vs $340.0M），Fair Isaac净利率更高（30.9% vs -12.9%，领先43.8%），Fair Isaac同比增速更快（16.4% vs -0.4%），Fair Isaac自由现金流更多（$173.9M vs $-680.1M），过去两年Walker & Dunlop, Inc.的营收复合增速更高（22.1% 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。
Walker & Dunlop, Inc.是美国乃至全球规模领先的商业地产金融与咨询服务机构，为客户提供覆盖商业地产领域的多元金融解决方案及专业咨询服务，业务辐射全球多个市场，在行业内拥有深厚的资源积累与广泛的市场认可度。
FICO vs WD — 直观对比
营收规模更大
FICO
是对方的1.5倍
$340.0M
营收增速更快
FICO
高出16.8%
-0.4%
净利率更高
FICO
高出43.8%
-12.9%
自由现金流更多
FICO
多$853.9M
$-680.1M
两年增速更快
WD
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $340.0M |
| 净利润 | $158.4M | $-13.9M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | -17.2% |
| 净利率 | 30.9% | -12.9% |
| 营收同比 | 16.4% | -0.4% |
| 净利润同比 | 3.8% | -131.0% |
| 每股收益（稀释后） | $6.61 | $-0.41 |
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FICOWD
| Q4 25 | $512.0M | $340.0M | ||
| Q3 25 | $515.8M | $337.7M | ||
| Q2 25 | $536.4M | $319.2M | ||
| Q1 25 | $498.7M | $237.4M | ||
| Q4 24 | $440.0M | $341.5M | ||
| Q3 24 | $453.8M | $292.3M | ||
| Q2 24 | $447.8M | $270.7M | ||
| Q1 24 | $433.8M | $228.1M |
净利润FICOWD
| Q4 25 | $158.4M | $-13.9M | ||
| Q3 25 | $155.0M | $33.5M | ||
| Q2 25 | $181.8M | $34.0M | ||
| Q1 25 | $162.6M | $2.8M | ||
| Q4 24 | $152.5M | $44.8M | ||
| Q3 24 | $135.7M | $28.8M | ||
| Q2 24 | $126.3M | $22.7M | ||
| Q1 24 | $129.8M | $11.9M |
毛利率FICOWD
| 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FICOWD
| Q4 25 | 45.7% | -17.2% | ||
| Q3 25 | 46.0% | 13.6% | ||
| Q2 25 | 48.9% | 14.5% | ||
| Q1 25 | 49.3% | 2.2% | ||
| Q4 24 | 40.8% | 15.3% | ||
| Q3 24 | 43.4% | 12.8% | ||
| Q2 24 | 42.5% | 10.4% | ||
| Q1 24 | 44.9% | 6.0% |
净利率FICOWD
| Q4 25 | 30.9% | -12.9% | ||
| Q3 25 | 30.1% | 9.9% | ||
| Q2 25 | 33.9% | 10.6% | ||
| Q1 25 | 32.6% | 1.2% | ||
| Q4 24 | 34.7% | 13.1% | ||
| Q3 24 | 29.9% | 9.9% | ||
| Q2 24 | 28.2% | 8.4% | ||
| Q1 24 | 29.9% | 5.2% |
每股收益（稀释后）FICOWD
| Q4 25 | $6.61 | $-0.41 | ||
| Q3 25 | $6.41 | $0.98 | ||
| Q2 25 | $7.40 | $0.99 | ||
| Q1 25 | $6.59 | $0.08 | ||
| Q4 24 | $6.14 | $1.32 | ||
| Q3 24 | $5.44 | $0.85 | ||
| Q2 24 | $5.05 | $0.67 | ||
| Q1 24 | $5.16 | $0.35 |
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 | $299.3M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $1.7B |
| 总资产 | $1.9B | $5.1B |
| 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FICOWD
| Q4 25 | $162.0M | $299.3M | ||
| Q3 25 | $134.1M | $274.8M | ||
| Q2 25 | $189.0M | $233.7M | ||
| Q1 25 | $146.6M | $181.0M | ||
| Q4 24 | $184.3M | $279.3M | ||
| Q3 24 | $150.7M | $179.8M | ||
| Q2 24 | $156.0M | $208.1M | ||
| Q1 24 | $135.7M | $216.5M |
总债务FICOWD
| 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FICOWD
| Q4 25 | $-1.8B | $1.7B | ||
| Q3 25 | $-1.7B | $1.8B | ||
| Q2 25 | $-1.4B | $1.8B | ||
| Q1 25 | $-1.1B | $1.7B | ||
| Q4 24 | $-1.1B | $1.7B | ||
| Q3 24 | $-962.7M | $1.7B | ||
| Q2 24 | $-829.3M | $1.7B | ||
| Q1 24 | $-735.7M | $1.7B |
总资产FICOWD
| Q4 25 | $1.9B | $5.1B | ||
| Q3 25 | $1.9B | $5.8B | ||
| Q2 25 | $1.9B | $4.7B | ||
| Q1 25 | $1.8B | $4.5B | ||
| Q4 24 | $1.7B | $4.4B | ||
| Q3 24 | $1.7B | $4.6B | ||
| Q2 24 | $1.7B | $4.2B | ||
| Q1 24 | $1.7B | $3.8B |
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 | $-664.3M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-680.1M |
| 自由现金流率自由现金流/营收 | 34.0% | -200.0% |
| 资本支出强度资本支出/营收 | 0.0% | 4.6% |
| 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 | $-2.2B |
8季度趋势，按日历期对齐
经营现金流FICOWD
| Q4 25 | $174.1M | $-664.3M | ||
| Q3 25 | $223.7M | $-948.1M | ||
| Q2 25 | $286.2M | $-238.5M | ||
| Q1 25 | $74.9M | $-281.1M | ||
| Q4 24 | $194.0M | $129.4M | ||
| Q3 24 | $226.5M | $-202.0M | ||
| Q2 24 | $213.3M | $-237.8M | ||
| Q1 24 | $71.0M | $38.4M |
自由现金流FICOWD
| Q4 25 | $173.9M | $-680.1M | ||
| Q3 25 | $219.5M | $-950.4M | ||
| Q2 25 | $284.4M | $-241.0M | ||
| Q1 25 | $72.8M | $-284.7M | ||
| Q4 24 | $193.2M | $116.4M | ||
| Q3 24 | $224.7M | $-204.0M | ||
| Q2 24 | $211.6M | $-241.7M | ||
| Q1 24 | $67.0M | $35.2M |
自由现金流率FICOWD
| Q4 25 | 34.0% | -200.0% | ||
| Q3 25 | 42.6% | -281.5% | ||
| Q2 25 | 53.0% | -75.5% | ||
| Q1 25 | 14.6% | -120.0% | ||
| Q4 24 | 43.9% | 34.1% | ||
| Q3 24 | 49.5% | -69.8% | ||
| Q2 24 | 47.2% | -89.3% | ||
| Q1 24 | 15.4% | 15.4% |
资本支出强度FICOWD
| Q4 25 | 0.0% | 4.6% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.3% | 0.8% | ||
| Q1 25 | 0.4% | 1.5% | ||
| Q4 24 | 0.2% | 3.8% | ||
| Q3 24 | 0.4% | 0.7% | ||
| Q2 24 | 0.4% | 1.4% | ||
| Q1 24 | 0.9% | 1.4% |
现金转化率FICOWD
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | -28.34× | ||
| Q2 25 | 1.57× | -7.02× | ||
| Q1 25 | 0.46× | -102.07× | ||
| Q4 24 | 1.27× | 2.89× | ||
| Q3 24 | 1.67× | -7.01× | ||
| Q2 24 | 1.69× | -10.49× | ||
| Q1 24 | 0.55× | 3.24× |
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% |
WD
暂无分部数据
