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Fair Isaac（FICO）与Westrock Coffee Co（WEST）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Westrock Coffee Co的1.5倍（$512.0M vs $339.5M），Fair Isaac净利率更高（30.9% vs -6.6%，领先37.6%），Westrock Coffee Co同比增速更快（48.3% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $27.8M），过去两年Westrock Coffee Co的营收复合增速更高（32.8% 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。
Westrock Coffee Co是一家全球化综合咖啡及饮品解决方案供应商，业务覆盖咖啡、茶与功能性饮品的采购、烘焙、生产及分销，为北美及全球其他区域的零售、餐饮和商业客户提供定制化产品及配套服务。
FICO vs WEST — 直观对比
营收规模更大
FICO
是对方的1.5倍
$339.5M
营收增速更快
WEST
高出31.9%
16.4%
净利率更高
FICO
高出37.6%
-6.6%
自由现金流更多
FICO
多$146.1M
$27.8M
两年增速更快
WEST
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $339.5M |
| 净利润 | $158.4M | $-22.6M |
| 毛利率 | 83.0% | 11.5% |
| 营业利润率 | 45.7% | -2.6% |
| 净利率 | 30.9% | -6.6% |
| 营收同比 | 16.4% | 48.3% |
| 净利润同比 | 3.8% | 8.3% |
| 每股收益（稀释后） | $6.61 | $-0.22 |
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FICOWEST
| Q4 25 | $512.0M | $339.5M | ||
| Q3 25 | $515.8M | $354.8M | ||
| Q2 25 | $536.4M | $280.9M | ||
| Q1 25 | $498.7M | $213.8M | ||
| Q4 24 | $440.0M | $229.0M | ||
| Q3 24 | $453.8M | $220.9M | ||
| Q2 24 | $447.8M | $208.4M | ||
| Q1 24 | $433.8M | $192.5M |
净利润FICOWEST
| Q4 25 | $158.4M | $-22.6M | ||
| Q3 25 | $155.0M | $-19.1M | ||
| Q2 25 | $181.8M | $-21.6M | ||
| Q1 25 | $162.6M | $-27.2M | ||
| Q4 24 | $152.5M | $-24.6M | ||
| Q3 24 | $135.7M | $-14.3M | ||
| Q2 24 | $126.3M | $-17.8M | ||
| Q1 24 | $129.8M | $-23.7M |
毛利率FICOWEST
| Q4 25 | 83.0% | 11.5% | ||
| Q3 25 | 82.3% | 11.7% | ||
| Q2 25 | 83.7% | 14.7% | ||
| Q1 25 | 82.4% | 13.6% | ||
| Q4 24 | 80.1% | 16.6% | ||
| Q3 24 | 80.3% | 16.8% | ||
| Q2 24 | 80.3% | 19.9% | ||
| Q1 24 | 80.0% | 19.4% |
营业利润率FICOWEST
| Q4 25 | 45.7% | -2.6% | ||
| Q3 25 | 46.0% | -2.4% | ||
| Q2 25 | 48.9% | -5.3% | ||
| Q1 25 | 49.3% | -6.1% | ||
| Q4 24 | 40.8% | -4.3% | ||
| Q3 24 | 43.4% | -5.8% | ||
| Q2 24 | 42.5% | -7.9% | ||
| Q1 24 | 44.9% | -5.3% |
净利率FICOWEST
| Q4 25 | 30.9% | -6.6% | ||
| Q3 25 | 30.1% | -5.4% | ||
| Q2 25 | 33.9% | -7.7% | ||
| Q1 25 | 32.6% | -12.7% | ||
| Q4 24 | 34.7% | -10.7% | ||
| Q3 24 | 29.9% | -6.5% | ||
| Q2 24 | 28.2% | -8.5% | ||
| Q1 24 | 29.9% | -12.3% |
每股收益（稀释后）FICOWEST
| Q4 25 | $6.61 | $-0.22 | ||
| Q3 25 | $6.41 | $-0.20 | ||
| Q2 25 | $7.40 | $-0.23 | ||
| Q1 25 | $6.59 | $-0.29 | ||
| Q4 24 | $6.14 | $-0.26 | ||
| Q3 24 | $5.44 | $-0.16 | ||
| Q2 24 | $5.05 | $-0.20 | ||
| Q1 24 | $5.16 | $-0.27 |
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 | $49.9M |
| 总债务越低越好 | $3.2B | $444.1M |
| 股东权益账面价值 | $-1.8B | $-1.9M |
| 总资产 | $1.9B | $1.2B |
| 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FICOWEST
| Q4 25 | $162.0M | $49.9M | ||
| Q3 25 | $134.1M | $34.0M | ||
| Q2 25 | $189.0M | $44.0M | ||
| Q1 25 | $146.6M | $33.1M | ||
| Q4 24 | $184.3M | $26.2M | ||
| Q3 24 | $150.7M | $22.4M | ||
| Q2 24 | $156.0M | $24.3M | ||
| Q1 24 | $135.7M | $12.6M |
总债务FICOWEST
| Q4 25 | $3.2B | $444.1M | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $393.1M | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOWEST
| Q4 25 | $-1.8B | $-1.9M | ||
| Q3 25 | $-1.7B | $11.4M | ||
| Q2 25 | $-1.4B | $18.2M | ||
| Q1 25 | $-1.1B | $71.4M | ||
| Q4 24 | $-1.1B | $97.5M | ||
| Q3 24 | $-962.7M | $110.3M | ||
| Q2 24 | $-829.3M | $81.5M | ||
| Q1 24 | $-735.7M | $91.7M |
总资产FICOWEST
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.9B | $1.2B | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.8B | $1.1B | ||
| Q4 24 | $1.7B | $1.1B | ||
| Q3 24 | $1.7B | $1.1B | ||
| Q2 24 | $1.7B | $1.1B | ||
| Q1 24 | $1.7B | $983.3M |
负债/权益比FICOWEST
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $36.7M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $27.8M |
| 自由现金流率自由现金流/营收 | 34.0% | 8.2% |
| 资本支出强度资本支出/营收 | 0.0% | 2.6% |
| 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 | $-107.8M |
8季度趋势，按日历期对齐
经营现金流FICOWEST
| Q4 25 | $174.1M | $36.7M | ||
| Q3 25 | $223.7M | $-26.6M | ||
| Q2 25 | $286.2M | $-7.0M | ||
| Q1 25 | $74.9M | $-22.1M | ||
| Q4 24 | $194.0M | $2.8M | ||
| Q3 24 | $226.5M | $-332.0K | ||
| Q2 24 | $213.3M | $-23.7M | ||
| Q1 24 | $71.0M | $8.0M |
自由现金流FICOWEST
| Q4 25 | $173.9M | $27.8M | ||
| Q3 25 | $219.5M | $-44.7M | ||
| Q2 25 | $284.4M | $-27.5M | ||
| Q1 25 | $72.8M | $-63.4M | ||
| Q4 24 | $193.2M | $-15.4M | ||
| Q3 24 | $224.7M | $-36.7M | ||
| Q2 24 | $211.6M | $-59.9M | ||
| Q1 24 | $67.0M | $-60.9M |
自由现金流率FICOWEST
| Q4 25 | 34.0% | 8.2% | ||
| Q3 25 | 42.6% | -12.6% | ||
| Q2 25 | 53.0% | -9.8% | ||
| Q1 25 | 14.6% | -29.7% | ||
| Q4 24 | 43.9% | -6.7% | ||
| Q3 24 | 49.5% | -16.6% | ||
| Q2 24 | 47.2% | -28.7% | ||
| Q1 24 | 15.4% | -31.7% |
资本支出强度FICOWEST
| Q4 25 | 0.0% | 2.6% | ||
| Q3 25 | 0.8% | 5.1% | ||
| Q2 25 | 0.3% | 7.3% | ||
| Q1 25 | 0.4% | 19.3% | ||
| Q4 24 | 0.2% | 7.9% | ||
| Q3 24 | 0.4% | 16.5% | ||
| Q2 24 | 0.4% | 17.4% | ||
| Q1 24 | 0.9% | 35.8% |
现金转化率FICOWEST
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | — | ||
| 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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
