vs
Fair Isaac（FICO）与Worthington Steel, Inc.（WS）财务数据对比。点击上方公司名可切换其他公司
Worthington Steel, Inc.的季度营收约是Fair Isaac的1.7倍（$871.9M vs $512.0M），Fair Isaac净利率更高（30.9% vs 2.2%，领先28.8%），Worthington Steel, Inc.同比增速更快（18.0% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $74.6M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 3.9%）
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。
沃辛顿钢铁是总部位于美国俄亥俄州哥伦布市的工业制造企业，下设消费品和建筑建材两大业务板块，主营各类压力容器的设计与生产，覆盖丙烷、氧气、氦气储罐，制冷剂及工业气瓶，露营与民用气瓶，以及用于存储、处理、加热、扩容和流量控制的供水系统罐体等产品。
FICO vs WS — 直观对比
营收规模更大
WS
是对方的1.7倍
$512.0M
营收增速更快
WS
高出1.6%
16.4%
净利率更高
FICO
高出28.8%
2.2%
自由现金流更多
FICO
多$99.3M
$74.6M
两年增速更快
FICO
近两年复合增速
3.9%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $871.9M |
| 净利润 | $158.4M | $18.8M |
| 毛利率 | 83.0% | 10.7% |
| 营业利润率 | 45.7% | 2.5% |
| 净利率 | 30.9% | 2.2% |
| 营收同比 | 16.4% | 18.0% |
| 净利润同比 | 3.8% | 46.9% |
| 每股收益（稀释后） | $6.61 | $0.37 |
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FICOWS
| Q4 25 | $512.0M | $871.9M | ||
| Q3 25 | $515.8M | $872.9M | ||
| Q2 25 | $536.4M | $832.9M | ||
| Q1 25 | $498.7M | $687.4M | ||
| Q4 24 | $440.0M | $739.0M | ||
| Q3 24 | $453.8M | $834.0M | ||
| Q2 24 | $447.8M | — | ||
| Q1 24 | $433.8M | $805.8M |
净利润FICOWS
| Q4 25 | $158.4M | $18.8M | ||
| Q3 25 | $155.0M | $36.8M | ||
| Q2 25 | $181.8M | $55.7M | ||
| Q1 25 | $162.6M | $13.8M | ||
| Q4 24 | $152.5M | $12.8M | ||
| Q3 24 | $135.7M | $28.4M | ||
| Q2 24 | $126.3M | — | ||
| Q1 24 | $129.8M | $49.0M |
毛利率FICOWS
| Q4 25 | 83.0% | 10.7% | ||
| Q3 25 | 82.3% | 13.2% | ||
| Q2 25 | 83.7% | 15.2% | ||
| Q1 25 | 82.4% | 11.8% | ||
| Q4 24 | 80.1% | 10.8% | ||
| Q3 24 | 80.3% | 12.0% | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | 14.9% |
营业利润率FICOWS
| Q4 25 | 45.7% | 2.5% | ||
| Q3 25 | 46.0% | 5.5% | ||
| Q2 25 | 48.9% | 8.0% | ||
| Q1 25 | 49.3% | 2.7% | ||
| Q4 24 | 40.8% | 2.6% | ||
| Q3 24 | 43.4% | 5.2% | ||
| Q2 24 | 42.5% | — | ||
| Q1 24 | 44.9% | 8.2% |
净利率FICOWS
| Q4 25 | 30.9% | 2.2% | ||
| Q3 25 | 30.1% | 4.2% | ||
| Q2 25 | 33.9% | 6.7% | ||
| Q1 25 | 32.6% | 2.0% | ||
| Q4 24 | 34.7% | 1.7% | ||
| Q3 24 | 29.9% | 3.4% | ||
| Q2 24 | 28.2% | — | ||
| Q1 24 | 29.9% | 6.1% |
每股收益（稀释后）FICOWS
| Q4 25 | $6.61 | $0.37 | ||
| Q3 25 | $6.41 | $0.72 | ||
| Q2 25 | $7.40 | $1.11 | ||
| Q1 25 | $6.59 | $0.27 | ||
| Q4 24 | $6.14 | $0.25 | ||
| Q3 24 | $5.44 | $0.56 | ||
| Q2 24 | $5.05 | — | ||
| Q1 24 | $5.16 | $0.98 |
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 | $89.8M |
| 总债务越低越好 | $3.2B | $72.1M |
| 股东权益账面价值 | $-1.8B | $1.1B |
| 总资产 | $1.9B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资FICOWS
| Q4 25 | $162.0M | $89.8M | ||
| Q3 25 | $134.1M | $78.3M | ||
| Q2 25 | $189.0M | $38.0M | ||
| Q1 25 | $146.6M | $63.3M | ||
| Q4 24 | $184.3M | $52.0M | ||
| Q3 24 | $150.7M | $36.0M | ||
| Q2 24 | $156.0M | — | ||
| Q1 24 | $135.7M | $60.8M |
总债务FICOWS
| Q4 25 | $3.2B | $72.1M | ||
| Q3 25 | $3.1B | $73.4M | ||
| Q2 25 | $2.8B | $151.5M | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $115.0M | ||
| Q3 24 | $2.2B | $122.2M | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | $147.2M |
股东权益FICOWS
| Q4 25 | $-1.8B | $1.1B | ||
| Q3 25 | $-1.7B | $1.1B | ||
| Q2 25 | $-1.4B | $1.1B | ||
| Q1 25 | $-1.1B | $1.0B | ||
| Q4 24 | $-1.1B | $1.0B | ||
| Q3 24 | $-962.7M | $1.0B | ||
| Q2 24 | $-829.3M | — | ||
| Q1 24 | $-735.7M | $937.6M |
总资产FICOWS
| Q4 25 | $1.9B | $2.1B | ||
| Q3 25 | $1.9B | $2.2B | ||
| Q2 25 | $1.9B | $2.0B | ||
| Q1 25 | $1.8B | $1.8B | ||
| Q4 24 | $1.7B | $1.7B | ||
| Q3 24 | $1.7B | $1.8B | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.7B | $1.8B |
负债/权益比FICOWS
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.07× | ||
| Q2 25 | — | 0.14× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | 0.12× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.16× |
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 | $99.3M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $74.6M |
| 自由现金流率自由现金流/营收 | 34.0% | 8.6% |
| 资本支出强度资本支出/营收 | 0.0% | 2.8% |
| 现金转化率经营现金流/净利润 | 1.10× | 5.28× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $72.5M |
8季度趋势，按日历期对齐
经营现金流FICOWS
| Q4 25 | $174.1M | $99.3M | ||
| Q3 25 | $223.7M | $-6.3M | ||
| Q2 25 | $286.2M | $53.9M | ||
| Q1 25 | $74.9M | $53.8M | ||
| Q4 24 | $194.0M | $68.0M | ||
| Q3 24 | $226.5M | $54.6M | ||
| Q2 24 | $213.3M | — | ||
| Q1 24 | $71.0M | $44.7M |
自由现金流FICOWS
| Q4 25 | $173.9M | $74.6M | ||
| Q3 25 | $219.5M | $-35.7M | ||
| Q2 25 | $284.4M | $8.4M | ||
| Q1 25 | $72.8M | $25.2M | ||
| Q4 24 | $193.2M | $33.2M | ||
| Q3 24 | $224.7M | $33.1M | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | $22.3M |
自由现金流率FICOWS
| Q4 25 | 34.0% | 8.6% | ||
| Q3 25 | 42.6% | -4.1% | ||
| Q2 25 | 53.0% | 1.0% | ||
| Q1 25 | 14.6% | 3.7% | ||
| Q4 24 | 43.9% | 4.5% | ||
| Q3 24 | 49.5% | 4.0% | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | 2.8% |
资本支出强度FICOWS
| Q4 25 | 0.0% | 2.8% | ||
| Q3 25 | 0.8% | 3.4% | ||
| Q2 25 | 0.3% | 5.5% | ||
| Q1 25 | 0.4% | 4.2% | ||
| Q4 24 | 0.2% | 4.7% | ||
| Q3 24 | 0.4% | 2.6% | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | 2.8% |
现金转化率FICOWS
| Q4 25 | 1.10× | 5.28× | ||
| Q3 25 | 1.44× | -0.17× | ||
| Q2 25 | 1.57× | 0.97× | ||
| Q1 25 | 0.46× | 3.90× | ||
| Q4 24 | 1.27× | 5.31× | ||
| Q3 24 | 1.67× | 1.92× | ||
| Q2 24 | 1.69× | — | ||
| Q1 24 | 0.55× | 0.91× |
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% |
WS
| Direct | $844.1M | 97% |
| Toll | $27.8M | 3% |
