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Fair Isaac（FICO）与WillScot Holdings Corp（WSC）财务数据对比。点击上方公司名可切换其他公司
WillScot Holdings Corp的季度营收约是Fair Isaac的1.1倍（$566.0M vs $512.0M），Fair Isaac净利率更高（30.9% vs -33.1%，领先64.0%），Fair Isaac同比增速更快（16.4% vs -6.1%），Fair Isaac自由现金流更多（$173.9M vs $149.7M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -1.8%）
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。
WillScot Holdings Corp是北美领先的模块化空间及便携式存储服务供应商，服务覆盖建筑、商业开发、教育、医疗、政府项目、特殊活动等多个领域，为客户提供灵活可扩展的临时及半永久空间解决方案。
FICO vs WSC — 直观对比
营收规模更大
WSC
是对方的1.1倍
$512.0M
营收增速更快
FICO
高出22.4%
-6.1%
净利率更高
FICO
高出64.0%
-33.1%
自由现金流更多
FICO
多$24.1M
$149.7M
两年增速更快
FICO
近两年复合增速
-1.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $566.0M |
| 净利润 | $158.4M | $-187.3M |
| 毛利率 | 83.0% | 50.4% |
| 营业利润率 | 45.7% | -32.5% |
| 净利率 | 30.9% | -33.1% |
| 营收同比 | 16.4% | -6.1% |
| 净利润同比 | 3.8% | -310.0% |
| 每股收益（稀释后） | $6.61 | $-1.02 |
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FICOWSC
| Q4 25 | $512.0M | $566.0M | ||
| Q3 25 | $515.8M | $566.8M | ||
| Q2 25 | $536.4M | $589.1M | ||
| Q1 25 | $498.7M | $559.6M | ||
| Q4 24 | $440.0M | $602.5M | ||
| Q3 24 | $453.8M | $601.4M | ||
| Q2 24 | $447.8M | $604.6M | ||
| Q1 24 | $433.8M | $587.2M |
净利润FICOWSC
| Q4 25 | $158.4M | $-187.3M | ||
| Q3 25 | $155.0M | $43.3M | ||
| Q2 25 | $181.8M | $47.9M | ||
| Q1 25 | $162.6M | $43.1M | ||
| Q4 24 | $152.5M | $89.2M | ||
| Q3 24 | $135.7M | $-70.5M | ||
| Q2 24 | $126.3M | $-46.9M | ||
| Q1 24 | $129.8M | $56.2M |
毛利率FICOWSC
| Q4 25 | 83.0% | 50.4% | ||
| Q3 25 | 82.3% | 49.7% | ||
| Q2 25 | 83.7% | 50.3% | ||
| Q1 25 | 82.4% | 53.7% | ||
| Q4 24 | 80.1% | 55.8% | ||
| Q3 24 | 80.3% | 53.5% | ||
| Q2 24 | 80.3% | 54.1% | ||
| Q1 24 | 80.0% | 54.0% |
营业利润率FICOWSC
| Q4 25 | 45.7% | -32.5% | ||
| Q3 25 | 46.0% | 21.0% | ||
| Q2 25 | 48.9% | 21.5% | ||
| Q1 25 | 49.3% | 21.3% | ||
| Q4 24 | 40.8% | 28.9% | ||
| Q3 24 | 43.4% | -5.9% | ||
| Q2 24 | 42.5% | -0.9% | ||
| Q1 24 | 44.9% | 22.1% |
净利率FICOWSC
| Q4 25 | 30.9% | -33.1% | ||
| Q3 25 | 30.1% | 7.6% | ||
| Q2 25 | 33.9% | 8.1% | ||
| Q1 25 | 32.6% | 7.7% | ||
| Q4 24 | 34.7% | 14.8% | ||
| Q3 24 | 29.9% | -11.7% | ||
| Q2 24 | 28.2% | -7.7% | ||
| Q1 24 | 29.9% | 9.6% |
每股收益（稀释后）FICOWSC
| Q4 25 | $6.61 | $-1.02 | ||
| Q3 25 | $6.41 | $0.24 | ||
| Q2 25 | $7.40 | $0.26 | ||
| Q1 25 | $6.59 | $0.23 | ||
| Q4 24 | $6.14 | $0.48 | ||
| Q3 24 | $5.44 | $-0.37 | ||
| Q2 24 | $5.05 | $-0.25 | ||
| Q1 24 | $5.16 | $0.29 |
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 | $14.6M |
| 总债务越低越好 | $3.2B | $3.6B |
| 股东权益账面价值 | $-1.8B | $856.3M |
| 总资产 | $1.9B | $5.8B |
| 负债/权益比越低杠杆越低 | — | 4.15× |
8季度趋势，按日历期对齐
现金及短期投资FICOWSC
| Q4 25 | $162.0M | $14.6M | ||
| Q3 25 | $134.1M | $14.8M | ||
| Q2 25 | $189.0M | $12.8M | ||
| Q1 25 | $146.6M | $10.7M | ||
| Q4 24 | $184.3M | $9.0M | ||
| Q3 24 | $150.7M | $11.0M | ||
| Q2 24 | $156.0M | $5.9M | ||
| Q1 24 | $135.7M | $13.1M |
总债务FICOWSC
| Q4 25 | $3.2B | $3.6B | ||
| Q3 25 | $3.1B | $3.6B | ||
| Q2 25 | $2.8B | $3.7B | ||
| Q1 25 | $2.5B | $3.6B | ||
| Q4 24 | $2.4B | $3.7B | ||
| Q3 24 | $2.2B | $3.6B | ||
| Q2 24 | $2.1B | $3.5B | ||
| Q1 24 | $2.0B | $3.5B |
股东权益FICOWSC
| Q4 25 | $-1.8B | $856.3M | ||
| Q3 25 | $-1.7B | $1.1B | ||
| Q2 25 | $-1.4B | $1.0B | ||
| Q1 25 | $-1.1B | $1.0B | ||
| Q4 24 | $-1.1B | $1.0B | ||
| Q3 24 | $-962.7M | $1.1B | ||
| Q2 24 | $-829.3M | $1.2B | ||
| Q1 24 | $-735.7M | $1.3B |
总资产FICOWSC
| Q4 25 | $1.9B | $5.8B | ||
| Q3 25 | $1.9B | $6.1B | ||
| Q2 25 | $1.9B | $6.1B | ||
| Q1 25 | $1.8B | $6.0B | ||
| Q4 24 | $1.7B | $6.0B | ||
| Q3 24 | $1.7B | $6.0B | ||
| Q2 24 | $1.7B | $6.0B | ||
| Q1 24 | $1.7B | $6.2B |
负债/权益比FICOWSC
| Q4 25 | — | 4.15× | ||
| Q3 25 | — | 3.39× | ||
| Q2 25 | — | 3.55× | ||
| Q1 25 | — | 3.56× | ||
| Q4 24 | — | 3.62× | ||
| Q3 24 | — | 3.42× | ||
| Q2 24 | — | 2.88× | ||
| Q1 24 | — | 2.63× |
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 | $158.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $149.7M |
| 自由现金流率自由现金流/营收 | 34.0% | 26.5% |
| 资本支出强度资本支出/营收 | 0.0% | 1.6% |
| 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 | $737.7M |
8季度趋势，按日历期对齐
经营现金流FICOWSC
| Q4 25 | $174.1M | $158.9M | ||
| Q3 25 | $223.7M | $191.2M | ||
| Q2 25 | $286.2M | $205.3M | ||
| Q1 25 | $74.9M | $206.6M | ||
| Q4 24 | $194.0M | $178.9M | ||
| Q3 24 | $226.5M | $-1.6M | ||
| Q2 24 | $213.3M | $175.6M | ||
| Q1 24 | $71.0M | $208.7M |
自由现金流FICOWSC
| Q4 25 | $173.9M | $149.7M | ||
| Q3 25 | $219.5M | $186.9M | ||
| Q2 25 | $284.4M | $199.0M | ||
| Q1 25 | $72.8M | $202.0M | ||
| Q4 24 | $193.2M | $176.6M | ||
| Q3 24 | $224.7M | $-4.9M | ||
| Q2 24 | $211.6M | $169.4M | ||
| Q1 24 | $67.0M | $202.1M |
自由现金流率FICOWSC
| Q4 25 | 34.0% | 26.5% | ||
| Q3 25 | 42.6% | 33.0% | ||
| Q2 25 | 53.0% | 33.8% | ||
| Q1 25 | 14.6% | 36.1% | ||
| Q4 24 | 43.9% | 29.3% | ||
| Q3 24 | 49.5% | -0.8% | ||
| Q2 24 | 47.2% | 28.0% | ||
| Q1 24 | 15.4% | 34.4% |
资本支出强度FICOWSC
| Q4 25 | 0.0% | 1.6% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.3% | 1.1% | ||
| Q1 25 | 0.4% | 0.8% | ||
| Q4 24 | 0.2% | 0.4% | ||
| Q3 24 | 0.4% | 0.6% | ||
| Q2 24 | 0.4% | 1.0% | ||
| Q1 24 | 0.9% | 1.1% |
现金转化率FICOWSC
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 4.41× | ||
| Q2 25 | 1.57× | 4.28× | ||
| Q1 25 | 0.46× | 4.80× | ||
| Q4 24 | 1.27× | 2.01× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | — | ||
| Q1 24 | 0.55× | 3.71× |
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% |
WSC
| Modular Space Leasing | $249.8M | 44% |
| Value Added Product And Services | $101.0M | 18% |
| Portable Storage Leasing | $83.0M | 15% |
| Delivery Revenue | $48.2M | 9% |
| Installation Revenue | $45.0M | 8% |
| Rental Units | $19.7M | 3% |
| New Units | $15.5M | 3% |
| Value Added Services | $10.3M | 2% |
| Other Leasing Related Products And Services | $3.8M | 1% |
