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Fair Isaac（FICO）与WSFS FINANCIAL CORP（WSFS）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WSFS FINANCIAL CORP的1.9倍（$512.0M vs $275.3M），WSFS FINANCIAL CORP净利率更高（31.5% vs 30.9%，领先0.6%），Fair Isaac同比增速更快（16.4% vs 7.5%），过去两年Fair Isaac的营收复合增速更高（8.6% vs 1.7%）
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。
WSFS金融集团是一家金融服务企业，核心子公司WSFS银行是总部位于特拉华州及大特拉华谷地区规模最大、经营历史最久的本地管理银行与财富管理机构。集团共运营115个网点，其中88个为银行网点，分布在宾夕法尼亚、特拉华、新泽西、佛罗里达、弗吉尼亚、内华达六州，提供全面金融服务。
FICO vs WSFS — 直观对比
营收规模更大
FICO
是对方的1.9倍
$275.3M
营收增速更快
FICO
高出8.9%
7.5%
净利率更高
WSFS
高出0.6%
30.9%
两年增速更快
FICO
近两年复合增速
1.7%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $275.3M |
| 净利润 | $158.4M | $86.8M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 31.5% |
| 营收同比 | 16.4% | 7.5% |
| 净利润同比 | 3.8% | 31.7% |
| 每股收益（稀释后） | $6.61 | $1.64 |
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FICOWSFS
| Q1 26 | — | $275.3M | ||
| Q4 25 | $512.0M | $271.9M | ||
| Q3 25 | $515.8M | $270.5M | ||
| Q2 25 | $536.4M | $267.5M | ||
| Q1 25 | $498.7M | $256.1M | ||
| Q4 24 | $440.0M | $261.5M | ||
| Q3 24 | $453.8M | $267.7M | ||
| Q2 24 | $447.8M | $266.0M |
净利润FICOWSFS
| Q1 26 | — | $86.8M | ||
| Q4 25 | $158.4M | $72.7M | ||
| Q3 25 | $155.0M | $76.4M | ||
| Q2 25 | $181.8M | $72.3M | ||
| Q1 25 | $162.6M | $65.9M | ||
| Q4 24 | $152.5M | $64.2M | ||
| Q3 24 | $135.7M | $64.4M | ||
| Q2 24 | $126.3M | $69.3M |
毛利率FICOWSFS
| 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FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 35.8% | ||
| Q3 25 | 46.0% | 37.3% | ||
| Q2 25 | 48.9% | 35.7% | ||
| Q1 25 | 49.3% | 34.0% | ||
| Q4 24 | 40.8% | 32.3% | ||
| Q3 24 | 43.4% | 31.9% | ||
| Q2 24 | 42.5% | 34.0% |
净利率FICOWSFS
| Q1 26 | — | 31.5% | ||
| Q4 25 | 30.9% | 26.7% | ||
| Q3 25 | 30.1% | 28.3% | ||
| Q2 25 | 33.9% | 27.0% | ||
| Q1 25 | 32.6% | 25.7% | ||
| Q4 24 | 34.7% | 24.6% | ||
| Q3 24 | 29.9% | 24.1% | ||
| Q2 24 | 28.2% | 26.0% |
每股收益（稀释后）FICOWSFS
| Q1 26 | — | $1.64 | ||
| Q4 25 | $6.61 | $1.33 | ||
| Q3 25 | $6.41 | $1.37 | ||
| Q2 25 | $7.40 | $1.27 | ||
| Q1 25 | $6.59 | $1.12 | ||
| Q4 24 | $6.14 | $1.08 | ||
| Q3 24 | $5.44 | $1.08 | ||
| Q2 24 | $5.05 | $1.16 |
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 | — |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $2.7B |
| 总资产 | $1.9B | $22.1B |
| 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FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | $162.0M | $1.7B | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | — | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $1.2B | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — |
总债务FICOWSFS
| Q1 26 | — | — | ||
| 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 | — |
股东权益FICOWSFS
| Q1 26 | — | $2.7B | ||
| Q4 25 | $-1.8B | $2.7B | ||
| Q3 25 | $-1.7B | $2.8B | ||
| Q2 25 | $-1.4B | $2.7B | ||
| Q1 25 | $-1.1B | $2.7B | ||
| Q4 24 | $-1.1B | $2.6B | ||
| Q3 24 | $-962.7M | $2.7B | ||
| Q2 24 | $-829.3M | $2.5B |
总资产FICOWSFS
| Q1 26 | — | $22.1B | ||
| Q4 25 | $1.9B | $21.3B | ||
| Q3 25 | $1.9B | $20.8B | ||
| Q2 25 | $1.9B | $20.8B | ||
| Q1 25 | $1.8B | $20.5B | ||
| Q4 24 | $1.7B | $20.8B | ||
| Q3 24 | $1.7B | $20.9B | ||
| Q2 24 | $1.7B | $20.7B |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $173.9M | — |
| 自由现金流率自由现金流/营收 | 34.0% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $220.0M | ||
| Q3 25 | $223.7M | $121.5M | ||
| Q2 25 | $286.2M | $37.2M | ||
| Q1 25 | $74.9M | $8.7M | ||
| Q4 24 | $194.0M | $219.9M | ||
| Q3 24 | $226.5M | $3.1M | ||
| Q2 24 | $213.3M | $44.8M |
自由现金流FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $213.6M | ||
| Q3 25 | $219.5M | $120.3M | ||
| Q2 25 | $284.4M | $35.2M | ||
| Q1 25 | $72.8M | $6.3M | ||
| Q4 24 | $193.2M | $205.6M | ||
| Q3 24 | $224.7M | $-489.0K | ||
| Q2 24 | $211.6M | $42.1M |
自由现金流率FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 78.6% | ||
| Q3 25 | 42.6% | 44.5% | ||
| Q2 25 | 53.0% | 13.2% | ||
| Q1 25 | 14.6% | 2.5% | ||
| Q4 24 | 43.9% | 78.6% | ||
| Q3 24 | 49.5% | -0.2% | ||
| Q2 24 | 47.2% | 15.8% |
资本支出强度FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 2.3% | ||
| Q3 25 | 0.8% | 0.5% | ||
| Q2 25 | 0.3% | 0.7% | ||
| Q1 25 | 0.4% | 0.9% | ||
| Q4 24 | 0.2% | 5.5% | ||
| Q3 24 | 0.4% | 1.4% | ||
| Q2 24 | 0.4% | 1.0% |
现金转化率FICOWSFS
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 3.03× | ||
| Q3 25 | 1.44× | 1.59× | ||
| Q2 25 | 1.57× | 0.51× | ||
| Q1 25 | 0.46× | 0.13× | ||
| Q4 24 | 1.27× | 3.43× | ||
| Q3 24 | 1.67× | 0.05× | ||
| Q2 24 | 1.69× | 0.65× |
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% |
WSFS
暂无分部数据
