vs
Fair Isaac（FICO）与WINTRUST FINANCIAL CORP（WTFC）财务数据对比。点击上方公司名可切换其他公司
WINTRUST FINANCIAL CORP的季度营收约是Fair Isaac的1.4倍（$713.2M vs $512.0M），WINTRUST FINANCIAL CORP净利率更高（31.9% vs 30.9%，领先0.9%），Fair Isaac同比增速更快（16.4% vs 10.9%），过去两年WINTRUST FINANCIAL CORP的营收复合增速更高（9.8% 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。
Wintrust Financial是美国本土金融控股公司，在伊利诺伊州北部及威斯康星州南部运营15家特许社区银行，属于美国中型银行机构，是芝加哥第二大银行企业，于纳斯达克全球精选市场上市，股票代码为WTFC。
FICO vs WTFC — 直观对比
营收规模更大
WTFC
是对方的1.4倍
$512.0M
营收增速更快
FICO
高出5.5%
10.9%
净利率更高
WTFC
高出0.9%
30.9%
两年增速更快
WTFC
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $713.2M |
| 净利润 | $158.4M | $227.4M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 31.9% |
| 营收同比 | 16.4% | 10.9% |
| 净利润同比 | 3.8% | 2.0% |
| 每股收益（稀释后） | $6.61 | $3.22 |
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FICOWTFC
| Q1 26 | — | $713.2M | ||
| Q4 25 | $512.0M | $714.3M | ||
| Q3 25 | $515.8M | $697.8M | ||
| Q2 25 | $536.4M | $670.8M | ||
| Q1 25 | $498.7M | $643.1M | ||
| Q4 24 | $440.0M | $638.6M | ||
| Q3 24 | $453.8M | $615.7M | ||
| Q2 24 | $447.8M | $591.8M |
净利润FICOWTFC
| Q1 26 | — | $227.4M | ||
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | $216.3M | ||
| Q2 25 | $181.8M | $195.5M | ||
| Q1 25 | $162.6M | $189.0M | ||
| Q4 24 | $152.5M | — | ||
| Q3 24 | $135.7M | $170.0M | ||
| Q2 24 | $126.3M | $152.4M |
毛利率FICOWTFC
| 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FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | 45.7% | 42.3% | ||
| Q3 25 | 46.0% | 42.4% | ||
| Q2 25 | 48.9% | 39.8% | ||
| Q1 25 | 49.3% | 39.3% | ||
| Q4 24 | 40.8% | 39.6% | ||
| Q3 24 | 43.4% | 37.8% | ||
| Q2 24 | 42.5% | 35.7% |
净利率FICOWTFC
| Q1 26 | — | 31.9% | ||
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | 31.0% | ||
| Q2 25 | 33.9% | 29.1% | ||
| Q1 25 | 32.6% | 29.4% | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 29.9% | 27.6% | ||
| Q2 24 | 28.2% | 25.8% |
每股收益（稀释后）FICOWTFC
| Q1 26 | — | $3.22 | ||
| Q4 25 | $6.61 | $3.15 | ||
| Q3 25 | $6.41 | $2.78 | ||
| Q2 25 | $7.40 | $2.78 | ||
| Q1 25 | $6.59 | $2.69 | ||
| Q4 24 | $6.14 | $2.63 | ||
| Q3 24 | $5.44 | $2.47 | ||
| Q2 24 | $5.05 | $2.32 |
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 | $7.4B |
| 总资产 | $1.9B | $72.2B |
| 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FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | — | ||
| Q2 25 | $189.0M | — | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | — | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — |
总债务FICOWTFC
| 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FICOWTFC
| Q1 26 | — | $7.4B | ||
| Q4 25 | $-1.8B | $7.3B | ||
| Q3 25 | $-1.7B | $7.0B | ||
| Q2 25 | $-1.4B | $7.2B | ||
| Q1 25 | $-1.1B | $6.6B | ||
| Q4 24 | $-1.1B | $6.3B | ||
| Q3 24 | $-962.7M | $6.4B | ||
| Q2 24 | $-829.3M | $5.5B |
总资产FICOWTFC
| Q1 26 | — | $72.2B | ||
| Q4 25 | $1.9B | $71.1B | ||
| Q3 25 | $1.9B | $69.6B | ||
| Q2 25 | $1.9B | $69.0B | ||
| Q1 25 | $1.8B | $65.9B | ||
| Q4 24 | $1.7B | $64.9B | ||
| Q3 24 | $1.7B | $63.8B | ||
| Q2 24 | $1.7B | $59.8B |
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 | — |
| 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FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | $174.1M | $910.3M | ||
| Q3 25 | $223.7M | $209.8M | ||
| Q2 25 | $286.2M | $329.2M | ||
| Q1 25 | $74.9M | $119.8M | ||
| Q4 24 | $194.0M | $721.6M | ||
| Q3 24 | $226.5M | $-61.6M | ||
| Q2 24 | $213.3M | $221.2M |
自由现金流FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $860.4M | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | $635.5M | ||
| Q3 24 | $224.7M | $-78.3M | ||
| Q2 24 | $211.6M | $182.1M |
自由现金流率FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 120.5% | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | 99.5% | ||
| Q3 24 | 49.5% | -12.7% | ||
| Q2 24 | 47.2% | 30.8% |
资本支出强度FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 7.0% | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | 13.5% | ||
| Q3 24 | 0.4% | 2.7% | ||
| Q2 24 | 0.4% | 6.6% |
现金转化率FICOWTFC
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 0.97× | ||
| Q2 25 | 1.57× | 1.68× | ||
| Q1 25 | 0.46× | 0.63× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | -0.36× | ||
| Q2 24 | 1.69× | 1.45× |
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% |
WTFC
暂无分部数据
