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Fair Isaac（FICO）与EXPRO GROUP HOLDINGS N.V.（XPRO）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EXPRO GROUP HOLDINGS N.V.的1.4倍（$512.0M vs $367.6M），Fair Isaac同比增速更快（16.4% vs -6.0%），Fair Isaac自由现金流更多（$173.9M vs $23.2M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -11.5%）
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。
Expro是一家能源服务提供商，总部位于美国得克萨斯州休斯敦，主要为油气等能源领域的客户提供相关技术服务与解决方案，业务覆盖全球多个主要能源产区，助力行业实现高效、安全的开发运营。
FICO vs XPRO — 直观对比
营收规模更大
FICO
是对方的1.4倍
$367.6M
营收增速更快
FICO
高出22.3%
-6.0%
自由现金流更多
FICO
多$150.7M
$23.2M
两年增速更快
FICO
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $367.6M |
| 净利润 | $158.4M | — |
| 毛利率 | 83.0% | 6.7% |
| 营业利润率 | 45.7% | 0.0% |
| 净利率 | 30.9% | — |
| 营收同比 | 16.4% | -6.0% |
| 净利润同比 | 3.8% | — |
| 每股收益（稀释后） | $6.61 | $0.05 |
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FICOXPRO
| Q1 26 | — | $367.6M | ||
| Q4 25 | $512.0M | $382.1M | ||
| Q3 25 | $515.8M | $411.4M | ||
| Q2 25 | $536.4M | $422.7M | ||
| Q1 25 | $498.7M | $390.9M | ||
| Q4 24 | $440.0M | $436.8M | ||
| Q3 24 | $453.8M | $422.8M | ||
| Q2 24 | $447.8M | $469.6M |
净利润FICOXPRO
| Q1 26 | — | — | ||
| Q4 25 | $158.4M | $5.8M | ||
| Q3 25 | $155.0M | $14.0M | ||
| Q2 25 | $181.8M | $18.0M | ||
| Q1 25 | $162.6M | $13.9M | ||
| Q4 24 | $152.5M | $23.0M | ||
| Q3 24 | $135.7M | $16.3M | ||
| Q2 24 | $126.3M | $15.3M |
毛利率FICOXPRO
| Q1 26 | — | 6.7% | ||
| 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FICOXPRO
| Q1 26 | — | 0.0% | ||
| Q4 25 | 45.7% | 3.1% | ||
| Q3 25 | 46.0% | 6.4% | ||
| Q2 25 | 48.9% | 7.7% | ||
| Q1 25 | 49.3% | 2.6% | ||
| Q4 24 | 40.8% | 7.3% | ||
| Q3 24 | 43.4% | 6.2% | ||
| Q2 24 | 42.5% | 5.9% |
净利率FICOXPRO
| Q1 26 | — | — | ||
| Q4 25 | 30.9% | 1.5% | ||
| Q3 25 | 30.1% | 3.4% | ||
| Q2 25 | 33.9% | 4.3% | ||
| Q1 25 | 32.6% | 3.6% | ||
| Q4 24 | 34.7% | 5.3% | ||
| Q3 24 | 29.9% | 3.8% | ||
| Q2 24 | 28.2% | 3.3% |
每股收益（稀释后）FICOXPRO
| Q1 26 | — | $0.05 | ||
| Q4 25 | $6.61 | $0.05 | ||
| Q3 25 | $6.41 | $0.12 | ||
| Q2 25 | $7.40 | $0.16 | ||
| Q1 25 | $6.59 | $0.12 | ||
| Q4 24 | $6.14 | $0.20 | ||
| Q3 24 | $5.44 | $0.14 | ||
| Q2 24 | $5.05 | $0.13 |
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 | $170.7M |
| 总债务越低越好 | $3.2B | $79.1M |
| 股东权益账面价值 | $-1.8B | $1.5B |
| 总资产 | $1.9B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资FICOXPRO
| Q1 26 | — | $170.7M | ||
| Q4 25 | $162.0M | $196.1M | ||
| Q3 25 | $134.1M | $197.9M | ||
| Q2 25 | $189.0M | $206.8M | ||
| Q1 25 | $146.6M | $179.3M | ||
| Q4 24 | $184.3M | $183.0M | ||
| Q3 24 | $150.7M | $165.7M | ||
| Q2 24 | $156.0M | $133.5M |
总债务FICOXPRO
| Q1 26 | — | $79.1M | ||
| Q4 25 | $3.2B | $79.1M | ||
| Q3 25 | $3.1B | $99.1M | ||
| Q2 25 | $2.8B | $121.1M | ||
| Q1 25 | $2.5B | $121.1M | ||
| Q4 24 | $2.4B | $121.1M | ||
| Q3 24 | $2.2B | $121.1M | ||
| Q2 24 | $2.1B | $121.1M |
股东权益FICOXPRO
| Q1 26 | — | $1.5B | ||
| Q4 25 | $-1.8B | $1.5B | ||
| Q3 25 | $-1.7B | $1.5B | ||
| Q2 25 | $-1.4B | $1.5B | ||
| Q1 25 | $-1.1B | $1.5B | ||
| Q4 24 | $-1.1B | $1.5B | ||
| Q3 24 | $-962.7M | $1.5B | ||
| Q2 24 | $-829.3M | $1.5B |
总资产FICOXPRO
| Q1 26 | — | $2.2B | ||
| Q4 25 | $1.9B | $2.3B | ||
| Q3 25 | $1.9B | $2.3B | ||
| Q2 25 | $1.9B | $2.3B | ||
| Q1 25 | $1.8B | $2.3B | ||
| Q4 24 | $1.7B | $2.3B | ||
| Q3 24 | $1.7B | $2.3B | ||
| Q2 24 | $1.7B | $2.3B |
负债/权益比FICOXPRO
| Q1 26 | — | 0.05× | ||
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.07× | ||
| Q2 25 | — | 0.08× | ||
| Q1 25 | — | 0.08× | ||
| Q4 24 | — | 0.08× | ||
| Q3 24 | — | 0.08× | ||
| Q2 24 | — | 0.08× |
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 | $25.3M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $23.2M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.3% |
| 资本支出强度资本支出/营收 | 0.0% | 1.2% |
| 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 | $112.6M |
8季度趋势，按日历期对齐
经营现金流FICOXPRO
| Q1 26 | — | $25.3M | ||
| Q4 25 | $174.1M | $57.1M | ||
| Q3 25 | $223.7M | $63.2M | ||
| Q2 25 | $286.2M | $48.4M | ||
| Q1 25 | $74.9M | $41.5M | ||
| Q4 24 | $194.0M | $97.4M | ||
| Q3 24 | $226.5M | $55.3M | ||
| Q2 24 | $213.3M | $-13.2M |
自由现金流FICOXPRO
| Q1 26 | — | $23.2M | ||
| Q4 25 | $173.9M | $23.2M | ||
| Q3 25 | $219.5M | $39.0M | ||
| Q2 25 | $284.4M | $27.2M | ||
| Q1 25 | $72.8M | $8.4M | ||
| Q4 24 | $193.2M | $53.0M | ||
| Q3 24 | $224.7M | $23.3M | ||
| Q2 24 | $211.6M | $-49.5M |
自由现金流率FICOXPRO
| Q1 26 | — | 6.3% | ||
| Q4 25 | 34.0% | 6.1% | ||
| Q3 25 | 42.6% | 9.5% | ||
| Q2 25 | 53.0% | 6.4% | ||
| Q1 25 | 14.6% | 2.1% | ||
| Q4 24 | 43.9% | 12.1% | ||
| Q3 24 | 49.5% | 5.5% | ||
| Q2 24 | 47.2% | -10.5% |
资本支出强度FICOXPRO
| Q1 26 | — | 1.2% | ||
| Q4 25 | 0.0% | 8.9% | ||
| Q3 25 | 0.8% | 5.9% | ||
| Q2 25 | 0.3% | 5.0% | ||
| Q1 25 | 0.4% | 8.5% | ||
| Q4 24 | 0.2% | 10.2% | ||
| Q3 24 | 0.4% | 7.6% | ||
| Q2 24 | 0.4% | 7.7% |
现金转化率FICOXPRO
| Q1 26 | — | — | ||
| Q4 25 | 1.10× | 9.89× | ||
| Q3 25 | 1.44× | 4.52× | ||
| Q2 25 | 1.57× | 2.69× | ||
| Q1 25 | 0.46× | 2.98× | ||
| Q4 24 | 1.27× | 4.23× | ||
| Q3 24 | 1.67× | 3.40× | ||
| Q2 24 | 1.69× | -0.86× |
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% |
XPRO
暂无分部数据
