Fair Isaac Corporation (FICO)财务
NYSE · Technology · Software - Application · 员工3,876人 · CEO William J. Lansing
- 股价
- $711.23 +0.29%
- 市值
- $154亿
- 企业价值
- $207亿
- 最近财报
- Q3 '26 2026-07-29提交
- 下次财报
- 2026-11-04 EPS预期 $10.75
营收(TTM)$23.9亿+24.1% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)51.7%+5.8 百分点 对比去年同期营业利润 $12.4亿
净利润(TTM)$8.15亿+28.8% 对比去年同期税后,含营业外收益
自由现金流(TTM)$9.96亿+33.2% 对比去年同期资本支出 $553万
稀释EPS(TTM)$34.62+35.4% 对比去年同期最近4个季度之和
净现金-$53.5亿-104.8% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $154亿 EV $207亿
- 营收
- $23.9亿 过去12个月
- 营收增速
- +27% FY2026年一致预期
- 净利润率
- 34.1% 净利润 / 营收,TTM
- P/E
- 20.4× 预期 16.7×(FY2026)
- P/S
- 6.4× 股价 / 营收,TTM
- EV / EBITDA
- 16.3× TTM
- 自由现金流
- $9.96亿 过去12个月
- 净利润
- $8.15亿 过去12个月
- 营收预期
- $25.3亿 FY2026年一致预期
- 盈利
- 2026-11-04 营收预期 $6.54亿
- 股息
- – 无股息
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 最近财报(2026-07-29):营收低于预期0.7%,EPS 超预期3.6%营收$6.74亿,预期$6.79亿(-0.7%);EPS $12.18,预期$11.76(+3.6%)。
- 营收增长加速:同比25.7%Q3 '26营收$6.74亿,此前四个季度的平均值为22.1%。
- 营业利润率51.7%(TTM),较去年同期+5.8 百分点营收增长24.1%,营业利润增长39.7%。
- 税前利润的16.1%被营业外亏损吞噬税前利润$10.7亿,营业利润$12.4亿(TTM)。股权投资亏损等一次性项目压低了净利润和EPS,营业利润更能反映业务本身。
- 资本支出占营收的0.2%(去年为1.7%)最近4个季度投入$553万(同比-83.6%)。自由现金流$9.96亿,相当于净利润的122.2%。
- 股东回报$35.9亿 = 自由现金流的360.8%回购$35.9亿(去年为$11.9亿),股息$0,股权激励$1.74亿(TTM)。 超过自由现金流:由现金储备或举债支付。
- 稀释股数一年内减少7.6%Q3 '26稀释股数2270万,一年前为2460万。
- 净债务 $53.5亿现金 + 短期投资 $2.48亿,含租赁债务 $56亿;一年前净债务 $26.1亿。
- Scores:营收+41.5%,利润率90.8%(此前为87.8%)Q3 '26增长最快的披露分部:营收$4.59亿,营业利润$4.17亿(来自财报的分部附注)。
上一季度:Q3 '26
截至2026-06-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $6.74亿 | $5.36亿 | +25.7% |
| 毛利率 | 87.1% | 83.7% | +3.4 百分点 |
| 营业利润 | $3.63亿 | $2.63亿 | +38.1% |
| 营业利润率 | 53.8% | 48.9% | +4.8 百分点 |
| 净利润 | $2.37亿 | $1.82亿 | +30.5% |
| 稀释EPS | $10.45 | $7.40 | +41.2% |
| 经营现金流 | $3.8亿 | $2.86亿 | +32.9% |
| 资本支出 | $86.3万 | $998万 | -91.4% |
| 自由现金流 | $3.8亿 | $2.76亿 | +37.4% |
| R&D | $5370万 | $4720万 | +13.8% |
| 股权激励费用 | $5230万 | $4190万 | +24.8% |
实际 vs 一致预期
2026-07-29| 实际 | 一致预期 | 对比预期 | |
|---|---|---|---|
| 营收 | $6.74亿 | $6.79亿 | -0.7% |
| EPS(一致预期口径) | $12.18 | $11.76 | +3.6% |
来自2026-07-29发布的Q3 '26财报：营收及分析师预期口径的EPS（通常为调整后），可能与上方报表中的EPS不同。
EPS与一致预期
最近8次财报营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q3 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Scores | $4.59亿 | +41.5% | 68.1% | $15.5亿 | +40.1% | |
| Applications | $2.15亿 | – | 31.9% | $8.44亿 | – |
按地区划分的营收
占总额比例| 分部 | Q3 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Americas | $6.12亿 | +30.2% | 49.9% | $21.4亿 | +28.6% | |
| United States | $5.52亿 | – | 45.0% | – | – | |
| EMEA | $4140万 | +0.1% | 3.4% | $1.66亿 | +0.4% | |
| Asia Pacific | $2080万 | -16.2% | 1.7% | $8660万 | -11.8% |
分部利润
取自每份10-Q / 10-K分部附注的各披露分部营业利润(多数数据源缺少的利润拆分)。
Q3 '26分部
| 分部 | 营收 | 同比 | 营业利润 | 同比 | 利润率 | 去年同期利润率 | TTM营业利润 |
|---|---|---|---|---|---|---|---|
| Scores | $4.59亿 | +41.5% | $4.17亿 | +46.4% | 90.8% | 87.8% | $13.9亿 |
| Software | $2.15亿 | +1.5% | $5500万 | -19.0% | 25.6% | 32.0% | $2.32亿 |
| Corporate (unallocated) | – | – | – | – | – | – | – |
各分部营业利润
季度各分部营业利润率
季度第四季度为推算值:10-K披露全年数据,减去10-Q的前三个季度。
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 经营现金流
- $10亿
- 资本支出
- -$553万
- 股票回购
- -$35.9亿
- 股息
- $0
- 收购
- $0
- 债务净发行
- $28.1亿
- 股权激励费用
- $1.74亿
- 自由现金流
- $9.96亿
- 股东回报 / FCF
- 360.8%
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 20.4× | 51.5× | 28.7× – 93.5× |
| EV / EBITDA | 16.3× | 37.6× | 22.3× – 65.7× |
| EV / 营收 | 8.7× | 16.6× | 9.1× – 29.1× |
| 股价 / FCF | 15.4× | 44.3× | 21.3× – 79.0× |
| 股价 / 净资产 | -3.9× | – | – |
| FCF收益率 | 6.5% | 2.8% | 1.3% – 4.7% |
| 投入资本回报率 | 59.4% | 41.0% | 32.7% – 53.0% |
| 净资产收益率 | -33.4% | -110.6% | -353.4% – -37.3% |
分析师
一致目标价 $1,025.46 (+44.2%)
区间 $700.00 – $1,675.00 · 评级 Buy
强烈买入0
买入15
持有6
卖出0
强烈卖出0
展望
分析师对未来财年的一致预期,以及按当前股价意味着什么。
一致预期
| 财年 | 营收 | 增速 | EPS | 增速 | 按当前股价的P/E | 分析师(EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $25.3亿 | +27.1% | $42.69 | +60.9% | 16.7× | 13 |
| FY2027 | $26.9亿 | +6.3% | $46.77 | +9.6% | 15.2× | 13 |
| FY2028 | $28.8亿 | +7.2% | $52.51 | +12.3% | 13.5× | 10 |
| FY2029 | $30.7亿 | +6.5% | $50.64 | -3.6% | 14.0× | 3 |
| FY2030 | $30.6亿 | -0.3% | $62.78 | +24.0% | 11.3× | 1 |
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
Fair Isaac Corporation在近期10-Q / 10-K文件中标记的全部248项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| Accelerated Share Repurchases, Settlement (Payment) or Receipt | -$15亿2026-06-05 | – | – | – | – | – |
| Accounts Payable, Current | $2690万 | $2930万 | -8.4% | $3230万 | $2250万 | +43.8% |
| Accounts Receivable, after Allowance for Credit Loss | $6.17亿 | $4.99亿 | +23.5% | $5.66亿 | $4.69亿 | +20.7% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $5.93亿 | $4.54亿 | +30.5% | $5.29亿 | $4.27亿 | +24.0% |
| Accounts Receivable, after Allowance for Credit Loss, Noncurrent | $2430万 | $4530万 | -46.4% | $3720万 | $4260万 | -12.7% |
| Accounts Receivable, Allowance for Credit Loss | $768万 | $804万 | -4.5% | $796万 | $645万 | +23.4% |
| Accounts Receivable, before Allowance for Credit Loss | $6.24亿 | $5.07亿 | +23.1% | $5.74亿 | $4.76亿 | +20.7% |
| Accounts Receivable, Credit Loss Expense (Reversal) | $6000 | $49.5万 | -98.8% | $149万 | $168万 | -11.3% |
| Accrued Liabilities, Current | $1.02亿 | $7430万 | +37.3% | $1.15亿 | $7980万 | +43.6% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $4960万 | $6560万 | -24.3% | $4560万 | $7750万 | -41.2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$9610万 | -$8830万 | -8.8% | -$9210万 | -$9160万 | -0.5% |
| Additional Paid in Capital, Common Stock | $10.6亿 | $12.9亿 | -17.8% | $13.3亿 | $13.7亿 | -2.6% |
| Amortization of Intangible Assets | $02025-09-30 | $9.2万 | -100.0% | $0 | $91.7万 | -100.0% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $5230万 | $4190万 | +24.8% | $1.57亿 | $1.49亿 | +4.8% |
| Assets | $20.4亿 | $18.6亿 | +9.4% | $18.7亿 | $17.2亿 | +8.7% |
| Assets, Current | $8.82亿 | $7.1亿 | +24.2% | $7.05亿 | $6.17亿 | +14.2% |
| Assets, Fair Value Disclosure | $6930万 | – | – | – | – | – |
| Billed Contracts Receivable | $3.65亿 | $2.55亿 | +43.3% | $3.28亿 | $2.65亿 | +23.7% |
| Capital Expenditures Incurred but Not yet Paid | $14.6万 | $259万 | -94.4% | $4.7万 | $6.2万 | -24.2% |
| Capitalized Contract Cost, Amortization | – | – | – | $990万 | $920万 | +7.6% |
| Capitalized Contract Cost, Impairment Loss | – | – | – | $0 | $0 | – |
| Capitalized Contract Cost, Net | $6320万2025-09-30 | $6050万 | +4.5% | $6320万 | $6050万 | +4.5% |
| Cash | $2.35亿 | $1.57亿 | +50.1% | $1.34亿 | $1.43亿 | -6.1% |
| Cash and Cash Equivalents, at Carrying Value | $2.48亿 | $1.89亿 | +31.4% | $1.34亿 | $1.51亿 | -11.0% |
| Cash and Cash Equivalents, Fair Value Disclosure | $1320万 | – | – | $1.34亿 | $1.51亿 | -11.0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $2.48亿 | $1.89亿 | +31.4% | $1.34亿 | $1.51亿 | -11.0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $2900万 | $4240万 | -31.6% | -$1650万 | $1390万 | -219.0% |
| Common Stock, Par or Stated Value Per Share | $0.01 | $0.01 | 0.0% | $0.01 | $0.01 | 0.0% |
| Common Stock, Shares Authorized | 2亿 | 2亿 | 0.0% | 2亿 | 2亿 | 0.0% |
| Common Stock, Shares, Issued | 8890万 | 8890万 | 0.0% | 8890万 | 8890万 | 0.0% |
| Common Stock, Shares, Outstanding | 2160万 | 2410万 | -10.4% | 2380万 | 2440万 | -2.6% |
| Common Stock, Value, Outstanding | $21.6万 | $24.1万 | -10.4% | $23.8万 | $24.4万 | -2.5% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $2.37亿 | $1.95亿 | +21.5% | $6.52亿 | $5.23亿 | +24.5% |
| Contract with Customer, Liability | $2.07亿 | $1.75亿 | +18.4% | $1.89亿 | $1.6亿 | +18.1% |
| Contract with Customer, Liability, Current | $2.05亿 | $1.72亿 | +19.6% | $1.87亿 | $1.57亿 | +19.4% |
| Contract with Customer, Liability, Noncurrent | $190万 | $340万 | -44.1% | $180万 | $330万 | -45.5% |
| Contract with Customer, Liability, Revenue Recognized | $3120万 | $2.56亿 | -87.8% | $1.52亿 | $1.34亿 | +13.7% |
| Cost of Revenue | $8700万 | $8760万 | -0.6% | $3.54亿 | $3.48亿 | +1.6% |
| Costs and Expenses | $3.12亿 | $2.74亿 | +13.8% | $10.7亿 | $9.84亿 | +8.3% |
| Current Federal Tax Expense (Benefit) | – | – | – | $1.23亿 | $1.1亿 | +11.7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $3600万 | $3590万 | +0.1% |
| Current Income Tax Expense (Benefit) | – | – | – | $1.83亿 | $1.57亿 | +17.0% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $2380万 | $1020万 | +133.5% |
| Debt Issuance Costs, Current, Net | $0 | $65.5万 | -100.0% | $45.9万 | $0 | – |
| Debt Issuance Costs, Noncurrent, Net | $2760万 | $1980万 | +39.5% | $1890万 | $973万 | +93.8% |
| Debt Securities, Trading, and Equity Securities, FV-NI | $5460万2025-09-30 | $4530万 | +20.6% | $5460万 | $4530万 | +20.6% |
| Debt Securities, Trading, and Equity Securities, FV-NI, Cost | $4060万2025-09-30 | $3600万 | +12.6% | $4060万 | $3600万 | +12.6% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | -$2690万 | -$2620万 | -2.8% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | -$221万 | $60.9万 | -462.4% |
| Deferred Income Tax Assets, Net | $9240万 | $1.06亿 | -12.8% | $1.19亿 | $8650万 | +37.0% |
| Deferred Income Tax Expense (Benefit) | $1100万 | -$665万 | +265.0% | -$3250万 | -$2730万 | -18.9% |
| Deferred Revenue, Current | $2.05亿 | $1.72亿 | +19.6% | $1.87亿 | $1.57亿 | +19.4% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | -$333万 | -$171万 | -94.5% |
| Deferred Tax Assets, in Process Research and Development | $1亿2025-09-30 | $6780万 | +48.0% | $1亿 | $6780万 | +48.0% |
| Deferred Tax Assets, Net | $1.19亿2025-09-30 | $8650万 | +37.0% | $1.19亿 | $8650万 | +37.0% |
| Deferred Tax Assets, Net of Valuation Allowance | $1.68亿2025-09-30 | $1.34亿 | +25.4% | $1.68亿 | $1.34亿 | +25.4% |
| Deferred Tax Assets, Other | $2150万2025-09-30 | $1820万 | +18.1% | $2150万 | $1820万 | +18.1% |
| Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Employee Compensation | $3160万2025-09-30 | $3210万 | -1.4% | $3160万 | $3210万 | -1.4% |
| Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Accrued Liabilities | $738万2025-09-30 | $788万 | -6.4% | $738万 | $788万 | -6.4% |
| Deferred Tax Liabilities, Deferred Expense, Other Capitalized Costs | $1510万2025-09-30 | $1450万 | +4.5% | $1510万 | $1450万 | +4.5% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标和预期均根据公司文件标准化。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-Q 2025-12-31, 10-K 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-Q 2024-12-31, 10-K 2024-09-30, 10-Q 2024-06-30
数据截至 2026-11-02