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Fair Isaac（FICO）とInstalled Building Products, Inc.（IBP）の財務データ比較。上の社名をクリックして会社を切り替えられます
Installed Building Products, Inc.の直近四半期売上が大きい（$747.5M vs $512.0M、Fair Isaacの約1.5倍）。Fair Isaacの純利益率が高く（30.9% vs 10.2%、差は20.7%）。Fair Isaacの前年同期比売上増加率が高い（16.4% vs -0.4%）。Fair Isaacの直近四半期フリーキャッシュフローが多い（$173.9M vs $49.3M）。過去8四半期でFair Isaacの売上複合成長率が高い（8.6% vs 3.9%）
FICO（旧社名Fair, Isaac and Company）は米国モンタナ州ボーズマンに本社を置くデータ分析企業で、1956年にビル・フェアとアール・アイザックにより創業されました。消費者の信用リスクを測定するFICOスコアは、米国の消費者融資業界で広く活用されています。
Installed Building Products, Inc.は米国の大手建築製品取付サービス企業で、断熱材、雨どい、ガレージドア、防火システム、窓装飾品などの取付サービスを提供し、住宅新築、改修、商業建築の各分野で米国の広範な地域に事業を展開しています。
FICO vs IBP — 直接比較
売上が大きい
IBP
1.5倍大きい
$512.0M
売上成長率が高い
FICO
+16.7%の差
-0.4%
純利益率が高い
FICO
純利益率が20.7%高い
10.2%
フリーキャッシュフローが多い
FICO
FCF $124.6M多い
$49.3M
2年売上CAGRが高い
FICO
2年複合成長率
3.9%
損益計算書 — Q1 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $512.0M | $747.5M |
| 純利益 | $158.4M | $76.6M |
| 粗利率 | 83.0% | 35.0% |
| 営業利益率 | 45.7% | 14.6% |
| 純利益率 | 30.9% | 10.2% |
| 売上前年比 | 16.4% | -0.4% |
| 純利益前年比 | 3.8% | 14.5% |
| EPS（希薄化後） | $6.61 | $2.81 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
売上FICOIBP
| Q4 25 | $512.0M | $747.5M | ||
| Q3 25 | $515.8M | $778.2M | ||
| Q2 25 | $536.4M | $760.3M | ||
| Q1 25 | $498.7M | $684.8M | ||
| Q4 24 | $440.0M | $750.2M | ||
| Q3 24 | $453.8M | $760.6M | ||
| Q2 24 | $447.8M | $737.6M | ||
| Q1 24 | $433.8M | $692.9M |
純利益FICOIBP
| Q4 25 | $158.4M | $76.6M | ||
| Q3 25 | $155.0M | $74.4M | ||
| Q2 25 | $181.8M | $69.0M | ||
| Q1 25 | $162.6M | $45.4M | ||
| Q4 24 | $152.5M | $66.9M | ||
| Q3 24 | $135.7M | $68.6M | ||
| Q2 24 | $126.3M | $65.2M | ||
| Q1 24 | $129.8M | $55.9M |
粗利率FICOIBP
| Q4 25 | 83.0% | 35.0% | ||
| Q3 25 | 82.3% | 34.0% | ||
| Q2 25 | 83.7% | 34.2% | ||
| Q1 25 | 82.4% | 32.7% | ||
| Q4 24 | 80.1% | 33.6% | ||
| Q3 24 | 80.3% | 33.8% | ||
| Q2 24 | 80.3% | 34.1% | ||
| Q1 24 | 80.0% | 33.8% |
営業利益率FICOIBP
| Q4 25 | 45.7% | 14.6% | ||
| Q3 25 | 46.0% | 13.7% | ||
| Q2 25 | 48.9% | 13.3% | ||
| Q1 25 | 49.3% | 10.2% | ||
| Q4 24 | 40.8% | 13.1% | ||
| Q3 24 | 43.4% | 13.3% | ||
| Q2 24 | 42.5% | 12.9% | ||
| Q1 24 | 44.9% | 12.7% |
純利益率FICOIBP
| Q4 25 | 30.9% | 10.2% | ||
| Q3 25 | 30.1% | 9.6% | ||
| Q2 25 | 33.9% | 9.1% | ||
| Q1 25 | 32.6% | 6.6% | ||
| Q4 24 | 34.7% | 8.9% | ||
| Q3 24 | 29.9% | 9.0% | ||
| Q2 24 | 28.2% | 8.8% | ||
| Q1 24 | 29.9% | 8.1% |
EPS（希薄化後）FICOIBP
| Q4 25 | $6.61 | $2.81 | ||
| Q3 25 | $6.41 | $2.74 | ||
| Q2 25 | $7.40 | $2.52 | ||
| Q1 25 | $6.59 | $1.64 | ||
| Q4 24 | $6.14 | $2.39 | ||
| Q3 24 | $5.44 | $2.44 | ||
| Q2 24 | $5.05 | $2.30 | ||
| Q1 24 | $5.16 | $1.97 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $162.0M | $321.9M |
| 総負債低いほど良い | $3.2B | $886.6M |
| 株主資本純資産 | $-1.8B | $709.9M |
| 総資産 | $1.9B | $2.1B |
| 負債/資本比率低いほどレバレッジが低い | — | 1.25× |
8四半期トレンド — 暦四半期で整列
現金・短期投資FICOIBP
| Q4 25 | $162.0M | $321.9M | ||
| Q3 25 | $134.1M | $333.3M | ||
| Q2 25 | $189.0M | $305.2M | ||
| Q1 25 | $146.6M | $298.7M | ||
| Q4 24 | $184.3M | $327.6M | ||
| Q3 24 | $150.7M | $406.2M | ||
| Q2 24 | $156.0M | $380.3M | ||
| Q1 24 | $135.7M | $399.9M |
総負債FICOIBP
| Q4 25 | $3.2B | $886.6M | ||
| Q3 25 | $3.1B | $880.8M | ||
| Q2 25 | $2.8B | $876.1M | ||
| Q1 25 | $2.5B | $872.4M | ||
| Q4 24 | $2.4B | $874.8M | ||
| Q3 24 | $2.2B | $872.3M | ||
| Q2 24 | $2.1B | $875.8M | ||
| Q1 24 | $2.0B | $875.0M |
株主資本FICOIBP
| Q4 25 | $-1.8B | $709.9M | ||
| Q3 25 | $-1.7B | $678.6M | ||
| Q2 25 | $-1.4B | $664.5M | ||
| Q1 25 | $-1.1B | $660.9M | ||
| Q4 24 | $-1.1B | $705.3M | ||
| Q3 24 | $-962.7M | $716.4M | ||
| Q2 24 | $-829.3M | $685.3M | ||
| Q1 24 | $-735.7M | $679.2M |
総資産FICOIBP
| Q4 25 | $1.9B | $2.1B | ||
| Q3 25 | $1.9B | $2.1B | ||
| Q2 25 | $1.9B | $2.0B | ||
| Q1 25 | $1.8B | $2.0B | ||
| Q4 24 | $1.7B | $2.1B | ||
| Q3 24 | $1.7B | $2.1B | ||
| Q2 24 | $1.7B | $2.0B | ||
| Q1 24 | $1.7B | $2.0B |
負債/資本比率FICOIBP
| Q4 25 | — | 1.25× | ||
| Q3 25 | — | 1.30× | ||
| Q2 25 | — | 1.32× | ||
| Q1 25 | — | 1.32× | ||
| Q4 24 | — | 1.24× | ||
| Q3 24 | — | 1.22× | ||
| Q2 24 | — | 1.28× | ||
| Q1 24 | — | 1.29× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $174.1M | $64.9M |
| フリーキャッシュフロー営業CF - 設備投資 | $173.9M | $49.3M |
| FCFマージンFCF / 売上 | 34.0% | 6.6% |
| 設備投資強度設備投資 / 売上 | 0.0% | 2.1% |
| キャッシュ転換率営業CF / 純利益 | 1.10× | 0.85× |
| 直近12ヶ月FCF直近4四半期 | $750.6M | $300.8M |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローFICOIBP
| Q4 25 | $174.1M | $64.9M | ||
| Q3 25 | $223.7M | $124.0M | ||
| Q2 25 | $286.2M | $90.4M | ||
| Q1 25 | $74.9M | $92.1M | ||
| Q4 24 | $194.0M | $74.8M | ||
| Q3 24 | $226.5M | $101.4M | ||
| Q2 24 | $213.3M | $79.0M | ||
| Q1 24 | $71.0M | $84.8M |
フリーキャッシュフローFICOIBP
| Q4 25 | $173.9M | $49.3M | ||
| Q3 25 | $219.5M | $104.8M | ||
| Q2 25 | $284.4M | $74.8M | ||
| Q1 25 | $72.8M | $71.9M | ||
| Q4 24 | $193.2M | $52.9M | ||
| Q3 24 | $224.7M | $77.3M | ||
| Q2 24 | $211.6M | $58.2M | ||
| Q1 24 | $67.0M | $63.0M |
FCFマージンFICOIBP
| Q4 25 | 34.0% | 6.6% | ||
| Q3 25 | 42.6% | 13.5% | ||
| Q2 25 | 53.0% | 9.8% | ||
| Q1 25 | 14.6% | 10.5% | ||
| Q4 24 | 43.9% | 7.1% | ||
| Q3 24 | 49.5% | 10.2% | ||
| Q2 24 | 47.2% | 7.9% | ||
| Q1 24 | 15.4% | 9.1% |
設備投資強度FICOIBP
| Q4 25 | 0.0% | 2.1% | ||
| Q3 25 | 0.8% | 2.5% | ||
| Q2 25 | 0.3% | 2.1% | ||
| Q1 25 | 0.4% | 2.9% | ||
| Q4 24 | 0.2% | 2.9% | ||
| Q3 24 | 0.4% | 3.2% | ||
| Q2 24 | 0.4% | 2.8% | ||
| Q1 24 | 0.9% | 3.1% |
キャッシュ転換率FICOIBP
| Q4 25 | 1.10× | 0.85× | ||
| Q3 25 | 1.44× | 1.67× | ||
| Q2 25 | 1.57× | 1.31× | ||
| Q1 25 | 0.46× | 2.03× | ||
| Q4 24 | 1.27× | 1.12× | ||
| Q3 24 | 1.67× | 1.48× | ||
| Q2 24 | 1.69× | 1.21× | ||
| Q1 24 | 0.55× | 1.52× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
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% |
IBP
| Residential New Construction | $488.6M | 65% |
| Other Customer Installation | $67.8M | 9% |
| Shower Doors Shelving And Mirrors | $53.5M | 7% |
| Other Building Products | $47.7M | 6% |
| Fireproofing And Firestopping | $37.6M | 5% |
| Rain Gutters | $31.3M | 4% |
| Window Blinds | $18.0M | 2% |
| Related Party | $6.7M | 1% |
