vs
American Homes 4 Rent（AMH）与Fair Isaac（FICO）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American Homes 4 Rent的1.1倍（$512.0M vs $455.0M），American Homes 4 Rent净利率更高（31.7% vs 30.9%，领先0.8%），Fair Isaac同比增速更快（16.4% vs 4.2%），American Homes 4 Rent自由现金流更多（$823.7M vs $173.9M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 3.6%）
AMH（American Homes 4 Rent）是总部位于美国内华达州拉斯维加斯的住宅房地产投资信托基金，主打单户住宅租赁业务。截至2019年12月31日，公司在全美22个州共持有52552套住宅，资产主要集中在亚特兰大、达拉斯-沃斯堡及北卡罗来纳州夏洛特地区。
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。
AMH vs FICO — 直观对比
营收规模更大
FICO
是对方的1.1倍
$455.0M
营收增速更快
FICO
高出12.1%
4.2%
净利率更高
AMH
高出0.8%
30.9%
自由现金流更多
AMH
多$649.8M
$173.9M
两年增速更快
FICO
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $455.0M | $512.0M |
| 净利润 | $144.3M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 31.7% | 30.9% |
| 营收同比 | 4.2% | 16.4% |
| 净利润同比 | 0.3% | 3.8% |
| 每股收益（稀释后） | $0.33 | $6.61 |
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AMHFICO
| Q4 25 | $455.0M | $512.0M | ||
| Q3 25 | $478.5M | $515.8M | ||
| Q2 25 | $457.5M | $536.4M | ||
| Q1 25 | $459.3M | $498.7M | ||
| Q4 24 | $436.6M | $440.0M | ||
| Q3 24 | $445.1M | $453.8M | ||
| Q2 24 | $423.5M | $447.8M | ||
| Q1 24 | $423.6M | $433.8M |
净利润AMHFICO
| Q4 25 | $144.3M | $158.4M | ||
| Q3 25 | $116.8M | $155.0M | ||
| Q2 25 | $123.6M | $181.8M | ||
| Q1 25 | $128.7M | $162.6M | ||
| Q4 24 | $143.9M | $152.5M | ||
| Q3 24 | $87.6M | $135.7M | ||
| Q2 24 | $108.5M | $126.3M | ||
| Q1 24 | $128.1M | $129.8M |
毛利率AMHFICO
| 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% | ||
| Q1 24 | — | 80.0% |
营业利润率AMHFICO
| Q4 25 | — | 45.7% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 49.3% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 43.4% | ||
| Q2 24 | — | 42.5% | ||
| Q1 24 | — | 44.9% |
净利率AMHFICO
| Q4 25 | 31.7% | 30.9% | ||
| Q3 25 | 24.4% | 30.1% | ||
| Q2 25 | 27.0% | 33.9% | ||
| Q1 25 | 28.0% | 32.6% | ||
| Q4 24 | 33.0% | 34.7% | ||
| Q3 24 | 19.7% | 29.9% | ||
| Q2 24 | 25.6% | 28.2% | ||
| Q1 24 | 30.2% | 29.9% |
每股收益（稀释后）AMHFICO
| Q4 25 | $0.33 | $6.61 | ||
| Q3 25 | $0.27 | $6.41 | ||
| Q2 25 | $0.28 | $7.40 | ||
| Q1 25 | $0.30 | $6.59 | ||
| Q4 24 | $0.33 | $6.14 | ||
| Q3 24 | $0.20 | $5.44 | ||
| Q2 24 | $0.25 | $5.05 | ||
| Q1 24 | $0.30 | $5.16 |
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 | $108.5M | $162.0M |
| 总债务越低越好 | $5.1B | $3.2B |
| 股东权益账面价值 | $7.0B | $-1.8B |
| 总资产 | $13.2B | $1.9B |
| 负债/权益比越低杠杆越低 | 0.72× | — |
8季度趋势，按日历期对齐
现金及短期投资AMHFICO
| Q4 25 | $108.5M | $162.0M | ||
| Q3 25 | $45.6M | $134.1M | ||
| Q2 25 | $323.3M | $189.0M | ||
| Q1 25 | $69.7M | $146.6M | ||
| Q4 24 | $199.4M | $184.3M | ||
| Q3 24 | $162.5M | $150.7M | ||
| Q2 24 | $718.4M | $156.0M | ||
| Q1 24 | $124.8M | $135.7M |
总债务AMHFICO
| Q4 25 | $5.1B | $3.2B | ||
| Q3 25 | $4.8B | $3.1B | ||
| Q2 25 | $5.2B | $2.8B | ||
| Q1 25 | $4.9B | $2.5B | ||
| Q4 24 | $5.0B | $2.4B | ||
| Q3 24 | $4.5B | $2.2B | ||
| Q2 24 | $5.0B | $2.1B | ||
| Q1 24 | $4.5B | $2.0B |
股东权益AMHFICO
| Q4 25 | $7.0B | $-1.8B | ||
| Q3 25 | $7.2B | $-1.7B | ||
| Q2 25 | $7.2B | $-1.4B | ||
| Q1 25 | $7.2B | $-1.1B | ||
| Q4 24 | $7.2B | $-1.1B | ||
| Q3 24 | $7.0B | $-962.7M | ||
| Q2 24 | $7.0B | $-829.3M | ||
| Q1 24 | $7.0B | $-735.7M |
总资产AMHFICO
| Q4 25 | $13.2B | $1.9B | ||
| Q3 25 | $13.3B | $1.9B | ||
| Q2 25 | $13.6B | $1.9B | ||
| Q1 25 | $13.3B | $1.8B | ||
| Q4 24 | $13.4B | $1.7B | ||
| Q3 24 | $12.8B | $1.7B | ||
| Q2 24 | $13.3B | $1.7B | ||
| Q1 24 | $12.8B | $1.7B |
负债/权益比AMHFICO
| Q4 25 | 0.72× | — | ||
| Q3 25 | 0.68× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 0.69× | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | 0.64× | — | ||
| Q2 24 | 0.71× | — | ||
| Q1 24 | 0.64× | — |
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 | $864.3M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | $823.7M | $173.9M |
| 自由现金流率自由现金流/营收 | 181.0% | 34.0% |
| 资本支出强度资本支出/营收 | 8.9% | 0.0% |
| 现金转化率经营现金流/净利润 | 5.99× | 1.10× |
| 过去12个月自由现金流最近4个季度 | $1.5B | $750.6M |
8季度趋势，按日历期对齐
经营现金流AMHFICO
| Q4 25 | $864.3M | $174.1M | ||
| Q3 25 | $223.3M | $223.7M | ||
| Q2 25 | $271.9M | $286.2M | ||
| Q1 25 | $223.4M | $74.9M | ||
| Q4 24 | $811.5M | $194.0M | ||
| Q3 24 | $233.6M | $226.5M | ||
| Q2 24 | $274.0M | $213.3M | ||
| Q1 24 | $201.8M | $71.0M |
自由现金流AMHFICO
| Q4 25 | $823.7M | $173.9M | ||
| Q3 25 | $214.5M | $219.5M | ||
| Q2 25 | $257.7M | $284.4M | ||
| Q1 25 | $215.9M | $72.8M | ||
| Q4 24 | $777.5M | $193.2M | ||
| Q3 24 | $225.3M | $224.7M | ||
| Q2 24 | $263.3M | $211.6M | ||
| Q1 24 | $191.0M | $67.0M |
自由现金流率AMHFICO
| Q4 25 | 181.0% | 34.0% | ||
| Q3 25 | 44.8% | 42.6% | ||
| Q2 25 | 56.3% | 53.0% | ||
| Q1 25 | 47.0% | 14.6% | ||
| Q4 24 | 178.1% | 43.9% | ||
| Q3 24 | 50.6% | 49.5% | ||
| Q2 24 | 62.2% | 47.2% | ||
| Q1 24 | 45.1% | 15.4% |
资本支出强度AMHFICO
| Q4 25 | 8.9% | 0.0% | ||
| Q3 25 | 1.8% | 0.8% | ||
| Q2 25 | 3.1% | 0.3% | ||
| Q1 25 | 1.6% | 0.4% | ||
| Q4 24 | 7.8% | 0.2% | ||
| Q3 24 | 1.9% | 0.4% | ||
| Q2 24 | 2.5% | 0.4% | ||
| Q1 24 | 2.6% | 0.9% |
现金转化率AMHFICO
| Q4 25 | 5.99× | 1.10× | ||
| Q3 25 | 1.91× | 1.44× | ||
| Q2 25 | 2.20× | 1.57× | ||
| Q1 25 | 1.74× | 0.46× | ||
| Q4 24 | 5.64× | 1.27× | ||
| Q3 24 | 2.67× | 1.67× | ||
| Q2 24 | 2.52× | 1.69× | ||
| Q1 24 | 1.58× | 0.55× |
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
AMH
暂无分部数据
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% |
