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Fair Isaac（FICO）与Fiverr International Ltd.（FVRR）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Fiverr International Ltd.的1.8倍（$512.0M vs $287.8M），Fair Isaac净利率更高（30.9% vs 1.9%，领先29.1%），Fair Isaac自由现金流更多（$173.9M vs $52.1M），过去两年Fiverr International Ltd.的营收复合增速更高（29.5% 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。
Fiverr International Ltd.运营全球在线自由职业服务平台，连接160余个国家的企业客户与独立创作者，提供数字营销、平面设计、编程、文案撰写、视频剪辑等多领域专业服务，满足各类客户灵活的按需用工需求。
FICO vs FVRR — 直观对比
营收规模更大
FICO
是对方的1.8倍
$287.8M
净利率更高
FICO
高出29.1%
1.9%
自由现金流更多
FICO
多$121.8M
$52.1M
两年增速更快
FVRR
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $287.8M |
| 净利润 | $158.4M | $5.4M |
| 毛利率 | 83.0% | 82.5% |
| 营业利润率 | 45.7% | -3.5% |
| 净利率 | 30.9% | 1.9% |
| 营收同比 | 16.4% | — |
| 净利润同比 | 3.8% | — |
| 每股收益（稀释后） | $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FICOFVRR
| Q4 25 | $512.0M | — | ||
| Q3 25 | $515.8M | $287.8M | ||
| Q2 25 | $536.4M | $188.2M | ||
| Q1 25 | $498.7M | $93.5M | ||
| Q4 24 | $440.0M | — | ||
| Q3 24 | $453.8M | $269.9M | ||
| Q2 24 | $447.8M | $177.3M | ||
| Q1 24 | $433.8M | $88.0M |
净利润FICOFVRR
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | $5.4M | ||
| Q2 25 | $181.8M | $4.1M | ||
| Q1 25 | $162.6M | $788.0K | ||
| Q4 24 | $152.5M | — | ||
| Q3 24 | $135.7M | $-1.0M | ||
| Q2 24 | $126.3M | $-4.0M | ||
| Q1 24 | $129.8M | $-4.3M |
毛利率FICOFVRR
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | 82.5% | ||
| Q2 25 | 83.7% | 83.3% | ||
| Q1 25 | 82.4% | 83.5% | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | 82.8% | ||
| Q2 24 | 80.3% | 82.4% | ||
| Q1 24 | 80.0% | 82.2% |
营业利润率FICOFVRR
| Q4 25 | 45.7% | — | ||
| Q3 25 | 46.0% | -3.5% | ||
| Q2 25 | 48.9% | -3.4% | ||
| Q1 25 | 49.3% | -4.4% | ||
| Q4 24 | 40.8% | — | ||
| Q3 24 | 43.4% | -5.0% | ||
| Q2 24 | 42.5% | -6.3% | ||
| Q1 24 | 44.9% | -8.1% |
净利率FICOFVRR
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | 1.9% | ||
| Q2 25 | 33.9% | 2.2% | ||
| Q1 25 | 32.6% | 0.8% | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 29.9% | -0.4% | ||
| Q2 24 | 28.2% | -2.3% | ||
| Q1 24 | 29.9% | -4.9% |
每股收益（稀释后）FICOFVRR
| Q4 25 | $6.61 | — | ||
| Q3 25 | $6.41 | — | ||
| Q2 25 | $7.40 | — | ||
| Q1 25 | $6.59 | — | ||
| Q4 24 | $6.14 | — | ||
| Q3 24 | $5.44 | — | ||
| Q2 24 | $5.05 | — | ||
| Q1 24 | $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 | $162.0M | $133.5M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $362.6M |
| 总资产 | $1.9B | $1.1B |
| 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FICOFVRR
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | $133.5M | ||
| Q2 25 | $189.0M | $578.4M | ||
| Q1 25 | $146.6M | $133.5M | ||
| Q4 24 | $184.3M | — | ||
| Q3 24 | $150.7M | $183.7M | ||
| Q2 24 | $156.0M | $183.7M | ||
| Q1 24 | $135.7M | $183.7M |
总债务FICOFVRR
| 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 | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOFVRR
| Q4 25 | $-1.8B | — | ||
| Q3 25 | $-1.7B | $362.6M | ||
| Q2 25 | $-1.4B | $404.9M | ||
| Q1 25 | $-1.1B | $362.6M | ||
| Q4 24 | $-1.1B | — | ||
| Q3 24 | $-962.7M | $355.8M | ||
| Q2 24 | $-829.3M | $355.8M | ||
| Q1 24 | $-735.7M | $355.8M |
总资产FICOFVRR
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.9B | $1.1B | ||
| Q2 25 | $1.9B | $1.1B | ||
| Q1 25 | $1.8B | $1.1B | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | $1.0B | ||
| Q2 24 | $1.7B | $1.0B | ||
| Q1 24 | $1.7B | $1.0B |
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 | $53.0M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $52.1M |
| 自由现金流率自由现金流/营收 | 34.0% | 18.1% |
| 资本支出强度资本支出/营收 | 0.0% | 0.3% |
| 现金转化率经营现金流/净利润 | 1.10× | 9.81× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $124.9M |
8季度趋势，按日历期对齐
经营现金流FICOFVRR
| Q4 25 | $174.1M | — | ||
| Q3 25 | $223.7M | $53.0M | ||
| Q2 25 | $286.2M | $42.2M | ||
| Q1 25 | $74.9M | $21.2M | ||
| Q4 24 | $194.0M | — | ||
| Q3 24 | $226.5M | $10.9M | ||
| Q2 24 | $213.3M | $32.2M | ||
| Q1 24 | $71.0M | $21.2M |
自由现金流FICOFVRR
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | $52.1M | ||
| Q2 25 | $284.4M | $41.5M | ||
| Q1 25 | $72.8M | $20.8M | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | $10.6M | ||
| Q2 24 | $211.6M | $31.5M | ||
| Q1 24 | $67.0M | $20.8M |
自由现金流率FICOFVRR
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | 18.1% | ||
| Q2 25 | 53.0% | 22.0% | ||
| Q1 25 | 14.6% | 22.3% | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | 3.9% | ||
| Q2 24 | 47.2% | 17.8% | ||
| Q1 24 | 15.4% | 23.7% |
资本支出强度FICOFVRR
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | 0.3% | ||
| Q2 25 | 0.3% | 0.4% | ||
| Q1 25 | 0.4% | 0.4% | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | 0.4% | ||
| Q1 24 | 0.9% | 0.4% |
现金转化率FICOFVRR
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 9.81× | ||
| Q2 25 | 1.57× | 10.40× | ||
| Q1 25 | 0.46× | 26.90× | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | — | ||
| Q1 24 | 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
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% |
FVRR
暂无分部数据
