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Fair Isaac（FICO）与Installed Building Products, Inc.（IBP）财务数据对比。点击上方公司名可切换其他公司
Installed Building Products, Inc.的季度营收约是Fair Isaac的1.5倍（$747.5M vs $512.0M），Fair Isaac净利率更高（30.9% vs 10.2%，领先20.7%），Fair Isaac同比增速更快（16.4% vs -0.4%），Fair Isaac自由现金流更多（$173.9M vs $49.3M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 3.9%）
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。
Installed Building Products, Inc.是美国领先的建筑产品安装服务商，主营绝缘材料、排水沟、车库门、消防系统及窗帘等产品的专业安装服务，覆盖住宅新建、翻新改造及商业建筑三大领域，业务遍及美国大部分地区。
FICO vs IBP — 直观对比
营收规模更大
IBP
是对方的1.5倍
$512.0M
营收增速更快
FICO
高出16.7%
-0.4%
净利率更高
FICO
高出20.7%
10.2%
自由现金流更多
FICO
多$124.6M
$49.3M
两年增速更快
FICO
近两年复合增速
3.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $747.5M |
| 净利润 | $158.4M | $76.6M |
| 毛利率 | 83.0% | 35.0% |
| 营业利润率 | 45.7% | 14.6% |
| 净利率 | 30.9% | 10.2% |
| 营收同比 | 16.4% | -0.4% |
| 净利润同比 | 3.8% | 14.5% |
| 每股收益（稀释后） | $6.61 | $2.81 |
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 |
净利润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 |
毛利率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% |
营业利润率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% |
净利率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% |
每股收益（稀释后）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 |
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 | $321.9M |
| 总债务越低越好 | $3.2B | $886.6M |
| 股东权益账面价值 | $-1.8B | $709.9M |
| 总资产 | $1.9B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 1.25× |
8季度趋势，按日历期对齐
现金及短期投资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 |
总债务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 |
股东权益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 |
总资产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 |
负债/权益比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× |
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 | $64.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $49.3M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.6% |
| 资本支出强度资本支出/营收 | 0.0% | 2.1% |
| 现金转化率经营现金流/净利润 | 1.10× | 0.85× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $300.8M |
8季度趋势，按日历期对齐
经营现金流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 |
自由现金流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 |
自由现金流率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% |
资本支出强度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% |
现金转化率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× |
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% |
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% |
