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Fair Isaac（FICO）与IES Holdings, Inc.（IESC）财务数据对比。点击上方公司名可切换其他公司
IES Holdings, Inc.的季度营收约是Fair Isaac的1.7倍（$871.0M vs $512.0M），Fair Isaac净利率更高（30.9% vs 10.5%，领先20.4%），Fair Isaac同比增速更快（16.4% vs 16.2%），Fair Isaac自由现金流更多（$173.9M vs $-18.9M），过去两年IES Holdings, Inc.的营收复合增速更高（11.1% 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。
IES Holdings, Inc.前身为Integrated Electrical Services, Inc.，主营业务为集成电气及技术系统的设计与安装，同时面向数据中心、住宅、商业和工业设施等多元终端市场提供基础设施类产品及相关服务。
FICO vs IESC — 直观对比
营收规模更大
IESC
是对方的1.7倍
$512.0M
营收增速更快
FICO
高出0.2%
16.2%
净利率更高
FICO
高出20.4%
10.5%
自由现金流更多
FICO
多$192.7M
$-18.9M
两年增速更快
IESC
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $871.0M |
| 净利润 | $158.4M | $91.8M |
| 毛利率 | 83.0% | 25.3% |
| 营业利润率 | 45.7% | 11.2% |
| 净利率 | 30.9% | 10.5% |
| 营收同比 | 16.4% | 16.2% |
| 净利润同比 | 3.8% | 59.1% |
| 每股收益（稀释后） | $6.61 | $4.51 |
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FICOIESC
| Q4 25 | $512.0M | $871.0M | ||
| Q3 25 | $515.8M | $897.8M | ||
| Q2 25 | $536.4M | $890.2M | ||
| Q1 25 | $498.7M | $834.0M | ||
| Q4 24 | $440.0M | $749.5M | ||
| Q3 24 | $453.8M | $775.8M | ||
| Q2 24 | $447.8M | $768.4M | ||
| Q1 24 | $433.8M | $705.7M |
净利润FICOIESC
| Q4 25 | $158.4M | $91.8M | ||
| Q3 25 | $155.0M | $102.3M | ||
| Q2 25 | $181.8M | $79.3M | ||
| Q1 25 | $162.6M | $72.6M | ||
| Q4 24 | $152.5M | $57.7M | ||
| Q3 24 | $135.7M | $65.5M | ||
| Q2 24 | $126.3M | $66.6M | ||
| Q1 24 | $129.8M | $56.8M |
毛利率FICOIESC
| Q4 25 | 83.0% | 25.3% | ||
| Q3 25 | 82.3% | 26.0% | ||
| Q2 25 | 83.7% | 26.9% | ||
| Q1 25 | 82.4% | 25.0% | ||
| Q4 24 | 80.1% | 23.8% | ||
| Q3 24 | 80.3% | 24.0% | ||
| Q2 24 | 80.3% | 25.3% | ||
| Q1 24 | 80.0% | 24.3% |
营业利润率FICOIESC
| Q4 25 | 45.7% | 11.2% | ||
| Q3 25 | 46.0% | 11.6% | ||
| Q2 25 | 48.9% | 12.6% | ||
| Q1 25 | 49.3% | 11.1% | ||
| Q4 24 | 40.8% | 10.0% | ||
| Q3 24 | 43.4% | 9.7% | ||
| Q2 24 | 42.5% | 11.7% | ||
| Q1 24 | 44.9% | 11.0% |
净利率FICOIESC
| Q4 25 | 30.9% | 10.5% | ||
| Q3 25 | 30.1% | 11.4% | ||
| Q2 25 | 33.9% | 8.9% | ||
| Q1 25 | 32.6% | 8.7% | ||
| Q4 24 | 34.7% | 7.7% | ||
| Q3 24 | 29.9% | 8.4% | ||
| Q2 24 | 28.2% | 8.7% | ||
| Q1 24 | 29.9% | 8.0% |
每股收益（稀释后）FICOIESC
| Q4 25 | $6.61 | $4.51 | ||
| Q3 25 | $6.41 | $4.99 | ||
| Q2 25 | $7.40 | $3.81 | ||
| Q1 25 | $6.59 | $3.50 | ||
| Q4 24 | $6.14 | $2.72 | ||
| Q3 24 | $5.44 | $3.06 | ||
| Q2 24 | $5.05 | $2.67 | ||
| Q1 24 | $5.16 | $2.29 |
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 | $258.7M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $961.1M |
| 总资产 | $1.9B | $1.7B |
| 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FICOIESC
| Q4 25 | $162.0M | $258.7M | ||
| Q3 25 | $134.1M | $231.8M | ||
| Q2 25 | $189.0M | $168.3M | ||
| Q1 25 | $146.6M | $88.3M | ||
| Q4 24 | $184.3M | $112.0M | ||
| Q3 24 | $150.7M | $135.8M | ||
| Q2 24 | $156.0M | $44.9M | ||
| Q1 24 | $135.7M | $106.0M |
总债务FICOIESC
| 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FICOIESC
| Q4 25 | $-1.8B | $961.1M | ||
| Q3 25 | $-1.7B | $884.0M | ||
| Q2 25 | $-1.4B | $781.4M | ||
| Q1 25 | $-1.1B | $705.8M | ||
| Q4 24 | $-1.1B | $652.4M | ||
| Q3 24 | $-962.7M | $611.1M | ||
| Q2 24 | $-829.3M | $567.5M | ||
| Q1 24 | $-735.7M | $534.8M |
总资产FICOIESC
| Q4 25 | $1.9B | $1.7B | ||
| Q3 25 | $1.9B | $1.6B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.8B | $1.4B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.7B | $1.2B | ||
| Q2 24 | $1.7B | $1.2B | ||
| Q1 24 | $1.7B | $1.1B |
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 | $27.7M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-18.9M |
| 自由现金流率自由现金流/营收 | 34.0% | -2.2% |
| 资本支出强度资本支出/营收 | 0.0% | 5.3% |
| 现金转化率经营现金流/净利润 | 1.10× | 0.30× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $175.9M |
8季度趋势，按日历期对齐
经营现金流FICOIESC
| Q4 25 | $174.1M | $27.7M | ||
| Q3 25 | $223.7M | $132.0M | ||
| Q2 25 | $286.2M | $92.0M | ||
| Q1 25 | $74.9M | $24.8M | ||
| Q4 24 | $194.0M | $37.3M | ||
| Q3 24 | $226.5M | $92.8M | ||
| Q2 24 | $213.3M | $82.9M | ||
| Q1 24 | $71.0M | $33.7M |
自由现金流FICOIESC
| Q4 25 | $173.9M | $-18.9M | ||
| Q3 25 | $219.5M | $112.0M | ||
| Q2 25 | $284.4M | $74.8M | ||
| Q1 25 | $72.8M | $7.9M | ||
| Q4 24 | $193.2M | $24.1M | ||
| Q3 24 | $224.7M | $78.5M | ||
| Q2 24 | $211.6M | $65.4M | ||
| Q1 24 | $67.0M | $26.9M |
自由现金流率FICOIESC
| Q4 25 | 34.0% | -2.2% | ||
| Q3 25 | 42.6% | 12.5% | ||
| Q2 25 | 53.0% | 8.4% | ||
| Q1 25 | 14.6% | 0.9% | ||
| Q4 24 | 43.9% | 3.2% | ||
| Q3 24 | 49.5% | 10.1% | ||
| Q2 24 | 47.2% | 8.5% | ||
| Q1 24 | 15.4% | 3.8% |
资本支出强度FICOIESC
| Q4 25 | 0.0% | 5.3% | ||
| Q3 25 | 0.8% | 2.2% | ||
| Q2 25 | 0.3% | 1.9% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.2% | 1.8% | ||
| Q3 24 | 0.4% | 1.8% | ||
| Q2 24 | 0.4% | 2.3% | ||
| Q1 24 | 0.9% | 1.0% |
现金转化率FICOIESC
| Q4 25 | 1.10× | 0.30× | ||
| Q3 25 | 1.44× | 1.29× | ||
| Q2 25 | 1.57× | 1.16× | ||
| Q1 25 | 0.46× | 0.34× | ||
| Q4 24 | 1.27× | 0.65× | ||
| Q3 24 | 1.67× | 1.42× | ||
| Q2 24 | 1.69× | 1.24× | ||
| Q1 24 | 0.55× | 0.59× |
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% |
IESC
| Communications | $351.9M | 40% |
| Single Family Electrical Contracts | $137.0M | 16% |
| Custom Engineered Solutions | $116.0M | 13% |
| Commercialand Industrial | $94.8M | 11% |
| Single Family Contracts Plumbing HVAC | $82.9M | 10% |
| Multi Familyand Other | $64.2M | 7% |
| Industrial Services | $24.2M | 3% |
