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Fair Isaac（FICO）与INTERPARFUMS INC（IPAR）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INTERPARFUMS INC的1.3倍（$512.0M vs $386.2M），Fair Isaac净利率更高（30.9% vs 7.3%，领先23.7%），Fair Isaac同比增速更快（16.4% vs 6.8%），Fair Isaac自由现金流更多（$173.9M vs $145.0M），过去两年INTERPARFUMS INC的营收复合增速更高（9.2% 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。
Inter Parfums Inc是全球知名的高端香水企业，开发、生产并销售多款授权香水、身体护理及相关美妆产品，与多家顶级奢侈时尚生活方式品牌合作推出联名香氛系列，产品覆盖全球主要市场，通过百货、美妆专营店及官方电商渠道触达消费者。
FICO vs IPAR — 直观对比
营收规模更大
FICO
是对方的1.3倍
$386.2M
营收增速更快
FICO
高出9.5%
6.8%
净利率更高
FICO
高出23.7%
7.3%
自由现金流更多
FICO
多$28.9M
$145.0M
两年增速更快
IPAR
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $386.2M |
| 净利润 | $158.4M | $28.1M |
| 毛利率 | 83.0% | 61.5% |
| 营业利润率 | 45.7% | 7.1% |
| 净利率 | 30.9% | 7.3% |
| 营收同比 | 16.4% | 6.8% |
| 净利润同比 | 3.8% | 16.0% |
| 每股收益（稀释后） | $6.61 | $0.88 |
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FICOIPAR
| Q4 25 | $512.0M | $386.2M | ||
| Q3 25 | $515.8M | $429.6M | ||
| Q2 25 | $536.4M | $333.9M | ||
| Q1 25 | $498.7M | $338.8M | ||
| Q4 24 | $440.0M | $361.5M | ||
| Q3 24 | $453.8M | $424.6M | ||
| Q2 24 | $447.8M | $342.2M | ||
| Q1 24 | $433.8M | $324.0M |
净利润FICOIPAR
| Q4 25 | $158.4M | $28.1M | ||
| Q3 25 | $155.0M | $65.8M | ||
| Q2 25 | $181.8M | $32.0M | ||
| Q1 25 | $162.6M | $42.5M | ||
| Q4 24 | $152.5M | $24.2M | ||
| Q3 24 | $135.7M | $62.3M | ||
| Q2 24 | $126.3M | $36.8M | ||
| Q1 24 | $129.8M | $41.0M |
毛利率FICOIPAR
| Q4 25 | 83.0% | 61.5% | ||
| Q3 25 | 82.3% | 63.5% | ||
| Q2 25 | 83.7% | 66.2% | ||
| Q1 25 | 82.4% | 63.7% | ||
| Q4 24 | 80.1% | 64.5% | ||
| Q3 24 | 80.3% | 63.9% | ||
| Q2 24 | 80.3% | 64.5% | ||
| Q1 24 | 80.0% | 62.5% |
营业利润率FICOIPAR
| Q4 25 | 45.7% | 7.1% | ||
| Q3 25 | 46.0% | 25.3% | ||
| Q2 25 | 48.9% | 17.7% | ||
| Q1 25 | 49.3% | 22.2% | ||
| Q4 24 | 40.8% | 10.0% | ||
| Q3 24 | 43.4% | 25.0% | ||
| Q2 24 | 42.5% | 18.9% | ||
| Q1 24 | 44.9% | 21.0% |
净利率FICOIPAR
| Q4 25 | 30.9% | 7.3% | ||
| Q3 25 | 30.1% | 15.3% | ||
| Q2 25 | 33.9% | 9.6% | ||
| Q1 25 | 32.6% | 12.5% | ||
| Q4 24 | 34.7% | 6.7% | ||
| Q3 24 | 29.9% | 14.7% | ||
| Q2 24 | 28.2% | 10.8% | ||
| Q1 24 | 29.9% | 12.7% |
每股收益（稀释后）FICOIPAR
| Q4 25 | $6.61 | $0.88 | ||
| Q3 25 | $6.41 | $2.05 | ||
| Q2 25 | $7.40 | $0.99 | ||
| Q1 25 | $6.59 | $1.32 | ||
| Q4 24 | $6.14 | $0.78 | ||
| Q3 24 | $5.44 | $1.93 | ||
| Q2 24 | $5.05 | $1.14 | ||
| Q1 24 | $5.16 | $1.27 |
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 | $137.1M |
| 总债务越低越好 | $3.2B | $176.0M |
| 股东权益账面价值 | $-1.8B | $880.7M |
| 总资产 | $1.9B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资FICOIPAR
| Q4 25 | $162.0M | $137.1M | ||
| Q3 25 | $134.1M | $77.5M | ||
| Q2 25 | $189.0M | $53.9M | ||
| Q1 25 | $146.6M | $75.3M | ||
| Q4 24 | $184.3M | $109.3M | ||
| Q3 24 | $150.7M | $78.8M | ||
| Q2 24 | $156.0M | $37.7M | ||
| Q1 24 | $135.7M | $76.1M |
总债务FICOIPAR
| Q4 25 | $3.2B | $176.0M | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $157.3M | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOIPAR
| Q4 25 | $-1.8B | $880.7M | ||
| Q3 25 | $-1.7B | $870.9M | ||
| Q2 25 | $-1.4B | $839.4M | ||
| Q1 25 | $-1.1B | $788.6M | ||
| Q4 24 | $-1.1B | $744.9M | ||
| Q3 24 | $-962.7M | $778.5M | ||
| Q2 24 | $-829.3M | $717.1M | ||
| Q1 24 | $-735.7M | $708.1M |
总资产FICOIPAR
| Q4 25 | $1.9B | $1.6B | ||
| Q3 25 | $1.9B | $1.6B | ||
| Q2 25 | $1.9B | $1.6B | ||
| Q1 25 | $1.8B | $1.4B | ||
| Q4 24 | $1.7B | $1.4B | ||
| Q3 24 | $1.7B | $1.5B | ||
| Q2 24 | $1.7B | $1.4B | ||
| Q1 24 | $1.7B | $1.3B |
负债/权益比FICOIPAR
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $146.5M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $145.0M |
| 自由现金流率自由现金流/营收 | 34.0% | 37.5% |
| 资本支出强度资本支出/营收 | 0.0% | 0.4% |
| 现金转化率经营现金流/净利润 | 1.10× | 5.21× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $190.5M |
8季度趋势，按日历期对齐
经营现金流FICOIPAR
| Q4 25 | $174.1M | $146.5M | ||
| Q3 25 | $223.7M | $63.9M | ||
| Q2 25 | $286.2M | $11.9M | ||
| Q1 25 | $74.9M | $-7.4M | ||
| Q4 24 | $194.0M | $138.0M | ||
| Q3 24 | $226.5M | $76.1M | ||
| Q2 24 | $213.3M | $25.5M | ||
| Q1 24 | $71.0M | $-52.0M |
自由现金流FICOIPAR
| Q4 25 | $173.9M | $145.0M | ||
| Q3 25 | $219.5M | $57.6M | ||
| Q2 25 | $284.4M | $-3.3M | ||
| Q1 25 | $72.8M | $-8.8M | ||
| Q4 24 | $193.2M | $136.1M | ||
| Q3 24 | $224.7M | $75.4M | ||
| Q2 24 | $211.6M | $24.4M | ||
| Q1 24 | $67.0M | $-53.0M |
自由现金流率FICOIPAR
| Q4 25 | 34.0% | 37.5% | ||
| Q3 25 | 42.6% | 13.4% | ||
| Q2 25 | 53.0% | -1.0% | ||
| Q1 25 | 14.6% | -2.6% | ||
| Q4 24 | 43.9% | 37.7% | ||
| Q3 24 | 49.5% | 17.8% | ||
| Q2 24 | 47.2% | 7.1% | ||
| Q1 24 | 15.4% | -16.4% |
资本支出强度FICOIPAR
| Q4 25 | 0.0% | 0.4% | ||
| Q3 25 | 0.8% | 1.5% | ||
| Q2 25 | 0.3% | 4.5% | ||
| Q1 25 | 0.4% | 0.4% | ||
| Q4 24 | 0.2% | 0.5% | ||
| Q3 24 | 0.4% | 0.2% | ||
| Q2 24 | 0.4% | 0.3% | ||
| Q1 24 | 0.9% | 0.3% |
现金转化率FICOIPAR
| Q4 25 | 1.10× | 5.21× | ||
| Q3 25 | 1.44× | 0.97× | ||
| Q2 25 | 1.57× | 0.37× | ||
| Q1 25 | 0.46× | -0.17× | ||
| Q4 24 | 1.27× | 5.69× | ||
| Q3 24 | 1.67× | 1.22× | ||
| Q2 24 | 1.69× | 0.69× | ||
| Q1 24 | 0.55× | -1.27× |
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% |
IPAR
| European Based Operations | $232.7M | 60% |
| United States Based Operations | $155.2M | 40% |
