vs
Fair Isaac（FICO）与LCI INDUSTRIES（LCII）财务数据对比。点击上方公司名可切换其他公司
LCI INDUSTRIES的季度营收约是Fair Isaac的1.8倍（$932.7M vs $512.0M），Fair Isaac净利率更高（30.9% vs 2.0%，领先28.9%），Fair Isaac同比增速更快（16.4% vs 16.1%），Fair Isaac自由现金流更多（$173.9M vs $64.3M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -1.8%）
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。
拉奇核心工业有限公司前身为巴基斯坦帝国化学工业公司，是一家总部位于卡拉奇的巴基斯坦综合性企业集团，业务覆盖聚酯、医药、农用化学品、纯碱及兽药等多品类产品的研发生产，在巴基斯坦本土工业领域拥有重要市场地位。
FICO vs LCII — 直观对比
营收规模更大
LCII
是对方的1.8倍
$512.0M
营收增速更快
FICO
高出0.2%
16.1%
净利率更高
FICO
高出28.9%
2.0%
自由现金流更多
FICO
多$109.6M
$64.3M
两年增速更快
FICO
近两年复合增速
-1.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $932.7M |
| 净利润 | $158.4M | $18.7M |
| 毛利率 | 83.0% | 22.1% |
| 营业利润率 | 45.7% | 3.8% |
| 净利率 | 30.9% | 2.0% |
| 营收同比 | 16.4% | 16.1% |
| 净利润同比 | 3.8% | 95.7% |
| 每股收益（稀释后） | $6.61 | $0.79 |
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FICOLCII
| Q4 25 | $512.0M | $932.7M | ||
| Q3 25 | $515.8M | $1.0B | ||
| Q2 25 | $536.4M | $1.1B | ||
| Q1 25 | $498.7M | $1.0B | ||
| Q4 24 | $440.0M | $803.1M | ||
| Q3 24 | $453.8M | $915.5M | ||
| Q2 24 | $447.8M | $1.1B | ||
| Q1 24 | $433.8M | $968.0M |
净利润FICOLCII
| Q4 25 | $158.4M | $18.7M | ||
| Q3 25 | $155.0M | $62.5M | ||
| Q2 25 | $181.8M | $57.6M | ||
| Q1 25 | $162.6M | $49.4M | ||
| Q4 24 | $152.5M | $9.5M | ||
| Q3 24 | $135.7M | $35.6M | ||
| Q2 24 | $126.3M | $61.2M | ||
| Q1 24 | $129.8M | $36.5M |
毛利率FICOLCII
| Q4 25 | 83.0% | 22.1% | ||
| Q3 25 | 82.3% | 24.4% | ||
| Q2 25 | 83.7% | 24.4% | ||
| Q1 25 | 82.4% | 24.1% | ||
| Q4 24 | 80.1% | 21.1% | ||
| Q3 24 | 80.3% | 24.0% | ||
| Q2 24 | 80.3% | 25.3% | ||
| Q1 24 | 80.0% | 23.1% |
营业利润率FICOLCII
| Q4 25 | 45.7% | 3.8% | ||
| Q3 25 | 46.0% | 7.3% | ||
| Q2 25 | 48.9% | 7.9% | ||
| Q1 25 | 49.3% | 7.8% | ||
| Q4 24 | 40.8% | 2.0% | ||
| Q3 24 | 43.4% | 5.9% | ||
| Q2 24 | 42.5% | 8.6% | ||
| Q1 24 | 44.9% | 6.0% |
净利率FICOLCII
| Q4 25 | 30.9% | 2.0% | ||
| Q3 25 | 30.1% | 6.0% | ||
| Q2 25 | 33.9% | 5.2% | ||
| Q1 25 | 32.6% | 4.7% | ||
| Q4 24 | 34.7% | 1.2% | ||
| Q3 24 | 29.9% | 3.9% | ||
| Q2 24 | 28.2% | 5.8% | ||
| Q1 24 | 29.9% | 3.8% |
每股收益（稀释后）FICOLCII
| Q4 25 | $6.61 | $0.79 | ||
| Q3 25 | $6.41 | $2.55 | ||
| Q2 25 | $7.40 | $2.29 | ||
| Q1 25 | $6.59 | $1.94 | ||
| Q4 24 | $6.14 | $0.37 | ||
| Q3 24 | $5.44 | $1.39 | ||
| Q2 24 | $5.05 | $2.40 | ||
| Q1 24 | $5.16 | $1.44 |
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 | $222.6M |
| 总债务越低越好 | $3.2B | $945.2M |
| 股东权益账面价值 | $-1.8B | $1.4B |
| 总资产 | $1.9B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资FICOLCII
| Q4 25 | $162.0M | $222.6M | ||
| Q3 25 | $134.1M | $199.7M | ||
| Q2 25 | $189.0M | $191.9M | ||
| Q1 25 | $146.6M | $231.2M | ||
| Q4 24 | $184.3M | $165.8M | ||
| Q3 24 | $150.7M | $161.2M | ||
| Q2 24 | $156.0M | $130.4M | ||
| Q1 24 | $135.7M | $22.6M |
总债务FICOLCII
| Q4 25 | $3.2B | $945.2M | ||
| Q3 25 | $3.1B | $947.8M | ||
| Q2 25 | $2.8B | $948.0M | ||
| Q1 25 | $2.5B | $938.3M | ||
| Q4 24 | $2.4B | $757.3M | ||
| Q3 24 | $2.2B | $822.5M | ||
| Q2 24 | $2.1B | $829.7M | ||
| Q1 24 | $2.0B | $855.3M |
股东权益FICOLCII
| Q4 25 | $-1.8B | $1.4B | ||
| Q3 25 | $-1.7B | $1.4B | ||
| Q2 25 | $-1.4B | $1.4B | ||
| Q1 25 | $-1.1B | $1.4B | ||
| Q4 24 | $-1.1B | $1.4B | ||
| Q3 24 | $-962.7M | $1.4B | ||
| Q2 24 | $-829.3M | $1.4B | ||
| Q1 24 | $-735.7M | $1.4B |
总资产FICOLCII
| Q4 25 | $1.9B | $3.2B | ||
| Q3 25 | $1.9B | $3.2B | ||
| Q2 25 | $1.9B | $3.2B | ||
| Q1 25 | $1.8B | $3.1B | ||
| Q4 24 | $1.7B | $2.9B | ||
| Q3 24 | $1.7B | $3.0B | ||
| Q2 24 | $1.7B | $3.0B | ||
| Q1 24 | $1.7B | $3.0B |
负债/权益比FICOLCII
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.70× | ||
| Q2 25 | — | 0.68× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | 0.55× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.60× | ||
| Q1 24 | — | 0.63× |
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 | $78.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $64.3M |
| 自由现金流率自由现金流/营收 | 34.0% | 6.9% |
| 资本支出强度资本支出/营收 | 0.0% | 1.6% |
| 现金转化率经营现金流/净利润 | 1.10× | 4.22× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $278.3M |
8季度趋势，按日历期对齐
经营现金流FICOLCII
| Q4 25 | $174.1M | $78.9M | ||
| Q3 25 | $223.7M | $97.2M | ||
| Q2 25 | $286.2M | $112.2M | ||
| Q1 25 | $74.9M | $42.7M | ||
| Q4 24 | $194.0M | $106.6M | ||
| Q3 24 | $226.5M | $78.4M | ||
| Q2 24 | $213.3M | $192.9M | ||
| Q1 24 | $71.0M | $-7.7M |
自由现金流FICOLCII
| Q4 25 | $173.9M | $64.3M | ||
| Q3 25 | $219.5M | $80.9M | ||
| Q2 25 | $284.4M | $99.5M | ||
| Q1 25 | $72.8M | $33.7M | ||
| Q4 24 | $193.2M | $95.7M | ||
| Q3 24 | $224.7M | $68.3M | ||
| Q2 24 | $211.6M | $180.2M | ||
| Q1 24 | $67.0M | $-16.3M |
自由现金流率FICOLCII
| Q4 25 | 34.0% | 6.9% | ||
| Q3 25 | 42.6% | 7.8% | ||
| Q2 25 | 53.0% | 9.0% | ||
| Q1 25 | 14.6% | 3.2% | ||
| Q4 24 | 43.9% | 11.9% | ||
| Q3 24 | 49.5% | 7.5% | ||
| Q2 24 | 47.2% | 17.1% | ||
| Q1 24 | 15.4% | -1.7% |
资本支出强度FICOLCII
| Q4 25 | 0.0% | 1.6% | ||
| Q3 25 | 0.8% | 1.6% | ||
| Q2 25 | 0.3% | 1.2% | ||
| Q1 25 | 0.4% | 0.9% | ||
| Q4 24 | 0.2% | 1.4% | ||
| Q3 24 | 0.4% | 1.1% | ||
| Q2 24 | 0.4% | 1.2% | ||
| Q1 24 | 0.9% | 0.9% |
现金转化率FICOLCII
| Q4 25 | 1.10× | 4.22× | ||
| Q3 25 | 1.44× | 1.55× | ||
| Q2 25 | 1.57× | 1.95× | ||
| Q1 25 | 0.46× | 0.86× | ||
| Q4 24 | 1.27× | 11.17× | ||
| Q3 24 | 1.67× | 2.20× | ||
| Q2 24 | 1.69× | 3.15× | ||
| Q1 24 | 0.55× | -0.21× |
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% |
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
