vs
Fair Isaac（FICO）与LOUISIANA-PACIFIC CORP（LPX）财务数据对比。点击上方公司名可切换其他公司
LOUISIANA-PACIFIC CORP的季度营收约是Fair Isaac的1.1倍（$566.0M vs $512.0M），Fair Isaac净利率更高（30.9% vs -1.4%，领先32.3%），Fair Isaac同比增速更快（16.4% vs -16.9%），Fair Isaac自由现金流更多（$173.9M vs $-8.0M），过去两年Fair Isaac的营收复合增速更高（8.6% vs -11.6%）
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。
路易斯安那-太平洋公司（简称LP）是美国知名建材制造商，成立于1973年，是美国定向结构刨花板（OSB）生产的开创者，总部现位于田纳西州纳什维尔。作为全球最大的OSB生产商，公司还生产工程木建材产品，通过建材分销商、经销商及家居零售中心向建筑商和业主供货。
FICO vs LPX — 直观对比
营收规模更大
LPX
是对方的1.1倍
$512.0M
营收增速更快
FICO
高出33.2%
-16.9%
净利率更高
FICO
高出32.3%
-1.4%
自由现金流更多
FICO
多$181.9M
$-8.0M
两年增速更快
FICO
近两年复合增速
-11.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $566.0M |
| 净利润 | $158.4M | $-8.0M |
| 毛利率 | 83.0% | 15.0% |
| 营业利润率 | 45.7% | -1.6% |
| 净利率 | 30.9% | -1.4% |
| 营收同比 | 16.4% | -16.9% |
| 净利润同比 | 3.8% | -112.9% |
| 每股收益（稀释后） | $6.61 | $-0.12 |
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FICOLPX
| Q4 25 | $512.0M | $566.0M | ||
| Q3 25 | $515.8M | $663.0M | ||
| Q2 25 | $536.4M | $755.0M | ||
| Q1 25 | $498.7M | $724.0M | ||
| Q4 24 | $440.0M | $681.0M | ||
| Q3 24 | $453.8M | $722.0M | ||
| Q2 24 | $447.8M | $814.0M | ||
| Q1 24 | $433.8M | $724.0M |
净利润FICOLPX
| Q4 25 | $158.4M | $-8.0M | ||
| Q3 25 | $155.0M | $9.0M | ||
| Q2 25 | $181.8M | $54.0M | ||
| Q1 25 | $162.6M | $91.0M | ||
| Q4 24 | $152.5M | $62.0M | ||
| Q3 24 | $135.7M | $90.0M | ||
| Q2 24 | $126.3M | $160.0M | ||
| Q1 24 | $129.8M | $108.0M |
毛利率FICOLPX
| Q4 25 | 83.0% | 15.0% | ||
| Q3 25 | 82.3% | 19.5% | ||
| Q2 25 | 83.7% | 23.6% | ||
| Q1 25 | 82.4% | 27.2% | ||
| Q4 24 | 80.1% | 23.8% | ||
| Q3 24 | 80.3% | 26.7% | ||
| Q2 24 | 80.3% | 32.3% | ||
| Q1 24 | 80.0% | 29.6% |
营业利润率FICOLPX
| Q4 25 | 45.7% | -1.6% | ||
| Q3 25 | 46.0% | 2.7% | ||
| Q2 25 | 48.9% | 10.6% | ||
| Q1 25 | 49.3% | 16.6% | ||
| Q4 24 | 40.8% | 11.0% | ||
| Q3 24 | 43.4% | 16.1% | ||
| Q2 24 | 42.5% | 23.8% | ||
| Q1 24 | 44.9% | 20.0% |
净利率FICOLPX
| Q4 25 | 30.9% | -1.4% | ||
| Q3 25 | 30.1% | 1.4% | ||
| Q2 25 | 33.9% | 7.2% | ||
| Q1 25 | 32.6% | 12.6% | ||
| Q4 24 | 34.7% | 9.1% | ||
| Q3 24 | 29.9% | 12.5% | ||
| Q2 24 | 28.2% | 19.7% | ||
| Q1 24 | 29.9% | 14.9% |
每股收益（稀释后）FICOLPX
| Q4 25 | $6.61 | $-0.12 | ||
| Q3 25 | $6.41 | $0.13 | ||
| Q2 25 | $7.40 | $0.77 | ||
| Q1 25 | $6.59 | $1.30 | ||
| Q4 24 | $6.14 | $0.90 | ||
| Q3 24 | $5.44 | $1.28 | ||
| Q2 24 | $5.05 | $2.23 | ||
| Q1 24 | $5.16 | $1.48 |
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 | $292.0M |
| 总债务越低越好 | $3.2B | $348.0M |
| 股东权益账面价值 | $-1.8B | $1.7B |
| 总资产 | $1.9B | $2.6B |
| 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FICOLPX
| Q4 25 | $162.0M | $292.0M | ||
| Q3 25 | $134.1M | $316.0M | ||
| Q2 25 | $189.0M | $333.0M | ||
| Q1 25 | $146.6M | $256.0M | ||
| Q4 24 | $184.3M | $340.0M | ||
| Q3 24 | $150.7M | $346.0M | ||
| Q2 24 | $156.0M | $317.0M | ||
| Q1 24 | $135.7M | $244.0M |
总债务FICOLPX
| Q4 25 | $3.2B | $348.0M | ||
| Q3 25 | $3.1B | $348.0M | ||
| Q2 25 | $2.8B | $348.0M | ||
| Q1 25 | $2.5B | $348.0M | ||
| Q4 24 | $2.4B | $348.0M | ||
| Q3 24 | $2.2B | $347.0M | ||
| Q2 24 | $2.1B | $347.0M | ||
| Q1 24 | $2.0B | $347.0M |
股东权益FICOLPX
| Q4 25 | $-1.8B | $1.7B | ||
| Q3 25 | $-1.7B | $1.7B | ||
| Q2 25 | $-1.4B | $1.7B | ||
| Q1 25 | $-1.1B | $1.7B | ||
| Q4 24 | $-1.1B | $1.7B | ||
| Q3 24 | $-962.7M | $1.7B | ||
| Q2 24 | $-829.3M | $1.7B | ||
| Q1 24 | $-735.7M | $1.6B |
总资产FICOLPX
| Q4 25 | $1.9B | $2.6B | ||
| Q3 25 | $1.9B | $2.6B | ||
| Q2 25 | $1.9B | $2.7B | ||
| Q1 25 | $1.8B | $2.6B | ||
| Q4 24 | $1.7B | $2.6B | ||
| Q3 24 | $1.7B | $2.6B | ||
| Q2 24 | $1.7B | $2.5B | ||
| Q1 24 | $1.7B | $2.5B |
负债/权益比FICOLPX
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | 0.20× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.21× | ||
| Q1 24 | — | 0.21× |
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 | $67.0M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-8.0M |
| 自由现金流率自由现金流/营收 | 34.0% | -1.4% |
| 资本支出强度资本支出/营收 | 0.0% | 13.3% |
| 现金转化率经营现金流/净利润 | 1.10× | — |
| 过去12个月自由现金流最近4个季度 | $750.6M | $91.0M |
8季度趋势，按日历期对齐
经营现金流FICOLPX
| Q4 25 | $174.1M | $67.0M | ||
| Q3 25 | $223.7M | $89.0M | ||
| Q2 25 | $286.2M | $162.0M | ||
| Q1 25 | $74.9M | $64.0M | ||
| Q4 24 | $194.0M | $105.0M | ||
| Q3 24 | $226.5M | $183.0M | ||
| Q2 24 | $213.3M | $212.0M | ||
| Q1 24 | $71.0M | $105.0M |
自由现金流FICOLPX
| Q4 25 | $173.9M | $-8.0M | ||
| Q3 25 | $219.5M | $5.0M | ||
| Q2 25 | $284.4M | $94.0M | ||
| Q1 25 | $72.8M | $0 | ||
| Q4 24 | $193.2M | $43.0M | ||
| Q3 24 | $224.7M | $139.0M | ||
| Q2 24 | $211.6M | $176.0M | ||
| Q1 24 | $67.0M | $64.0M |
自由现金流率FICOLPX
| Q4 25 | 34.0% | -1.4% | ||
| Q3 25 | 42.6% | 0.8% | ||
| Q2 25 | 53.0% | 12.5% | ||
| Q1 25 | 14.6% | 0.0% | ||
| Q4 24 | 43.9% | 6.3% | ||
| Q3 24 | 49.5% | 19.3% | ||
| Q2 24 | 47.2% | 21.6% | ||
| Q1 24 | 15.4% | 8.8% |
资本支出强度FICOLPX
| Q4 25 | 0.0% | 13.3% | ||
| Q3 25 | 0.8% | 12.7% | ||
| Q2 25 | 0.3% | 9.0% | ||
| Q1 25 | 0.4% | 8.8% | ||
| Q4 24 | 0.2% | 9.1% | ||
| Q3 24 | 0.4% | 6.1% | ||
| Q2 24 | 0.4% | 4.4% | ||
| Q1 24 | 0.9% | 5.7% |
现金转化率FICOLPX
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 9.89× | ||
| Q2 25 | 1.57× | 3.00× | ||
| Q1 25 | 0.46× | 0.70× | ||
| Q4 24 | 1.27× | 1.69× | ||
| Q3 24 | 1.67× | 2.03× | ||
| Q2 24 | 1.69× | 1.32× | ||
| Q1 24 | 0.55× | 0.97× |
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% |
LPX
| OS Bvalueadd | $472.0M | 83% |
| Other | $84.0M | 15% |
| Otherproducts | $10.0M | 2% |
