vs
Fair Isaac（FICO）与RBC Bearings INC（RBC）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RBC Bearings INC的1.1倍（$512.0M vs $461.6M），Fair Isaac净利率更高（30.9% vs 14.6%，领先16.3%），RBC Bearings INC同比增速更快（17.0% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $99.1M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
FICO vs RBC — 直观对比
营收规模更大
FICO
是对方的1.1倍
$461.6M
营收增速更快
RBC
高出0.7%
16.4%
净利率更高
FICO
高出16.3%
14.6%
自由现金流更多
FICO
多$74.8M
$99.1M
两年增速更快
FICO
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $461.6M |
| 净利润 | $158.4M | $67.4M |
| 毛利率 | 83.0% | 44.3% |
| 营业利润率 | 45.7% | 22.3% |
| 净利率 | 30.9% | 14.6% |
| 营收同比 | 16.4% | 17.0% |
| 净利润同比 | 3.8% | 16.4% |
| 每股收益（稀释后） | $6.61 | $2.13 |
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FICORBC
| Q4 25 | $512.0M | $461.6M | ||
| Q3 25 | $515.8M | $455.3M | ||
| Q2 25 | $536.4M | $436.0M | ||
| Q1 25 | $498.7M | $437.7M | ||
| Q4 24 | $440.0M | $394.4M | ||
| Q3 24 | $453.8M | $397.9M | ||
| Q2 24 | $447.8M | $406.3M | ||
| Q1 24 | $433.8M | $413.7M |
净利润FICORBC
| Q4 25 | $158.4M | $67.4M | ||
| Q3 25 | $155.0M | $60.0M | ||
| Q2 25 | $181.8M | $68.5M | ||
| Q1 25 | $162.6M | $72.7M | ||
| Q4 24 | $152.5M | $57.9M | ||
| Q3 24 | $135.7M | $54.2M | ||
| Q2 24 | $126.3M | $61.4M | ||
| Q1 24 | $129.8M | — |
毛利率FICORBC
| Q4 25 | 83.0% | 44.3% | ||
| Q3 25 | 82.3% | 44.1% | ||
| Q2 25 | 83.7% | 44.8% | ||
| Q1 25 | 82.4% | 44.2% | ||
| Q4 24 | 80.1% | 44.3% | ||
| Q3 24 | 80.3% | 43.7% | ||
| Q2 24 | 80.3% | 45.3% | ||
| Q1 24 | 80.0% | 43.1% |
营业利润率FICORBC
| Q4 25 | 45.7% | 22.3% | ||
| Q3 25 | 46.0% | 21.5% | ||
| Q2 25 | 48.9% | 23.2% | ||
| Q1 25 | 49.3% | 23.0% | ||
| Q4 24 | 40.8% | 21.7% | ||
| Q3 24 | 43.4% | 21.6% | ||
| Q2 24 | 42.5% | 24.0% | ||
| Q1 24 | 44.9% | 22.8% |
净利率FICORBC
| Q4 25 | 30.9% | 14.6% | ||
| Q3 25 | 30.1% | 13.2% | ||
| Q2 25 | 33.9% | 15.7% | ||
| Q1 25 | 32.6% | 16.6% | ||
| Q4 24 | 34.7% | 14.7% | ||
| Q3 24 | 29.9% | 13.6% | ||
| Q2 24 | 28.2% | 15.1% | ||
| Q1 24 | 29.9% | — |
每股收益（稀释后）FICORBC
| Q4 25 | $6.61 | $2.13 | ||
| Q3 25 | $6.41 | $1.90 | ||
| Q2 25 | $7.40 | $2.17 | ||
| Q1 25 | $6.59 | $2.33 | ||
| Q4 24 | $6.14 | $1.82 | ||
| Q3 24 | $5.44 | $1.65 | ||
| Q2 24 | $5.05 | $1.90 | ||
| Q1 24 | $5.16 | $1.92 |
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 | $107.6M |
| 总债务越低越好 | $3.2B | $990.2M |
| 股东权益账面价值 | $-1.8B | $3.3B |
| 总资产 | $1.9B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资FICORBC
| Q4 25 | $162.0M | $107.6M | ||
| Q3 25 | $134.1M | $91.2M | ||
| Q2 25 | $189.0M | $132.9M | ||
| Q1 25 | $146.6M | $36.8M | ||
| Q4 24 | $184.3M | — | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | $76.8M | ||
| Q1 24 | $135.7M | $63.5M |
总债务FICORBC
| Q4 25 | $3.2B | $990.2M | ||
| Q3 25 | $3.1B | $1.1B | ||
| Q2 25 | $2.8B | $915.6M | ||
| Q1 25 | $2.5B | $920.1M | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | $1.2B |
股东权益FICORBC
| Q4 25 | $-1.8B | $3.3B | ||
| Q3 25 | $-1.7B | $3.2B | ||
| Q2 25 | $-1.4B | $3.1B | ||
| Q1 25 | $-1.1B | $3.0B | ||
| Q4 24 | $-1.1B | $2.9B | ||
| Q3 24 | $-962.7M | $2.9B | ||
| Q2 24 | $-829.3M | $2.8B | ||
| Q1 24 | $-735.7M | $2.8B |
总资产FICORBC
| Q4 25 | $1.9B | $5.1B | ||
| Q3 25 | $1.9B | $5.1B | ||
| Q2 25 | $1.9B | $4.8B | ||
| Q1 25 | $1.8B | $4.7B | ||
| Q4 24 | $1.7B | $4.7B | ||
| Q3 24 | $1.7B | $4.7B | ||
| Q2 24 | $1.7B | $4.7B | ||
| Q1 24 | $1.7B | $4.7B |
负债/权益比FICORBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $99.1M |
| 自由现金流率自由现金流/营收 | 34.0% | 21.5% |
| 资本支出强度资本支出/营收 | 0.0% | 5.0% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.81× |
| 过去12个月自由现金流最近4个季度 | $750.6M | — |
8季度趋势，按日历期对齐
经营现金流FICORBC
| Q4 25 | $174.1M | $122.1M | ||
| Q3 25 | $223.7M | $88.4M | ||
| Q2 25 | $286.2M | $120.0M | ||
| Q1 25 | $74.9M | — | ||
| Q4 24 | $194.0M | $84.0M | ||
| Q3 24 | $226.5M | — | ||
| Q2 24 | $213.3M | $97.4M | ||
| Q1 24 | $71.0M | — |
自由现金流FICORBC
| Q4 25 | $173.9M | $99.1M | ||
| Q3 25 | $219.5M | $71.7M | ||
| Q2 25 | $284.4M | $104.3M | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | $73.6M | ||
| Q3 24 | $224.7M | — | ||
| Q2 24 | $211.6M | $88.4M | ||
| Q1 24 | $67.0M | — |
自由现金流率FICORBC
| Q4 25 | 34.0% | 21.5% | ||
| Q3 25 | 42.6% | 15.7% | ||
| Q2 25 | 53.0% | 23.9% | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | 18.7% | ||
| Q3 24 | 49.5% | — | ||
| Q2 24 | 47.2% | 21.8% | ||
| Q1 24 | 15.4% | — |
资本支出强度FICORBC
| Q4 25 | 0.0% | 5.0% | ||
| Q3 25 | 0.8% | 3.7% | ||
| Q2 25 | 0.3% | 3.6% | ||
| Q1 25 | 0.4% | 3.2% | ||
| Q4 24 | 0.2% | 2.6% | ||
| Q3 24 | 0.4% | 4.1% | ||
| Q2 24 | 0.4% | 2.2% | ||
| Q1 24 | 0.9% | — |
现金转化率FICORBC
| Q4 25 | 1.10× | 1.81× | ||
| Q3 25 | 1.44× | 1.47× | ||
| Q2 25 | 1.57× | 1.75× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | 1.45× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 1.69× | 1.59× | ||
| Q1 24 | 0.55× | — |
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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
