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Fair Isaac（FICO）与Reddit, Inc.（RDDT）财务数据对比。点击上方公司名可切换其他公司
Reddit, Inc.的季度营收约是Fair Isaac的1.4倍（$725.6M vs $512.0M），Reddit, Inc.净利率更高（34.7% vs 30.9%，领先3.7%），Reddit, Inc.同比增速更快（69.7% vs 16.4%），Reddit, Inc.自由现金流更多（$263.6M vs $173.9M），过去两年Reddit, Inc.的营收复合增速更高（72.8% 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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
FICO vs RDDT — 直观对比
营收规模更大
RDDT
是对方的1.4倍
$512.0M
营收增速更快
RDDT
高出53.3%
16.4%
净利率更高
RDDT
高出3.7%
30.9%
自由现金流更多
RDDT
多$89.8M
$173.9M
两年增速更快
RDDT
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $725.6M |
| 净利润 | $158.4M | $251.6M |
| 毛利率 | 83.0% | 91.9% |
| 营业利润率 | 45.7% | 31.9% |
| 净利率 | 30.9% | 34.7% |
| 营收同比 | 16.4% | 69.7% |
| 净利润同比 | 3.8% | 254.2% |
| 每股收益（稀释后） | $6.61 | $1.24 |
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FICORDDT
| Q4 25 | $512.0M | $725.6M | ||
| Q3 25 | $515.8M | $584.9M | ||
| Q2 25 | $536.4M | $499.6M | ||
| Q1 25 | $498.7M | $392.4M | ||
| Q4 24 | $440.0M | $427.7M | ||
| Q3 24 | $453.8M | $348.4M | ||
| Q2 24 | $447.8M | $281.2M | ||
| Q1 24 | $433.8M | $243.0M |
净利润FICORDDT
| Q4 25 | $158.4M | $251.6M | ||
| Q3 25 | $155.0M | $162.7M | ||
| Q2 25 | $181.8M | $89.3M | ||
| Q1 25 | $162.6M | $26.2M | ||
| Q4 24 | $152.5M | $71.0M | ||
| Q3 24 | $135.7M | $29.9M | ||
| Q2 24 | $126.3M | $-10.1M | ||
| Q1 24 | $129.8M | $-575.1M |
毛利率FICORDDT
| Q4 25 | 83.0% | 91.9% | ||
| Q3 25 | 82.3% | 91.0% | ||
| Q2 25 | 83.7% | 90.8% | ||
| Q1 25 | 82.4% | 90.5% | ||
| Q4 24 | 80.1% | 92.6% | ||
| Q3 24 | 80.3% | 90.1% | ||
| Q2 24 | 80.3% | 89.5% | ||
| Q1 24 | 80.0% | 88.6% |
营业利润率FICORDDT
| Q4 25 | 45.7% | 31.9% | ||
| Q3 25 | 46.0% | 23.7% | ||
| Q2 25 | 48.9% | 13.6% | ||
| Q1 25 | 49.3% | 1.0% | ||
| Q4 24 | 40.8% | 12.4% | ||
| Q3 24 | 43.4% | 2.0% | ||
| Q2 24 | 42.5% | -11.0% | ||
| Q1 24 | 44.9% | -242.5% |
净利率FICORDDT
| Q4 25 | 30.9% | 34.7% | ||
| Q3 25 | 30.1% | 27.8% | ||
| Q2 25 | 33.9% | 17.9% | ||
| Q1 25 | 32.6% | 6.7% | ||
| Q4 24 | 34.7% | 16.6% | ||
| Q3 24 | 29.9% | 8.6% | ||
| Q2 24 | 28.2% | -3.6% | ||
| Q1 24 | 29.9% | -236.7% |
每股收益（稀释后）FICORDDT
| Q4 25 | $6.61 | $1.24 | ||
| Q3 25 | $6.41 | $0.80 | ||
| Q2 25 | $7.40 | $0.45 | ||
| Q1 25 | $6.59 | $0.13 | ||
| Q4 24 | $6.14 | $4.76 | ||
| Q3 24 | $5.44 | $0.16 | ||
| Q2 24 | $5.05 | $-0.06 | ||
| Q1 24 | $5.16 | $-8.19 |
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 | $953.6M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $2.9B |
| 总资产 | $1.9B | $3.2B |
| 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FICORDDT
| Q4 25 | $162.0M | $953.6M | ||
| Q3 25 | $134.1M | $911.7M | ||
| Q2 25 | $189.0M | $734.1M | ||
| Q1 25 | $146.6M | $635.7M | ||
| Q4 24 | $184.3M | $562.1M | ||
| Q3 24 | $150.7M | $515.9M | ||
| Q2 24 | $156.0M | $468.0M | ||
| Q1 24 | $135.7M | $968.5M |
总债务FICORDDT
| 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FICORDDT
| Q4 25 | $-1.8B | $2.9B | ||
| Q3 25 | $-1.7B | $2.6B | ||
| Q2 25 | $-1.4B | $2.4B | ||
| Q1 25 | $-1.1B | $2.2B | ||
| Q4 24 | $-1.1B | $2.1B | ||
| Q3 24 | $-962.7M | $2.0B | ||
| Q2 24 | $-829.3M | $1.9B | ||
| Q1 24 | $-735.7M | $1.8B |
总资产FICORDDT
| Q4 25 | $1.9B | $3.2B | ||
| Q3 25 | $1.9B | $2.9B | ||
| Q2 25 | $1.9B | $2.6B | ||
| Q1 25 | $1.8B | $2.4B | ||
| Q4 24 | $1.7B | $2.3B | ||
| Q3 24 | $1.7B | $2.2B | ||
| Q2 24 | $1.7B | $2.1B | ||
| Q1 24 | $1.7B | $2.0B |
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 | $266.8M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $263.6M |
| 自由现金流率自由现金流/营收 | 34.0% | 36.3% |
| 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× | 1.06× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $684.2M |
8季度趋势，按日历期对齐
经营现金流FICORDDT
| Q4 25 | $174.1M | $266.8M | ||
| Q3 25 | $223.7M | $185.2M | ||
| Q2 25 | $286.2M | $111.3M | ||
| Q1 25 | $74.9M | $127.6M | ||
| Q4 24 | $194.0M | $90.0M | ||
| Q3 24 | $226.5M | $71.6M | ||
| Q2 24 | $213.3M | $28.4M | ||
| Q1 24 | $71.0M | $32.1M |
自由现金流FICORDDT
| Q4 25 | $173.9M | $263.6M | ||
| Q3 25 | $219.5M | $183.1M | ||
| Q2 25 | $284.4M | $110.8M | ||
| Q1 25 | $72.8M | $126.6M | ||
| Q4 24 | $193.2M | $89.2M | ||
| Q3 24 | $224.7M | $70.3M | ||
| Q2 24 | $211.6M | $27.2M | ||
| Q1 24 | $67.0M | $29.2M |
自由现金流率FICORDDT
| Q4 25 | 34.0% | 36.3% | ||
| Q3 25 | 42.6% | 31.3% | ||
| Q2 25 | 53.0% | 22.2% | ||
| Q1 25 | 14.6% | 32.3% | ||
| Q4 24 | 43.9% | 20.8% | ||
| Q3 24 | 49.5% | 20.2% | ||
| Q2 24 | 47.2% | 9.7% | ||
| Q1 24 | 15.4% | 12.0% |
资本支出强度FICORDDT
| Q4 25 | 0.0% | 0.4% | ||
| Q3 25 | 0.8% | 0.4% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.4% | 0.4% | ||
| Q2 24 | 0.4% | 0.4% | ||
| Q1 24 | 0.9% | 1.2% |
现金转化率FICORDDT
| Q4 25 | 1.10× | 1.06× | ||
| Q3 25 | 1.44× | 1.14× | ||
| Q2 25 | 1.57× | 1.25× | ||
| Q1 25 | 0.46× | 4.88× | ||
| Q4 24 | 1.27× | 1.27× | ||
| Q3 24 | 1.67× | 2.40× | ||
| Q2 24 | 1.69× | — | ||
| 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% |
RDDT
| Advertising | $689.7M | 95% |
| Other Revenue | $35.9M | 5% |
