vs
Fair Isaac（FICO）与Real Brokerage Inc（REAX）财务数据对比。点击上方公司名可切换其他公司
Real Brokerage Inc的季度营收约是Fair Isaac的1.1倍（$568.5M vs $512.0M），Fair Isaac净利率更高（30.9% vs -0.1%，领先31.0%），Real Brokerage Inc同比增速更快（52.6% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $8.4M）
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。
该企业是美国房产服务企业，主营房产经纪业务运营与品牌特许经营，业务覆盖房产中介、 relocation服务、产权服务、保险及结算服务，旗下拥有Better Homes and Gardens Real Estate、21世纪不动产、Coldwell Banker、Corcoran Group、ERA房地产以及苏富比国际地产等多个知名品牌，2026年被Compass, Inc.收购。
FICO vs REAX — 直观对比
营收规模更大
REAX
是对方的1.1倍
$512.0M
营收增速更快
REAX
高出36.3%
16.4%
净利率更高
FICO
高出31.0%
-0.1%
自由现金流更多
FICO
多$165.4M
$8.4M
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $568.5M |
| 净利润 | $158.4M | $-447.0K |
| 毛利率 | 83.0% | 7.9% |
| 营业利润率 | 45.7% | -0.1% |
| 净利率 | 30.9% | -0.1% |
| 营收同比 | 16.4% | 52.6% |
| 净利润同比 | 3.8% | 82.7% |
| 每股收益（稀释后） | $6.61 | $0.00 |
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FICOREAX
| Q4 25 | $512.0M | — | ||
| Q3 25 | $515.8M | $568.5M | ||
| Q2 25 | $536.4M | $540.7M | ||
| Q1 25 | $498.7M | $354.0M | ||
| Q4 24 | $440.0M | — | ||
| Q3 24 | $453.8M | $372.5M | ||
| Q2 24 | $447.8M | — | ||
| Q1 24 | $433.8M | $200.7M |
净利润FICOREAX
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | $-447.0K | ||
| Q2 25 | $181.8M | $1.5M | ||
| Q1 25 | $162.6M | $-5.0M | ||
| Q4 24 | $152.5M | — | ||
| Q3 24 | $135.7M | $-2.6M | ||
| Q2 24 | $126.3M | — | ||
| Q1 24 | $129.8M | $-16.1M |
毛利率FICOREAX
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | 7.9% | ||
| Q2 25 | 83.7% | 8.9% | ||
| Q1 25 | 82.4% | 9.6% | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | 8.6% | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | 10.3% |
营业利润率FICOREAX
| Q4 25 | 45.7% | — | ||
| Q3 25 | 46.0% | -0.1% | ||
| Q2 25 | 48.9% | 0.3% | ||
| Q1 25 | 49.3% | -1.5% | ||
| Q4 24 | 40.8% | — | ||
| Q3 24 | 43.4% | -0.7% | ||
| Q2 24 | 42.5% | — | ||
| Q1 24 | 44.9% | -7.8% |
净利率FICOREAX
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | -0.1% | ||
| Q2 25 | 33.9% | 0.3% | ||
| Q1 25 | 32.6% | -1.4% | ||
| Q4 24 | 34.7% | — | ||
| Q3 24 | 29.9% | -0.7% | ||
| Q2 24 | 28.2% | — | ||
| Q1 24 | 29.9% | -8.0% |
每股收益（稀释后）FICOREAX
| Q4 25 | $6.61 | — | ||
| Q3 25 | $6.41 | $0.00 | ||
| Q2 25 | $7.40 | $0.01 | ||
| Q1 25 | $6.59 | $-0.02 | ||
| Q4 24 | $6.14 | — | ||
| Q3 24 | $5.44 | $-0.01 | ||
| Q2 24 | $5.05 | — | ||
| Q1 24 | $5.16 | $-0.09 |
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 | $38.7M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $53.6M |
| 总资产 | $1.9B | $145.2M |
| 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FICOREAX
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | $38.7M | ||
| Q2 25 | $189.0M | $49.7M | ||
| Q1 25 | $146.6M | $24.7M | ||
| Q4 24 | $184.3M | — | ||
| Q3 24 | $150.7M | $22.6M | ||
| Q2 24 | $156.0M | — | ||
| Q1 24 | $135.7M | $20.1M |
总债务FICOREAX
| 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FICOREAX
| Q4 25 | $-1.8B | — | ||
| Q3 25 | $-1.7B | $53.6M | ||
| Q2 25 | $-1.4B | $49.2M | ||
| Q1 25 | $-1.1B | $32.8M | ||
| Q4 24 | $-1.1B | — | ||
| Q3 24 | $-962.7M | $29.8M | ||
| Q2 24 | $-829.3M | — | ||
| Q1 24 | $-735.7M | $25.6M |
总资产FICOREAX
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.9B | $145.2M | ||
| Q2 25 | $1.9B | $149.4M | ||
| Q1 25 | $1.8B | $100.5M | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | $102.5M | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.7B | — |
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 | $8.8M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $8.4M |
| 自由现金流率自由现金流/营收 | 34.0% | 1.5% |
| 资本支出强度资本支出/营收 | 0.0% | 0.1% |
| 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 | $71.7M |
8季度趋势，按日历期对齐
经营现金流FICOREAX
| Q4 25 | $174.1M | — | ||
| Q3 25 | $223.7M | $8.8M | ||
| Q2 25 | $286.2M | $41.0M | ||
| Q1 25 | $74.9M | $15.9M | ||
| Q4 24 | $194.0M | — | ||
| Q3 24 | $226.5M | $7.2M | ||
| Q2 24 | $213.3M | — | ||
| Q1 24 | $71.0M | $21.5M |
自由现金流FICOREAX
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | $8.4M | ||
| Q2 25 | $284.4M | $40.8M | ||
| Q1 25 | $72.8M | $15.7M | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | $6.8M | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | $21.4M |
自由现金流率FICOREAX
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | 1.5% | ||
| Q2 25 | 53.0% | 7.5% | ||
| Q1 25 | 14.6% | 4.4% | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | 1.8% | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | 10.7% |
资本支出强度FICOREAX
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | 0.1% | ||
| Q2 25 | 0.3% | 0.0% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | 0.0% |
现金转化率FICOREAX
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.57× | 27.13× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | — | ||
| 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% |
REAX
暂无分部数据
