vs
Fair Isaac（FICO）与RPC INC（RES）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RPC INC的1.2倍（$512.0M vs $425.8M），Fair Isaac净利率更高（30.9% vs -0.7%，领先31.7%），RPC INC同比增速更快（27.0% vs 16.4%），Fair Isaac自由现金流更多（$173.9M vs $31.2M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 6.2%）
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。
RPC集团是总部位于英国的企业，曾是欧洲规模最大的塑料包装供应商之一，总部坐落于北安普敦郡的拉什登。该公司此前在伦敦证券交易所上市，2019年被贝瑞全球集团收购，贝瑞全球集团又于2025年被安海斯包装收购。
FICO vs RES — 直观对比
营收规模更大
FICO
是对方的1.2倍
$425.8M
营收增速更快
RES
高出10.6%
16.4%
净利率更高
FICO
高出31.7%
-0.7%
自由现金流更多
FICO
多$142.6M
$31.2M
两年增速更快
FICO
近两年复合增速
6.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $425.8M |
| 净利润 | $158.4M | $-3.1M |
| 毛利率 | 83.0% | 21.0% |
| 营业利润率 | 45.7% | -0.9% |
| 净利率 | 30.9% | -0.7% |
| 营收同比 | 16.4% | 27.0% |
| 净利润同比 | 3.8% | -124.0% |
| 每股收益（稀释后） | $6.61 | $-0.02 |
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FICORES
| Q4 25 | $512.0M | $425.8M | ||
| Q3 25 | $515.8M | $447.1M | ||
| Q2 25 | $536.4M | $420.8M | ||
| Q1 25 | $498.7M | $332.9M | ||
| Q4 24 | $440.0M | $335.4M | ||
| Q3 24 | $453.8M | $337.7M | ||
| Q2 24 | $447.8M | $364.2M | ||
| Q1 24 | $433.8M | $377.8M |
净利润FICORES
| Q4 25 | $158.4M | $-3.1M | ||
| Q3 25 | $155.0M | $13.0M | ||
| Q2 25 | $181.8M | $10.1M | ||
| Q1 25 | $162.6M | $12.0M | ||
| Q4 24 | $152.5M | $12.8M | ||
| Q3 24 | $135.7M | $18.8M | ||
| Q2 24 | $126.3M | $32.4M | ||
| Q1 24 | $129.8M | $27.5M |
毛利率FICORES
| Q4 25 | 83.0% | 21.0% | ||
| Q3 25 | 82.3% | 25.1% | ||
| Q2 25 | 83.7% | 24.5% | ||
| Q1 25 | 82.4% | 26.7% | ||
| Q4 24 | 80.1% | 25.4% | ||
| Q3 24 | 80.3% | 26.7% | ||
| Q2 24 | 80.3% | 28.0% | ||
| Q1 24 | 80.0% | 26.8% |
营业利润率FICORES
| Q4 25 | 45.7% | -0.9% | ||
| Q3 25 | 46.0% | 4.7% | ||
| Q2 25 | 48.9% | 3.7% | ||
| Q1 25 | 49.3% | 3.7% | ||
| Q4 24 | 40.8% | 3.1% | ||
| Q3 24 | 43.4% | 5.7% | ||
| Q2 24 | 42.5% | 9.7% | ||
| Q1 24 | 44.9% | 8.6% |
净利率FICORES
| Q4 25 | 30.9% | -0.7% | ||
| Q3 25 | 30.1% | 2.9% | ||
| Q2 25 | 33.9% | 2.4% | ||
| Q1 25 | 32.6% | 3.6% | ||
| Q4 24 | 34.7% | 3.8% | ||
| Q3 24 | 29.9% | 5.6% | ||
| Q2 24 | 28.2% | 8.9% | ||
| Q1 24 | 29.9% | 7.3% |
每股收益（稀释后）FICORES
| Q4 25 | $6.61 | $-0.02 | ||
| Q3 25 | $6.41 | $0.06 | ||
| Q2 25 | $7.40 | $0.05 | ||
| Q1 25 | $6.59 | $0.06 | ||
| Q4 24 | $6.14 | $0.06 | ||
| Q3 24 | $5.44 | $0.09 | ||
| Q2 24 | $5.05 | $0.15 | ||
| Q1 24 | $5.16 | $0.13 |
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 | $210.0M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $1.1B |
| 总资产 | $1.9B | $1.5B |
| 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FICORES
| Q4 25 | $162.0M | $210.0M | ||
| Q3 25 | $134.1M | $163.5M | ||
| Q2 25 | $189.0M | $162.1M | ||
| Q1 25 | $146.6M | $326.7M | ||
| Q4 24 | $184.3M | $326.0M | ||
| Q3 24 | $150.7M | $276.9M | ||
| Q2 24 | $156.0M | $261.5M | ||
| Q1 24 | $135.7M | $212.2M |
总债务FICORES
| 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FICORES
| Q4 25 | $-1.8B | $1.1B | ||
| Q3 25 | $-1.7B | $1.1B | ||
| Q2 25 | $-1.4B | $1.1B | ||
| Q1 25 | $-1.1B | $1.1B | ||
| Q4 24 | $-1.1B | $1.1B | ||
| Q3 24 | $-962.7M | $1.1B | ||
| Q2 24 | $-829.3M | $1.1B | ||
| Q1 24 | $-735.7M | $1.0B |
总资产FICORES
| Q4 25 | $1.9B | $1.5B | ||
| Q3 25 | $1.9B | $1.5B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.7B | $1.4B | ||
| Q3 24 | $1.7B | $1.3B | ||
| Q2 24 | $1.7B | $1.3B | ||
| Q1 24 | $1.7B | $1.3B |
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 | $61.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $31.2M |
| 自由现金流率自由现金流/营收 | 34.0% | 7.3% |
| 资本支出强度资本支出/营收 | 0.0% | 7.2% |
| 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 | $52.9M |
8季度趋势，按日历期对齐
经营现金流FICORES
| Q4 25 | $174.1M | $61.9M | ||
| Q3 25 | $223.7M | $46.5M | ||
| Q2 25 | $286.2M | $53.1M | ||
| Q1 25 | $74.9M | $39.9M | ||
| Q4 24 | $194.0M | $94.2M | ||
| Q3 24 | $226.5M | $70.7M | ||
| Q2 24 | $213.3M | $127.9M | ||
| Q1 24 | $71.0M | $56.6M |
自由现金流FICORES
| Q4 25 | $173.9M | $31.2M | ||
| Q3 25 | $219.5M | $4.1M | ||
| Q2 25 | $284.4M | $10.0M | ||
| Q1 25 | $72.8M | $7.6M | ||
| Q4 24 | $193.2M | $53.7M | ||
| Q3 24 | $224.7M | $19.1M | ||
| Q2 24 | $211.6M | $52.9M | ||
| Q1 24 | $67.0M | $3.8M |
自由现金流率FICORES
| Q4 25 | 34.0% | 7.3% | ||
| Q3 25 | 42.6% | 0.9% | ||
| Q2 25 | 53.0% | 2.4% | ||
| Q1 25 | 14.6% | 2.3% | ||
| Q4 24 | 43.9% | 16.0% | ||
| Q3 24 | 49.5% | 5.6% | ||
| Q2 24 | 47.2% | 14.5% | ||
| Q1 24 | 15.4% | 1.0% |
资本支出强度FICORES
| Q4 25 | 0.0% | 7.2% | ||
| Q3 25 | 0.8% | 9.5% | ||
| Q2 25 | 0.3% | 10.2% | ||
| Q1 25 | 0.4% | 9.7% | ||
| Q4 24 | 0.2% | 12.1% | ||
| Q3 24 | 0.4% | 15.3% | ||
| Q2 24 | 0.4% | 20.6% | ||
| Q1 24 | 0.9% | 14.0% |
现金转化率FICORES
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 3.59× | ||
| Q2 25 | 1.57× | 5.23× | ||
| Q1 25 | 0.46× | 3.31× | ||
| Q4 24 | 1.27× | 7.38× | ||
| Q3 24 | 1.67× | 3.76× | ||
| Q2 24 | 1.69× | 3.95× | ||
| Q1 24 | 0.55× | 2.06× |
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% |
RES
| Technical Service | $405.2M | 95% |
| Other | $8.8M | 2% |
| Nitrogen | $6.6M | 2% |
