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Fair Isaac（FICO）与REV Group, Inc.（REVG）财务数据对比。点击上方公司名可切换其他公司
REV Group, Inc.的季度营收约是Fair Isaac的1.3倍（$664.4M vs $512.0M），Fair Isaac净利率更高（30.9% vs 4.3%，领先26.6%），Fair Isaac同比增速更快（16.4% vs 11.1%），Fair Isaac自由现金流更多（$173.9M vs $53.7M），过去两年Fair Isaac的营收复合增速更高（8.6% vs 6.5%）
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。
REV Group是一家美国智能语音转文字服务提供商，总部位于旧金山和奥斯汀，成立于2010年，核心业务涵盖隐藏字幕制作、多语言字幕翻译及文字转录服务，曾获《PC Magazine》2018年编辑选择奖，2019年获评该杂志最佳转录服务提供商。
FICO vs REVG — 直观对比
营收规模更大
REVG
是对方的1.3倍
$512.0M
营收增速更快
FICO
高出5.2%
11.1%
净利率更高
FICO
高出26.6%
4.3%
自由现金流更多
FICO
多$120.2M
$53.7M
两年增速更快
FICO
近两年复合增速
6.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $664.4M |
| 净利润 | $158.4M | $28.9M |
| 毛利率 | 83.0% | 15.4% |
| 营业利润率 | 45.7% | 7.1% |
| 净利率 | 30.9% | 4.3% |
| 营收同比 | 16.4% | 11.1% |
| 净利润同比 | 3.8% | -30.7% |
| 每股收益（稀释后） | $6.61 | $0.57 |
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FICOREVG
| Q4 25 | $512.0M | $664.4M | ||
| Q3 25 | $515.8M | $644.9M | ||
| Q2 25 | $536.4M | $629.1M | ||
| Q1 25 | $498.7M | $525.1M | ||
| Q4 24 | $440.0M | $597.9M | ||
| Q3 24 | $453.8M | $579.4M | ||
| Q2 24 | $447.8M | $616.9M | ||
| Q1 24 | $433.8M | $586.0M |
净利润FICOREVG
| Q4 25 | $158.4M | $28.9M | ||
| Q3 25 | $155.0M | $29.1M | ||
| Q2 25 | $181.8M | $19.0M | ||
| Q1 25 | $162.6M | $18.2M | ||
| Q4 24 | $152.5M | $41.7M | ||
| Q3 24 | $135.7M | $18.0M | ||
| Q2 24 | $126.3M | $15.2M | ||
| Q1 24 | $129.8M | $182.7M |
毛利率FICOREVG
| Q4 25 | 83.0% | 15.4% | ||
| Q3 25 | 82.3% | 15.8% | ||
| Q2 25 | 83.7% | 15.2% | ||
| Q1 25 | 82.4% | 13.3% | ||
| Q4 24 | 80.1% | 13.2% | ||
| Q3 24 | 80.3% | 13.5% | ||
| Q2 24 | 80.3% | 12.5% | ||
| Q1 24 | 80.0% | 10.7% |
营业利润率FICOREVG
| Q4 25 | 45.7% | 7.1% | ||
| Q3 25 | 46.0% | 8.8% | ||
| Q2 25 | 48.9% | 7.9% | ||
| Q1 25 | 49.3% | 5.3% | ||
| Q4 24 | 40.8% | 5.8% | ||
| Q3 24 | 43.4% | 4.9% | ||
| Q2 24 | 42.5% | 3.7% | ||
| Q1 24 | 44.9% | -1.1% |
净利率FICOREVG
| Q4 25 | 30.9% | 4.3% | ||
| Q3 25 | 30.1% | 4.5% | ||
| Q2 25 | 33.9% | 3.0% | ||
| Q1 25 | 32.6% | 3.5% | ||
| Q4 24 | 34.7% | 7.0% | ||
| Q3 24 | 29.9% | 3.1% | ||
| Q2 24 | 28.2% | 2.5% | ||
| Q1 24 | 29.9% | 31.2% |
每股收益（稀释后）FICOREVG
| Q4 25 | $6.61 | $0.57 | ||
| Q3 25 | $6.41 | $0.59 | ||
| Q2 25 | $7.40 | $0.38 | ||
| Q1 25 | $6.59 | $0.35 | ||
| Q4 24 | $6.14 | $1.03 | ||
| Q3 24 | $5.44 | $0.35 | ||
| Q2 24 | $5.05 | $0.28 | ||
| Q1 24 | $5.16 | $3.06 |
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 | $34.7M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $416.3M |
| 总资产 | $1.9B | $1.2B |
| 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FICOREVG
| Q4 25 | $162.0M | $34.7M | ||
| Q3 25 | $134.1M | $36.0M | ||
| Q2 25 | $189.0M | $28.8M | ||
| Q1 25 | $146.6M | $31.6M | ||
| Q4 24 | $184.3M | $24.6M | ||
| Q3 24 | $150.7M | $50.5M | ||
| Q2 24 | $156.0M | $38.2M | ||
| Q1 24 | $135.7M | $87.9M |
总债务FICOREVG
| 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FICOREVG
| Q4 25 | $-1.8B | $416.3M | ||
| Q3 25 | $-1.7B | $387.3M | ||
| Q2 25 | $-1.4B | $357.8M | ||
| Q1 25 | $-1.1B | $428.8M | ||
| Q4 24 | $-1.1B | $435.1M | ||
| Q3 24 | $-962.7M | $394.6M | ||
| Q2 24 | $-829.3M | $379.7M | ||
| Q1 24 | $-735.7M | $496.1M |
总资产FICOREVG
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.9B | $1.2B | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.8B | $1.2B | ||
| Q4 24 | $1.7B | $1.2B | ||
| Q3 24 | $1.7B | $1.3B | ||
| Q2 24 | $1.7B | $1.3B | ||
| Q1 24 | $1.7B | $1.4B |
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 | $76.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $53.7M |
| 自由现金流率自由现金流/营收 | 34.0% | 8.1% |
| 资本支出强度资本支出/营收 | 0.0% | 3.5% |
| 现金转化率经营现金流/净利润 | 1.10× | 2.66× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $190.0M |
8季度趋势，按日历期对齐
经营现金流FICOREVG
| Q4 25 | $174.1M | $76.9M | ||
| Q3 25 | $223.7M | $60.3M | ||
| Q2 25 | $286.2M | $117.0M | ||
| Q1 25 | $74.9M | $-13.1M | ||
| Q4 24 | $194.0M | $68.6M | ||
| Q3 24 | $226.5M | $14.4M | ||
| Q2 24 | $213.3M | $40.1M | ||
| Q1 24 | $71.0M | $-69.7M |
自由现金流FICOREVG
| Q4 25 | $173.9M | $53.7M | ||
| Q3 25 | $219.5M | $48.7M | ||
| Q2 25 | $284.4M | $105.6M | ||
| Q1 25 | $72.8M | $-18.0M | ||
| Q4 24 | $193.2M | $63.3M | ||
| Q3 24 | $224.7M | $8.5M | ||
| Q2 24 | $211.6M | $34.2M | ||
| Q1 24 | $67.0M | $-80.2M |
自由现金流率FICOREVG
| Q4 25 | 34.0% | 8.1% | ||
| Q3 25 | 42.6% | 7.6% | ||
| Q2 25 | 53.0% | 16.8% | ||
| Q1 25 | 14.6% | -3.4% | ||
| Q4 24 | 43.9% | 10.6% | ||
| Q3 24 | 49.5% | 1.5% | ||
| Q2 24 | 47.2% | 5.5% | ||
| Q1 24 | 15.4% | -13.7% |
资本支出强度FICOREVG
| Q4 25 | 0.0% | 3.5% | ||
| Q3 25 | 0.8% | 1.8% | ||
| Q2 25 | 0.3% | 1.8% | ||
| Q1 25 | 0.4% | 0.9% | ||
| Q4 24 | 0.2% | 0.9% | ||
| Q3 24 | 0.4% | 1.0% | ||
| Q2 24 | 0.4% | 1.0% | ||
| Q1 24 | 0.9% | 1.8% |
现金转化率FICOREVG
| Q4 25 | 1.10× | 2.66× | ||
| Q3 25 | 1.44× | 2.07× | ||
| Q2 25 | 1.57× | 6.16× | ||
| Q1 25 | 0.46× | -0.72× | ||
| Q4 24 | 1.27× | 1.65× | ||
| Q3 24 | 1.67× | 0.80× | ||
| Q2 24 | 1.69× | 2.64× | ||
| Q1 24 | 0.55× | -0.38× |
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% |
REVG
| Specialty Vehicles | $507.4M | 76% |
| Recreational Vehicles | $157.2M | 24% |
