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Fair Isaac（FICO）与Revolve Group, Inc.（RVLV）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Revolve Group, Inc.的1.6倍（$512.0M vs $324.4M），Fair Isaac净利率更高（30.9% vs 5.7%，领先25.2%），Fair Isaac同比增速更快（16.4% vs 10.4%），Fair Isaac自由现金流更多（$173.9M vs $-13.3M），过去两年Revolve Group, Inc.的营收复合增速更高（9.5% 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。
Revolve Theatre Company是总部位于英国泰晤士河畔亨利的剧团，专注于创作演出政治题材和莎士比亚系列戏剧作品，由奥利弗·登奇、乔·莫里斯与汤姆·史密斯共同创立运营。
FICO vs RVLV — 直观对比
营收规模更大
FICO
是对方的1.6倍
$324.4M
营收增速更快
FICO
高出5.9%
10.4%
净利率更高
FICO
高出25.2%
5.7%
自由现金流更多
FICO
多$187.1M
$-13.3M
两年增速更快
RVLV
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $324.4M |
| 净利润 | $158.4M | $18.6M |
| 毛利率 | 83.0% | 53.3% |
| 营业利润率 | 45.7% | 6.3% |
| 净利率 | 30.9% | 5.7% |
| 营收同比 | 16.4% | 10.4% |
| 净利润同比 | 3.8% | 50.4% |
| 每股收益（稀释后） | $6.61 | $0.27 |
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FICORVLV
| Q4 25 | $512.0M | $324.4M | ||
| Q3 25 | $515.8M | $295.6M | ||
| Q2 25 | $536.4M | $309.0M | ||
| Q1 25 | $498.7M | $296.7M | ||
| Q4 24 | $440.0M | $293.7M | ||
| Q3 24 | $453.8M | $283.1M | ||
| Q2 24 | $447.8M | $282.5M | ||
| Q1 24 | $433.8M | $270.6M |
净利润FICORVLV
| Q4 25 | $158.4M | $18.6M | ||
| Q3 25 | $155.0M | $21.2M | ||
| Q2 25 | $181.8M | $10.2M | ||
| Q1 25 | $162.6M | $11.8M | ||
| Q4 24 | $152.5M | $12.3M | ||
| Q3 24 | $135.7M | $11.0M | ||
| Q2 24 | $126.3M | $15.4M | ||
| Q1 24 | $129.8M | $10.9M |
毛利率FICORVLV
| Q4 25 | 83.0% | 53.3% | ||
| Q3 25 | 82.3% | 54.6% | ||
| Q2 25 | 83.7% | 54.1% | ||
| Q1 25 | 82.4% | 52.0% | ||
| Q4 24 | 80.1% | 52.5% | ||
| Q3 24 | 80.3% | 51.2% | ||
| Q2 24 | 80.3% | 54.0% | ||
| Q1 24 | 80.0% | 52.3% |
营业利润率FICORVLV
| Q4 25 | 45.7% | 6.3% | ||
| Q3 25 | 46.0% | 7.1% | ||
| Q2 25 | 48.9% | 5.8% | ||
| Q1 25 | 49.3% | 5.0% | ||
| Q4 24 | 40.8% | 3.9% | ||
| Q3 24 | 43.4% | 5.0% | ||
| Q2 24 | 42.5% | 5.8% | ||
| Q1 24 | 44.9% | 3.4% |
净利率FICORVLV
| Q4 25 | 30.9% | 5.7% | ||
| Q3 25 | 30.1% | 7.2% | ||
| Q2 25 | 33.9% | 3.3% | ||
| Q1 25 | 32.6% | 4.0% | ||
| Q4 24 | 34.7% | 4.2% | ||
| Q3 24 | 29.9% | 3.9% | ||
| Q2 24 | 28.2% | 5.4% | ||
| Q1 24 | 29.9% | 4.0% |
每股收益（稀释后）FICORVLV
| Q4 25 | $6.61 | $0.27 | ||
| Q3 25 | $6.41 | $0.29 | ||
| Q2 25 | $7.40 | $0.14 | ||
| Q1 25 | $6.59 | $0.16 | ||
| Q4 24 | $6.14 | $0.18 | ||
| Q3 24 | $5.44 | $0.15 | ||
| Q2 24 | $5.05 | $0.21 | ||
| Q1 24 | $5.16 | $0.15 |
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 | $292.3M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $512.5M |
| 总资产 | $1.9B | $765.0M |
| 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FICORVLV
| Q4 25 | $162.0M | $292.3M | ||
| Q3 25 | $134.1M | $315.4M | ||
| Q2 25 | $189.0M | $310.7M | ||
| Q1 25 | $146.6M | $300.8M | ||
| Q4 24 | $184.3M | $256.6M | ||
| Q3 24 | $150.7M | $252.8M | ||
| Q2 24 | $156.0M | $244.7M | ||
| Q1 24 | $135.7M | $273.4M |
总债务FICORVLV
| 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FICORVLV
| Q4 25 | $-1.8B | $512.5M | ||
| Q3 25 | $-1.7B | $490.2M | ||
| Q2 25 | $-1.4B | $468.6M | ||
| Q1 25 | $-1.1B | $453.4M | ||
| Q4 24 | $-1.1B | $437.8M | ||
| Q3 24 | $-962.7M | $420.8M | ||
| Q2 24 | $-829.3M | $405.8M | ||
| Q1 24 | $-735.7M | $389.9M |
总资产FICORVLV
| Q4 25 | $1.9B | $765.0M | ||
| Q3 25 | $1.9B | $751.3M | ||
| Q2 25 | $1.9B | $722.9M | ||
| Q1 25 | $1.8B | $713.9M | ||
| Q4 24 | $1.7B | $665.5M | ||
| Q3 24 | $1.7B | $670.9M | ||
| Q2 24 | $1.7B | $657.8M | ||
| Q1 24 | $1.7B | $650.0M |
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 | $-10.2M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $-13.3M |
| 自由现金流率自由现金流/营收 | 34.0% | -4.1% |
| 资本支出强度资本支出/营收 | 0.0% | 1.0% |
| 现金转化率经营现金流/净利润 | 1.10× | -0.55× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $48.0M |
8季度趋势，按日历期对齐
经营现金流FICORVLV
| Q4 25 | $174.1M | $-10.2M | ||
| Q3 25 | $223.7M | $11.8M | ||
| Q2 25 | $286.2M | $12.6M | ||
| Q1 25 | $74.9M | $45.1M | ||
| Q4 24 | $194.0M | $3.9M | ||
| Q3 24 | $226.5M | $9.1M | ||
| Q2 24 | $213.3M | $-24.7M | ||
| Q1 24 | $71.0M | $38.4M |
自由现金流FICORVLV
| Q4 25 | $173.9M | $-13.3M | ||
| Q3 25 | $219.5M | $7.5M | ||
| Q2 25 | $284.4M | $10.4M | ||
| Q1 25 | $72.8M | $43.4M | ||
| Q4 24 | $193.2M | $2.1M | ||
| Q3 24 | $224.7M | $8.0M | ||
| Q2 24 | $211.6M | $-25.7M | ||
| Q1 24 | $67.0M | $36.7M |
自由现金流率FICORVLV
| Q4 25 | 34.0% | -4.1% | ||
| Q3 25 | 42.6% | 2.5% | ||
| Q2 25 | 53.0% | 3.4% | ||
| Q1 25 | 14.6% | 14.6% | ||
| Q4 24 | 43.9% | 0.7% | ||
| Q3 24 | 49.5% | 2.8% | ||
| Q2 24 | 47.2% | -9.1% | ||
| Q1 24 | 15.4% | 13.5% |
资本支出强度FICORVLV
| Q4 25 | 0.0% | 1.0% | ||
| Q3 25 | 0.8% | 1.5% | ||
| Q2 25 | 0.3% | 0.7% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 0.2% | 0.6% | ||
| Q3 24 | 0.4% | 0.4% | ||
| Q2 24 | 0.4% | 0.4% | ||
| Q1 24 | 0.9% | 0.6% |
现金转化率FICORVLV
| Q4 25 | 1.10× | -0.55× | ||
| Q3 25 | 1.44× | 0.56× | ||
| Q2 25 | 1.57× | 1.24× | ||
| Q1 25 | 0.46× | 3.82× | ||
| Q4 24 | 1.27× | 0.32× | ||
| Q3 24 | 1.67× | 0.83× | ||
| Q2 24 | 1.69× | -1.60× | ||
| Q1 24 | 0.55× | 3.53× |
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% |
RVLV
| Fashion Apparel | $155.1M | 48% |
| Dresses | $76.4M | 24% |
| Handbags Shoes And Accessories | $67.6M | 21% |
| Beauty | $20.3M | 6% |
| Manufactured Product Other | $5.0M | 2% |
| Breakage On Store Credit And Gift Cards | $900.0K | 0% |
