vs
Fair Isaac（FICO）与STERLING INFRASTRUCTURE, INC.（STRL）财务数据对比。点击上方公司名可切换其他公司
STERLING INFRASTRUCTURE, INC.的季度营收约是Fair Isaac的1.6倍（$825.7M vs $512.0M），Fair Isaac净利率更高（30.9% vs 11.6%，领先19.3%），STERLING INFRASTRUCTURE, INC.同比增速更快（91.6% vs 16.4%），过去两年STERLING INFRASTRUCTURE, INC.的营收复合增速更高（19.0% 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。
本公司是总部位于印度马哈拉施特拉邦孟买的跨国工程总承包（EPC）企业，业务覆盖可再生能源、数据中心、柴油发电、机电水暖（MEP）服务等多个领域，已在全球三十余个国家交付项目，执行团队遍布亚洲、中东、非洲、欧洲及澳大利亚。
FICO vs STRL — 直观对比
营收规模更大
STRL
是对方的1.6倍
$512.0M
营收增速更快
STRL
高出75.2%
16.4%
净利率更高
FICO
高出19.3%
11.6%
两年增速更快
STRL
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $825.7M |
| 净利润 | $158.4M | $96.0M |
| 毛利率 | 83.0% | 23.5% |
| 营业利润率 | 45.7% | 16.7% |
| 净利率 | 30.9% | 11.6% |
| 营收同比 | 16.4% | 91.6% |
| 净利润同比 | 3.8% | 143.1% |
| 每股收益（稀释后） | $6.61 | $3.09 |
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FICOSTRL
| Q1 26 | — | $825.7M | ||
| Q4 25 | $512.0M | $755.6M | ||
| Q3 25 | $515.8M | $689.0M | ||
| Q2 25 | $536.4M | $614.5M | ||
| Q1 25 | $498.7M | $430.9M | ||
| Q4 24 | $440.0M | $498.8M | ||
| Q3 24 | $453.8M | $593.7M | ||
| Q2 24 | $447.8M | $582.8M |
净利润FICOSTRL
| Q1 26 | — | $96.0M | ||
| Q4 25 | $158.4M | $87.6M | ||
| Q3 25 | $155.0M | $92.1M | ||
| Q2 25 | $181.8M | $71.0M | ||
| Q1 25 | $162.6M | $39.5M | ||
| Q4 24 | $152.5M | $113.2M | ||
| Q3 24 | $135.7M | $61.3M | ||
| Q2 24 | $126.3M | $51.9M |
毛利率FICOSTRL
| Q1 26 | — | 23.5% | ||
| Q4 25 | 83.0% | 21.7% | ||
| Q3 25 | 82.3% | 24.7% | ||
| Q2 25 | 83.7% | 23.3% | ||
| Q1 25 | 82.4% | 22.0% | ||
| Q4 24 | 80.1% | 21.4% | ||
| Q3 24 | 80.3% | 21.9% | ||
| Q2 24 | 80.3% | 19.3% |
营业利润率FICOSTRL
| Q1 26 | — | 16.7% | ||
| Q4 25 | 45.7% | 15.9% | ||
| Q3 25 | 46.0% | 18.2% | ||
| Q2 25 | 48.9% | 17.0% | ||
| Q1 25 | 49.3% | 13.0% | ||
| Q4 24 | 40.8% | 12.5% | ||
| Q3 24 | 43.4% | 14.7% | ||
| Q2 24 | 42.5% | 12.5% |
净利率FICOSTRL
| Q1 26 | — | 11.6% | ||
| Q4 25 | 30.9% | 11.6% | ||
| Q3 25 | 30.1% | 13.4% | ||
| Q2 25 | 33.9% | 11.6% | ||
| Q1 25 | 32.6% | 9.2% | ||
| Q4 24 | 34.7% | 22.7% | ||
| Q3 24 | 29.9% | 10.3% | ||
| Q2 24 | 28.2% | 8.9% |
每股收益（稀释后）FICOSTRL
| Q1 26 | — | $3.09 | ||
| Q4 25 | $6.61 | $2.82 | ||
| Q3 25 | $6.41 | $2.97 | ||
| Q2 25 | $7.40 | $2.31 | ||
| Q1 25 | $6.59 | $1.28 | ||
| Q4 24 | $6.14 | $3.63 | ||
| Q3 24 | $5.44 | $1.97 | ||
| Q2 24 | $5.05 | $1.67 |
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 | $511.9M |
| 总债务越低越好 | $3.2B | $287.5M |
| 股东权益账面价值 | $-1.8B | $1.2B |
| 总资产 | $1.9B | $2.8B |
| 负债/权益比越低杠杆越低 | — | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资FICOSTRL
| Q1 26 | — | $511.9M | ||
| Q4 25 | $162.0M | $390.7M | ||
| Q3 25 | $134.1M | $306.4M | ||
| Q2 25 | $189.0M | $699.4M | ||
| Q1 25 | $146.6M | $638.6M | ||
| Q4 24 | $184.3M | $664.2M | ||
| Q3 24 | $150.7M | $648.1M | ||
| Q2 24 | $156.0M | $540.0M |
总债务FICOSTRL
| Q1 26 | — | $287.5M | ||
| 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 | — |
股东权益FICOSTRL
| Q1 26 | — | $1.2B | ||
| Q4 25 | $-1.8B | $1.1B | ||
| Q3 25 | $-1.7B | $1.1B | ||
| Q2 25 | $-1.4B | $881.7M | ||
| Q1 25 | $-1.1B | $805.4M | ||
| Q4 24 | $-1.1B | $808.1M | ||
| Q3 24 | $-962.7M | $716.5M | ||
| Q2 24 | $-829.3M | $670.7M |
总资产FICOSTRL
| Q1 26 | — | $2.8B | ||
| Q4 25 | $1.9B | $2.6B | ||
| Q3 25 | $1.9B | $2.6B | ||
| Q2 25 | $1.9B | $2.2B | ||
| Q1 25 | $1.8B | $2.0B | ||
| Q4 24 | $1.7B | $2.0B | ||
| Q3 24 | $1.7B | $2.0B | ||
| Q2 24 | $1.7B | $2.0B |
负债/权益比FICOSTRL
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $165.6M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | — |
| 自由现金流率自由现金流/营收 | 34.0% | — |
| 资本支出强度资本支出/营收 | 0.0% | 2.4% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.73× |
| 过去12个月自由现金流最近4个季度 | $750.6M | — |
8季度趋势，按日历期对齐
经营现金流FICOSTRL
| Q1 26 | — | $165.6M | ||
| Q4 25 | $174.1M | $186.1M | ||
| Q3 25 | $223.7M | $83.6M | ||
| Q2 25 | $286.2M | $85.4M | ||
| Q1 25 | $74.9M | $84.9M | ||
| Q4 24 | $194.0M | $174.3M | ||
| Q3 24 | $226.5M | $152.3M | ||
| Q2 24 | $213.3M | $121.0M |
自由现金流FICOSTRL
| Q1 26 | — | — | ||
| Q4 25 | $173.9M | $159.7M | ||
| Q3 25 | $219.5M | $64.0M | ||
| Q2 25 | $284.4M | $72.1M | ||
| Q1 25 | $72.8M | $67.0M | ||
| Q4 24 | $193.2M | $158.6M | ||
| Q3 24 | $224.7M | $138.3M | ||
| Q2 24 | $211.6M | $92.1M |
自由现金流率FICOSTRL
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | 21.1% | ||
| Q3 25 | 42.6% | 9.3% | ||
| Q2 25 | 53.0% | 11.7% | ||
| Q1 25 | 14.6% | 15.5% | ||
| Q4 24 | 43.9% | 31.8% | ||
| Q3 24 | 49.5% | 23.3% | ||
| Q2 24 | 47.2% | 15.8% |
资本支出强度FICOSTRL
| Q1 26 | — | 2.4% | ||
| Q4 25 | 0.0% | 3.5% | ||
| Q3 25 | 0.8% | 2.9% | ||
| Q2 25 | 0.3% | 2.2% | ||
| Q1 25 | 0.4% | 4.2% | ||
| Q4 24 | 0.2% | 3.1% | ||
| Q3 24 | 0.4% | 2.4% | ||
| Q2 24 | 0.4% | 5.0% |
现金转化率FICOSTRL
| Q1 26 | — | 1.73× | ||
| Q4 25 | 1.10× | 2.12× | ||
| Q3 25 | 1.44× | 0.91× | ||
| Q2 25 | 1.57× | 1.20× | ||
| Q1 25 | 0.46× | 2.15× | ||
| Q4 24 | 1.27× | 1.54× | ||
| Q3 24 | 1.67× | 2.48× | ||
| Q2 24 | 1.69× | 2.33× |
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% |
STRL
| E-Infrastructure Solutions | $597.7M | 72% |
| Transportation Solutions | $132.9M | 16% |
| Building Solutions | $95.1M | 12% |
