vs
Fair Isaac（FICO）与SUN COMMUNITIES INC（SUI）财务数据对比。点击上方公司名可切换其他公司
SUN COMMUNITIES INC的季度营收约是Fair Isaac的1.4倍（$697.2M vs $512.0M），Fair Isaac净利率更高（30.9% vs 1.7%，领先29.2%），Fair Isaac同比增速更快（16.4% vs -25.8%），过去两年Fair Isaac的营收复合增速更高（8.6% vs -2.1%）
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。
Sun Communities是一家上市房地产投资信托基金，核心投资品类为预制住宅社区及房车营地物业。截至2025年6月2日，该公司在美国、加拿大、英国三地合计持有500处相关资产的权益，专注于居住及休闲类不动产投资领域。
FICO vs SUI — 直观对比
营收规模更大
SUI
是对方的1.4倍
$512.0M
营收增速更快
FICO
高出42.2%
-25.8%
净利率更高
FICO
高出29.2%
1.7%
两年增速更快
FICO
近两年复合增速
-2.1%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $697.2M |
| 净利润 | $158.4M | $12.1M |
| 毛利率 | 83.0% | — |
| 营业利润率 | 45.7% | — |
| 净利率 | 30.9% | 1.7% |
| 营收同比 | 16.4% | -25.8% |
| 净利润同比 | 3.8% | -96.0% |
| 每股收益（稀释后） | $6.61 | $0.07 |
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FICOSUI
| Q4 25 | $512.0M | — | ||
| Q3 25 | $515.8M | $697.2M | ||
| Q2 25 | $536.4M | $623.5M | ||
| Q1 25 | $498.7M | $470.2M | ||
| Q4 24 | $440.0M | $745.9M | ||
| Q3 24 | $453.8M | $939.9M | ||
| Q2 24 | $447.8M | $864.0M | ||
| Q1 24 | $433.8M | $671.3M |
净利润FICOSUI
| Q4 25 | $158.4M | — | ||
| Q3 25 | $155.0M | $12.1M | ||
| Q2 25 | $181.8M | $1.3B | ||
| Q1 25 | $162.6M | $-41.2M | ||
| Q4 24 | $152.5M | $-228.4M | ||
| Q3 24 | $135.7M | $300.5M | ||
| Q2 24 | $126.3M | $56.7M | ||
| Q1 24 | $129.8M | $-25.2M |
毛利率FICOSUI
| Q4 25 | 83.0% | — | ||
| Q3 25 | 82.3% | — | ||
| Q2 25 | 83.7% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 80.1% | — | ||
| Q3 24 | 80.3% | — | ||
| Q2 24 | 80.3% | — | ||
| Q1 24 | 80.0% | — |
营业利润率FICOSUI
| Q4 25 | 45.7% | — | ||
| Q3 25 | 46.0% | — | ||
| Q2 25 | 48.9% | — | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 40.8% | — | ||
| Q3 24 | 43.4% | — | ||
| Q2 24 | 42.5% | — | ||
| Q1 24 | 44.9% | — |
净利率FICOSUI
| Q4 25 | 30.9% | — | ||
| Q3 25 | 30.1% | 1.7% | ||
| Q2 25 | 33.9% | 210.8% | ||
| Q1 25 | 32.6% | -8.8% | ||
| Q4 24 | 34.7% | -30.6% | ||
| Q3 24 | 29.9% | 32.0% | ||
| Q2 24 | 28.2% | 6.6% | ||
| Q1 24 | 29.9% | -3.8% |
每股收益（稀释后）FICOSUI
| Q4 25 | $6.61 | — | ||
| Q3 25 | $6.41 | $0.07 | ||
| Q2 25 | $7.40 | $10.02 | ||
| Q1 25 | $6.59 | $-0.34 | ||
| Q4 24 | $6.14 | $-1.80 | ||
| Q3 24 | $5.44 | $2.31 | ||
| Q2 24 | $5.05 | $0.42 | ||
| Q1 24 | $5.16 | $-0.22 |
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 | $542.7M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $-1.8B | $7.0B |
| 总资产 | $1.9B | $12.8B |
| 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FICOSUI
| Q4 25 | $162.0M | — | ||
| Q3 25 | $134.1M | $542.7M | ||
| Q2 25 | $189.0M | $889.7M | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $184.3M | $47.4M | ||
| Q3 24 | $150.7M | — | ||
| Q2 24 | $156.0M | — | ||
| Q1 24 | $135.7M | — |
总债务FICOSUI
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.1B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.4B | $7.4B | ||
| Q3 24 | $2.2B | — | ||
| Q2 24 | $2.1B | — | ||
| Q1 24 | $2.0B | — |
股东权益FICOSUI
| Q4 25 | $-1.8B | — | ||
| Q3 25 | $-1.7B | $7.0B | ||
| Q2 25 | $-1.4B | $7.4B | ||
| Q1 25 | $-1.1B | $6.9B | ||
| Q4 24 | $-1.1B | $7.1B | ||
| Q3 24 | $-962.7M | $7.5B | ||
| Q2 24 | $-829.3M | $6.9B | ||
| Q1 24 | $-735.7M | $6.9B |
总资产FICOSUI
| Q4 25 | $1.9B | — | ||
| Q3 25 | $1.9B | $12.8B | ||
| Q2 25 | $1.9B | $13.4B | ||
| Q1 25 | $1.8B | $16.5B | ||
| Q4 24 | $1.7B | $16.5B | ||
| Q3 24 | $1.7B | $17.1B | ||
| Q2 24 | $1.7B | $17.0B | ||
| Q1 24 | $1.7B | $17.1B |
负债/权益比FICOSUI
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $197.8M |
| 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% | — |
| 现金转化率经营现金流/净利润 | 1.10× | 16.35× |
| 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FICOSUI
| Q4 25 | $174.1M | — | ||
| Q3 25 | $223.7M | $197.8M | ||
| Q2 25 | $286.2M | $256.0M | ||
| Q1 25 | $74.9M | $243.9M | ||
| Q4 24 | $194.0M | $118.0M | ||
| Q3 24 | $226.5M | $189.2M | ||
| Q2 24 | $213.3M | $311.3M | ||
| Q1 24 | $71.0M | $242.5M |
自由现金流FICOSUI
| Q4 25 | $173.9M | — | ||
| Q3 25 | $219.5M | — | ||
| Q2 25 | $284.4M | — | ||
| Q1 25 | $72.8M | — | ||
| Q4 24 | $193.2M | — | ||
| Q3 24 | $224.7M | — | ||
| Q2 24 | $211.6M | — | ||
| Q1 24 | $67.0M | — |
自由现金流率FICOSUI
| Q4 25 | 34.0% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 53.0% | — | ||
| Q1 25 | 14.6% | — | ||
| Q4 24 | 43.9% | — | ||
| Q3 24 | 49.5% | — | ||
| Q2 24 | 47.2% | — | ||
| Q1 24 | 15.4% | — |
资本支出强度FICOSUI
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.9% | — |
现金转化率FICOSUI
| Q4 25 | 1.10× | — | ||
| Q3 25 | 1.44× | 16.35× | ||
| Q2 25 | 1.57× | 0.19× | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 1.27× | — | ||
| Q3 24 | 1.67× | 0.63× | ||
| Q2 24 | 1.69× | 5.49× | ||
| 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% |
SUI
暂无分部数据
