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Fair Isaac（FICO）与Ubiquiti Inc.（UI）财务数据对比。点击上方公司名可切换其他公司
Ubiquiti Inc.的季度营收约是Fair Isaac的1.6倍（$814.9M vs $512.0M），Fair Isaac净利率更高（30.9% vs 28.7%，领先2.3%），Ubiquiti Inc.同比增速更快（35.8% vs 16.4%），Ubiquiti Inc.自由现金流更多（$260.3M vs $173.9M），过去两年Ubiquiti Inc.的营收复合增速更高（28.6% 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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
FICO vs UI — 直观对比
营收规模更大
UI
是对方的1.6倍
$512.0M
营收增速更快
UI
高出19.5%
16.4%
净利率更高
FICO
高出2.3%
28.7%
自由现金流更多
UI
多$86.4M
$173.9M
两年增速更快
UI
近两年复合增速
8.6%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $512.0M | $814.9M |
| 净利润 | $158.4M | $233.6M |
| 毛利率 | 83.0% | 45.9% |
| 营业利润率 | 45.7% | 35.9% |
| 净利率 | 30.9% | 28.7% |
| 营收同比 | 16.4% | 35.8% |
| 净利润同比 | 3.8% | 70.8% |
| 每股收益（稀释后） | $6.61 | $3.86 |
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FICOUI
| Q4 25 | $512.0M | $814.9M | ||
| Q3 25 | $515.8M | $733.8M | ||
| Q2 25 | $536.4M | $759.2M | ||
| Q1 25 | $498.7M | $664.2M | ||
| Q4 24 | $440.0M | $599.9M | ||
| Q3 24 | $453.8M | $550.3M | ||
| Q2 24 | $447.8M | $507.5M | ||
| Q1 24 | $433.8M | $493.0M |
净利润FICOUI
| Q4 25 | $158.4M | $233.6M | ||
| Q3 25 | $155.0M | $207.9M | ||
| Q2 25 | $181.8M | $266.7M | ||
| Q1 25 | $162.6M | $180.4M | ||
| Q4 24 | $152.5M | $136.8M | ||
| Q3 24 | $135.7M | $128.0M | ||
| Q2 24 | $126.3M | $103.8M | ||
| Q1 24 | $129.8M | $76.3M |
毛利率FICOUI
| Q4 25 | 83.0% | 45.9% | ||
| Q3 25 | 82.3% | 46.0% | ||
| Q2 25 | 83.7% | 45.1% | ||
| Q1 25 | 82.4% | 44.5% | ||
| Q4 24 | 80.1% | 41.2% | ||
| Q3 24 | 80.3% | 42.1% | ||
| Q2 24 | 80.3% | 40.2% | ||
| Q1 24 | 80.0% | 35.3% |
营业利润率FICOUI
| Q4 25 | 45.7% | 35.9% | ||
| Q3 25 | 46.0% | 35.7% | ||
| Q2 25 | 48.9% | 34.4% | ||
| Q1 25 | 49.3% | 34.2% | ||
| Q4 24 | 40.8% | 29.8% | ||
| Q3 24 | 43.4% | 30.7% | ||
| Q2 24 | 42.5% | 27.3% | ||
| Q1 24 | 44.9% | 22.6% |
净利率FICOUI
| Q4 25 | 30.9% | 28.7% | ||
| Q3 25 | 30.1% | 28.3% | ||
| Q2 25 | 33.9% | 35.1% | ||
| Q1 25 | 32.6% | 27.2% | ||
| Q4 24 | 34.7% | 22.8% | ||
| Q3 24 | 29.9% | 23.3% | ||
| Q2 24 | 28.2% | 20.5% | ||
| Q1 24 | 29.9% | 15.5% |
每股收益（稀释后）FICOUI
| Q4 25 | $6.61 | $3.86 | ||
| Q3 25 | $6.41 | $3.43 | ||
| Q2 25 | $7.40 | $4.40 | ||
| Q1 25 | $6.59 | $2.98 | ||
| Q4 24 | $6.14 | $2.26 | ||
| Q3 24 | $5.44 | $2.12 | ||
| Q2 24 | $5.05 | $1.72 | ||
| Q1 24 | $5.16 | $1.26 |
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 | $302.8M |
| 总债务越低越好 | $3.2B | $47.5M |
| 股东权益账面价值 | $-1.8B | $1.0B |
| 总资产 | $1.9B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资FICOUI
| Q4 25 | $162.0M | $302.8M | ||
| Q3 25 | $134.1M | $177.2M | ||
| Q2 25 | $189.0M | $149.7M | ||
| Q1 25 | $146.6M | $151.0M | ||
| Q4 24 | $184.3M | $133.1M | ||
| Q3 24 | $150.7M | $165.2M | ||
| Q2 24 | $156.0M | $126.3M | ||
| Q1 24 | $135.7M | $102.5M |
总债务FICOUI
| Q4 25 | $3.2B | $47.5M | ||
| Q3 25 | $3.1B | $133.8M | ||
| Q2 25 | $2.8B | $250.0M | ||
| Q1 25 | $2.5B | $340.0M | ||
| Q4 24 | $2.4B | $406.3M | ||
| Q3 24 | $2.2B | $552.5M | ||
| Q2 24 | $2.1B | $708.1M | ||
| Q1 24 | $2.0B | $877.5M |
股东权益FICOUI
| Q4 25 | $-1.8B | $1.0B | ||
| Q3 25 | $-1.7B | $828.4M | ||
| Q2 25 | $-1.4B | $668.3M | ||
| Q1 25 | $-1.1B | $436.1M | ||
| Q4 24 | $-1.1B | $290.4M | ||
| Q3 24 | $-962.7M | $188.1M | ||
| Q2 24 | $-829.3M | $95.1M | ||
| Q1 24 | $-735.7M | $25.9M |
总资产FICOUI
| Q4 25 | $1.9B | $1.6B | ||
| Q3 25 | $1.9B | $1.5B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.7B | $1.2B | ||
| Q3 24 | $1.7B | $1.2B | ||
| Q2 24 | $1.7B | $1.2B | ||
| Q1 24 | $1.7B | $1.2B |
负债/权益比FICOUI
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.16× | ||
| Q2 25 | — | 0.37× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 1.40× | ||
| Q3 24 | — | 2.94× | ||
| Q2 24 | — | 7.45× | ||
| Q1 24 | — | 33.92× |
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 | $263.9M |
| 自由现金流经营现金流 - 资本支出 | $173.9M | $260.3M |
| 自由现金流率自由现金流/营收 | 34.0% | 31.9% |
| 资本支出强度资本支出/营收 | 0.0% | 0.4% |
| 现金转化率经营现金流/净利润 | 1.10× | 1.13× |
| 过去12个月自由现金流最近4个季度 | $750.6M | $699.5M |
8季度趋势，按日历期对齐
经营现金流FICOUI
| Q4 25 | $174.1M | $263.9M | ||
| Q3 25 | $223.7M | $198.5M | ||
| Q2 25 | $286.2M | $130.4M | ||
| Q1 25 | $74.9M | $123.6M | ||
| Q4 24 | $194.0M | $152.4M | ||
| Q3 24 | $226.5M | $233.7M | ||
| Q2 24 | $213.3M | $231.4M | ||
| Q1 24 | $71.0M | $163.9M |
自由现金流FICOUI
| Q4 25 | $173.9M | $260.3M | ||
| Q3 25 | $219.5M | $193.3M | ||
| Q2 25 | $284.4M | $125.2M | ||
| Q1 25 | $72.8M | $120.7M | ||
| Q4 24 | $193.2M | $150.4M | ||
| Q3 24 | $224.7M | $231.1M | ||
| Q2 24 | $211.6M | $229.5M | ||
| Q1 24 | $67.0M | $160.6M |
自由现金流率FICOUI
| Q4 25 | 34.0% | 31.9% | ||
| Q3 25 | 42.6% | 26.3% | ||
| Q2 25 | 53.0% | 16.5% | ||
| Q1 25 | 14.6% | 18.2% | ||
| Q4 24 | 43.9% | 25.1% | ||
| Q3 24 | 49.5% | 42.0% | ||
| Q2 24 | 47.2% | 45.2% | ||
| Q1 24 | 15.4% | 32.6% |
资本支出强度FICOUI
| Q4 25 | 0.0% | 0.4% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.3% | 0.7% | ||
| Q1 25 | 0.4% | 0.4% | ||
| Q4 24 | 0.2% | 0.3% | ||
| Q3 24 | 0.4% | 0.5% | ||
| Q2 24 | 0.4% | 0.4% | ||
| Q1 24 | 0.9% | 0.7% |
现金转化率FICOUI
| Q4 25 | 1.10× | 1.13× | ||
| Q3 25 | 1.44× | 0.95× | ||
| Q2 25 | 1.57× | 0.49× | ||
| Q1 25 | 0.46× | 0.68× | ||
| Q4 24 | 1.27× | 1.11× | ||
| Q3 24 | 1.67× | 1.83× | ||
| Q2 24 | 1.69× | 2.23× | ||
| Q1 24 | 0.55× | 2.15× |
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% |
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
