ADBE vs. FICO: Adobe vs. Fair Isaac Stock Comparison
How do Adobe (ADBE) and Fair Isaac (FICO) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Adobe (ADBE) and Fair Isaac (FICO) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.
| Profile Item | ADBE | FICO |
|---|---|---|
| Name | Adobe Inc. | Fair Isaac Corp. |
| Country/Region | United States | United States |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry Group | Software & Services | Software & Services |
| GICS Industry | Software | Software |
| GICS Sub-Industry | Application Software | Application Software |
| Market Capitalization | 93.14 billion USD | 15.22 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | August 13, 1986 | July 22, 1987 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ADBE | FICO |
|---|---|---|
| Total Return (1Y) | -27.09% | -58.54% |
| Total Return (3Y, Annualized) | -25.55% | -9.17% |
| Total Return (5Y, Annualized) | -18.62% | 12.31% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ADBE | FICO |
|---|---|---|
| Volatility (1Y, Annualized) | 41.62% | 63.29% |
| Beta (5Y) | 1.38 | 1.33 |
| Max Drawdown (5Y) | -71.90% | -75.13% |
| Avg. Volume (3M) | 4.61M | 759.34K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ADBE | FICO |
|---|---|---|
| Sharpe Ratio (1Y) | -0.75 | -0.99 |
| Sortino Ratio (1Y) | -1.04 | -1.20 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Adobe (ADBE) earns 61.90% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.
ADBE
Software & Services industry group
61.90%
- ADBE
- 61.90%
- Max
- 53.85%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
FICO
Software & Services industry group
--
- Max
- 53.85%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
- FICO
- --
Net Margin (TTM)
For every dollar of sales, both Adobe (ADBE) at 28.05% and Fair Isaac (FICO) at 32.94% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
ADBE
Software & Services industry group
28.05%
- Max
- 41.17%
- ADBE
- 28.05%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
FICO
Software & Services industry group
32.94%
- Max
- 41.17%
- FICO
- 32.94%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Both Adobe (ADBE) at 34.82% and Fair Isaac (FICO) at 44.72% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.
ADBE
Software & Services industry group
34.82%
- Max
- 46.89%
- ADBE
- 34.82%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
FICO
Software & Services industry group
44.72%
- Max
- 46.89%
- FICO
- 44.72%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | ADBE | FICO |
|---|---|---|
| ROE (TTM) | 61.90% | -- |
| ROA (TTM) | 20.08% | 40.99% |
| Net Margin (TTM) | 28.05% | 32.94% |
| Operating Margin (TTM) | 34.82% | 44.72% |
| Gross Margin (TTM) | 89.25% | 86.13% |
Growth
Revenue Growth
Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Adobe (ADBE) at 10.53% is closer to the peer norm — faster top-line expansion for FICO.
EPS Growth
Both Adobe (ADBE) at 35.11% and Fair Isaac (FICO) at 36.85% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ADBE | FICO |
|---|---|---|
| Revenue Growth (YoY) | 10.53% | 27.33% |
| Revenue Growth (3Y CAGR) | 10.52% | 18.76% |
| EPS Growth (YoY) | 35.11% | 36.85% |
| EPS Growth (3Y CAGR) | 18.25% | 28.97% |
Financial Strength
Current Ratio (MRQ)
Both Adobe (ADBE) at 0.77 and Fair Isaac (FICO) at 0.99 run current ratio in the tighter-liquidity quartile of industry peers, leaving thinner cushions against current liabilities than typical competitors.
ADBE
Software & Services industry group
0.77
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- ADBE
- 0.77
- Min
- 0.03
FICO
Software & Services industry group
0.99
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- FICO
- 0.99
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: Adobe (ADBE) carries debt-to-equity ratio of 0.58 against its industry range, while Fair Isaac (FICO) reports no figure this period.
ADBE
Software & Services industry group
0.58
- Max
- 2.52
- Q3
- 1.13
- ADBE
- 0.58
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
FICO
Software & Services industry group
--
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
- FICO
- --
Financial Strength Metrics
| Metric | ADBE | FICO |
|---|---|---|
| Current Ratio (MRQ) | 0.77 | 0.99 |
| Debt / Equity (MRQ) | 0.58 | -- |
| Net Debt / EBITDA | 0.12 | 3.86 |
Dividends
Dividend Yield (TTM)
Neither Adobe (ADBE) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
ADBE
Software & Services industry group
0.00%
- ADBE
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO
Software & Services industry group
0.00%
- FICO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Adobe (ADBE) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
ADBE
Software & Services industry group
0.00%
- ADBE
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO
Software & Services industry group
0.00%
- FICO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ADBE | FICO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Adobe (ADBE) at 13.36 sits in the cheaper P/E ratio quartile, while Fair Isaac (FICO) at 19.40 is closer to its industry’s usual earnings multiple — a discount for ADBE, though growth and earnings durability still matter.
ADBE
Software & Services industry group
13.36
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- Q1
- 18.77
- ADBE
- 13.36
- Min
- 6.69
FICO
Software & Services industry group
19.40
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- FICO
- 19.40
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
On P/S ratio, both Adobe (ADBE) at 3.59 and Fair Isaac (FICO) at 6.00 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
ADBE
Software & Services industry group
3.59
- Max
- 17.91
- Q3
- 8.78
- Median
- 4.25
- ADBE
- 3.59
- Q1
- 2.23
- Min
- 0.02
FICO
Software & Services industry group
6.00
- Max
- 17.91
- Q3
- 8.78
- FICO
- 6.00
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
P/B Ratio (MRQ)
Fair Isaac (FICO) reports a negative P/B ratio of -3.90, meaning negative book equity — the multiple itself is not meaningful for valuation. Meanwhile Adobe (ADBE) reports 7.95, ranking against industry peers normally.
ADBE
Software & Services industry group
7.95
- Max
- 16.63
- Q3
- 8.50
- ADBE
- 7.95
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
FICO
Software & Services industry group
-3.90
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- FICO
- -3.90
- Min
- -3.90
Valuation Metrics
| Metric | ADBE | FICO |
|---|---|---|
| P/E Ratio (TTM) | 13.36 | 19.40 |
| P/S Ratio (TTM) | 3.59 | 6.00 |
| P/B Ratio (MRQ) | 7.95 | -3.90 |
| Free Cash Flow Yield (TTM) | 10.03% | 6.54% |