APP vs. FICO: AppLovin vs. Fair Isaac Stock Comparison
How do AppLovin (APP) 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
AppLovin (APP) 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.
Fair Isaac (FICO) has more than two decades of public-market history since July 22, 1987, whereas AppLovin (APP) listed on April 15, 2021 and has a much shorter record to draw on.
| Profile Item | APP | FICO |
|---|---|---|
| Name | AppLovin Corporation Class A Common Stock | 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 | 129.62 billion USD | 15.22 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | April 15, 2021 | July 22, 1987 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | APP | FICO |
|---|---|---|
| Total Return (1Y) | -34.71% | -58.54% |
| Total Return (3Y, Annualized) | 116.87% | -9.17% |
| Total Return (5Y, Annualized) | 31.34% | 12.31% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | APP | FICO |
|---|---|---|
| Volatility (1Y, Annualized) | 80.36% | 63.29% |
| Beta (5Y) | 2.25 | 1.33 |
| Max Drawdown (5Y) | -91.90% | -75.13% |
| Avg. Volume (3M) | 5.33M | 759.34K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | APP | FICO |
|---|---|---|
| Sharpe Ratio (1Y) | -0.49 | -0.99 |
| Sortino Ratio (1Y) | -0.69 | -1.20 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: AppLovin (APP) earns 210.09% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.
APP
Software & Services industry group
210.09%
- APP
- 210.09%
- 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)
AppLovin (APP) at 65.89% keeps the most of each sales dollar — above its industry’s net margin range — and Fair Isaac (FICO) at 32.94% also retains a top-quartile share.
APP
Software & Services industry group
65.89%
- APP
- 65.89%
- Max
- 41.17%
- 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)
AppLovin (APP) at 78.22% shows unusually strong operating efficiency — above its industry’s operating margin range — and Fair Isaac (FICO) at 44.72% also operates in the top quartile.
APP
Software & Services industry group
78.22%
- APP
- 78.22%
- Max
- 46.89%
- 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 | APP | FICO |
|---|---|---|
| ROE (TTM) | 210.09% | -- |
| ROA (TTM) | 49.57% | 40.99% |
| Net Margin (TTM) | 65.89% | 32.94% |
| Operating Margin (TTM) | 78.22% | 44.72% |
| Gross Margin (TTM) | 88.78% | 86.13% |
Growth
Revenue Growth
Both companies are growing quickly, but AppLovin (APP) at 69.99% is the standout with revenue growth above its industry range; Fair Isaac (FICO) at 27.33% also sits in the top quartile.
EPS Growth
AppLovin (APP) at 115.23% sits in the top EPS growth quartile, while Fair Isaac (FICO) at 36.85% is closer to the peer norm — faster per-share earnings growth for APP.
Growth Metrics
| Metric | APP | FICO |
|---|---|---|
| Revenue Growth (YoY) | 69.99% | 27.33% |
| Revenue Growth (3Y CAGR) | 24.84% | 18.76% |
| EPS Growth (YoY) | 115.23% | 36.85% |
| EPS Growth (3Y CAGR) | -- | 28.97% |
Financial Strength
Current Ratio (MRQ)
AppLovin (APP) at 3.81 carries current ratio above its industry’s typical mid-range, while Fair Isaac (FICO) at 0.99 runs in the tighter-liquidity quartile — different working-capital profiles, both worth examining.
APP
Software & Services industry group
3.81
- Max
- 5.11
- APP
- 3.81
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- 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: AppLovin (APP) carries debt-to-equity ratio of 1.07 against its industry range, while Fair Isaac (FICO) reports no figure this period.
APP
Software & Services industry group
1.07
- Max
- 2.52
- Q3
- 1.13
- APP
- 1.07
- 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 | APP | FICO |
|---|---|---|
| Current Ratio (MRQ) | 3.81 | 0.99 |
| Debt / Equity (MRQ) | 1.07 | -- |
| Net Debt / EBITDA | 0.06 | 3.86 |
Dividends
Dividend Yield (TTM)
Neither AppLovin (APP) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
APP
Software & Services industry group
0.00%
- APP
- 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 AppLovin (APP) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
APP
Software & Services industry group
0.00%
- APP
- 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 | APP | FICO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both AppLovin (APP) at 26.34 and Fair Isaac (FICO) at 19.40 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
APP
Software & Services industry group
26.34
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- APP
- 26.34
- Q1
- 18.77
- 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)
Fair Isaac (FICO) at 6.00 is priced about in line with its industry on P/S ratio, while AppLovin (APP) at 17.04 sits in the pricier quartile — APP costs more per dollar of sales.
APP
Software & Services industry group
17.04
- Max
- 17.91
- APP
- 17.04
- Q3
- 8.78
- Median
- 4.25
- 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 AppLovin (APP) reports 39.29, ranking against industry peers normally.
APP
Software & Services industry group
39.29
- APP
- 39.29
- Max
- 16.63
- Q3
- 8.50
- 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 | APP | FICO |
|---|---|---|
| P/E Ratio (TTM) | 26.34 | 19.40 |
| P/S Ratio (TTM) | 17.04 | 6.00 |
| P/B Ratio (MRQ) | 39.29 | -3.90 |
| Free Cash Flow Yield (TTM) | 2.87% | 6.54% |