BMNR vs. FICO: Bitmine Immersion vs. Fair Isaac Stock Comparison

November 11, 2026

How do Bitmine Immersion (BMNR) 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

Bitmine Immersion (BMNR) 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) carries decades of public-market history since July 22, 1987, while Bitmine Immersion (BMNR) listed on June 5, 2025 — long-window comparisons have far more historical data on the FICO side.

Company profile comparison for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Profile Item	BMNR	FICO
Name	BitMine Immersion Technologies, 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	11.32 billion USD	15.22 billion USD
Currency	USD	USD
Exchange	NYSE American	NYSE
Listing Date	June 5, 2025	July 22, 1987
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

BMNR

FICO

GSPC

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Bitmine Immersion (BMNR) and Fair Isaac (FICO). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Bitmine Immersion (BMNR) and Fair Isaac (FICO). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
Total Return (1Y)	-52.72%	-58.54%
Total Return (3Y, Annualized)	--	-9.17%
Total Return (5Y, Annualized)	--	12.31%

Risk Profile

Drawdown History

BMNR

FICO

GSPC

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Bitmine Immersion (BMNR) and Fair Isaac (FICO). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Bitmine Immersion (BMNR) is heavily traded at around 36.95M shares per day, whereas Fair Isaac (FICO) sees a more moderate 759.34K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk profile metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
Volatility (1Y, Annualized)	89.23%	63.29%
Beta (5Y)	1.75	1.33
Max Drawdown (5Y)	-90.14%	-75.13%
Avg. Volume (3M)	36.95M	759.34K

Risk-Adjusted Performance

Risk-Return Positioning

BMNR and FICO are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
Sharpe Ratio (1Y)	-0.64	-0.99
Sortino Ratio (1Y)	-0.93	-1.20

Profitability

ROE (TTM)

Fair Isaac (FICO) has no ROE value reported for this period; Bitmine Immersion (BMNR) reports a negative figure of -150.91%, which needs context because negative ROE can reflect losses or negative shareholders’ equity.

BMNR

Software & Services industry group

-150.91%

Max: 53.85%
Q3: 17.90%
Median: 6.59%
Q1: -9.59%
Min: -50.52%
BMNR: -150.91%

FICO

Software & Services industry group

Max: 53.85%
Q3: 17.90%
Median: 6.59%
Q1: -9.59%
Min: -50.52%
FICO: --

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): FICO does not report ROE, so it has no value marker; BMNR is benchmarked against the Software & Services industry group.

Net Margin (TTM)

Fair Isaac (FICO) at 32.94% retains a top-quartile share of revenue as profit, ahead of Bitmine Immersion (BMNR) at 0.00%, which keeps about the industry-typical share.

BMNR

Software & Services industry group

0.00%

Max: 41.17%
Q3: 15.28%
Median: 4.63%
BMNR: 0.00%
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%

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Fair Isaac (FICO) at 44.72% operates in the top operating margin quartile, ahead of Bitmine Immersion (BMNR) at 8.42%, which runs around its industry’s norm.

BMNR

Software & Services industry group

8.42%

Max: 46.89%
Q3: 17.64%
Median: 8.73%
BMNR: 8.42%
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%

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
ROE (TTM)	-150.91%	--
ROA (TTM)	-3.17%	40.99%
Net Margin (TTM)	0.00%	32.94%
Operating Margin (TTM)	8.42%	44.72%
Gross Margin (TTM)	84.44%	86.13%

Growth

Revenue Growth

Both companies are growing quickly, but Bitmine Immersion (BMNR) at 84.14% is the standout with revenue growth above its industry range; Fair Isaac (FICO) at 27.33% also sits in the top quartile.

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: Fair Isaac (FICO) reports EPS growth of 36.85%, ranked against its industry; Bitmine Immersion (BMNR) has no EPS growth figure this period.

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
Revenue Growth (YoY)	84.14%	27.33%
Revenue Growth (3Y CAGR)	142.45%	18.76%
EPS Growth (YoY)	--	36.85%
EPS Growth (3Y CAGR)	--	28.97%

Financial Strength

Current Ratio (MRQ)

Bitmine Immersion (BMNR) at 36.68 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.

BMNR

Software & Services industry group

36.68

BMNR: 36.68
Max: 5.11
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

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Only one side’s leverage can be read here: Bitmine Immersion (BMNR) carries debt-to-equity ratio of 0.00 against its industry range, while Fair Isaac (FICO) reports no figure this period.

BMNR

Software & Services industry group

0.00

Max: 2.52
Q3: 1.13
Median: 0.40
Q1: 0.07
BMNR: 0.00
Min: 0.00

FICO

Software & Services industry group

Max: 2.52
Q3: 1.13
Median: 0.40
Q1: 0.07
Min: 0.00
FICO: --

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): FICO does not report debt-to-equity ratio, so it has no value marker; BMNR is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
Current Ratio (MRQ)	36.68	0.99
Debt / Equity (MRQ)	0.00	--
Net Debt / EBITDA	--	3.86

Dividends

Dividend Yield (TTM)

Fair Isaac (FICO) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bitmine Immersion (BMNR) reports a yield of 0.05%, ranking against industry peers normally.

BMNR

Software & Services industry group

0.05%

BMNR: 0.05%
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%

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Bitmine Immersion (BMNR) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

BMNR

Software & Services industry group

0.00%

BMNR: 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%

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
Dividend Yield (TTM)	0.05%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

An earnings multiple is available for just one side: Fair Isaac (FICO) trades at 19.40 times trailing earnings, ranked against its peers, while Bitmine Immersion (BMNR) has no P/E ratio this period.

BMNR

Software & Services industry group

Max: 112.94
Q3: 60.32
Median: 32.91
Q1: 18.77
Min: 6.69
BMNR: --

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

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): BMNR does not report P/E ratio, so it has no value marker; FICO is benchmarked against the Software & Services industry group.

P/S Ratio (TTM)

Fair Isaac (FICO) at 6.00 prices around its industry’s typical P/S ratio, while Bitmine Immersion (BMNR) at 184.93 clears its benchmark range — BMNR looks notably rich on sales.

BMNR

Software & Services industry group

184.93

BMNR: 184.93
Max: 17.91
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

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their P/S ratio against the Software & Services industry group benchmark.

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 Bitmine Immersion (BMNR) reports 0.94, ranking against industry peers normally.

BMNR

Software & Services industry group

0.94

Max: 16.63
Q3: 8.50
Median: 4.30
Q1: 1.92
BMNR: 0.94
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

Bitmine Immersion (BMNR) vs. Fair Isaac (FICO): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Bitmine Immersion (BMNR) and Fair Isaac (FICO)
Metric	BMNR	FICO
P/E Ratio (TTM)	--	19.40
P/S Ratio (TTM)	184.93	6.00
P/B Ratio (MRQ)	0.94	-3.90
Free Cash Flow Yield (TTM)	-4.58%	6.54%