CRDO vs. FICO: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at CRDO and FICO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
FICO’s market capitalization of 44.05 billion USD is significantly greater than CRDO’s 14.43 billion USD, highlighting its more substantial market valuation.
CRDO’s beta of 2.43 points to significantly higher volatility compared to FICO (beta: 1.29), suggesting CRDO has greater potential for both gains and losses relative to market movements.
| Symbol | CRDO | FICO |
|---|---|---|
| Company Name | Credo Technology Group Holding Ltd | Fair Isaac Corporation |
| Country | US | US |
| Sector | Technology | Technology |
| Industry | Communication Equipment | Software - Application |
| CEO | Mr. William J. Brennan | Mr. William J. Lansing |
| Price | 84.96 USD | 1,809.46 USD |
| Market Cap | 14.43 billion USD | 44.05 billion USD |
| Beta | 2.43 | 1.29 |
| Exchange | NASDAQ | NYSE |
| IPO Date | January 27, 2022 | July 22, 1987 |
| ADR | No | No |
Historical Performance
This chart compares the performance of CRDO and FICO over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Data is adjusted for dividends and splits.
Profitability
Return on Equity
CRDO
8.62%
Communication Equipment Industry
- Max
- 35.16%
- Q3
- 9.16%
- Median
- 0.73%
- Q1
- -12.40%
- Min
- -42.61%
CRDO’s Return on Equity of 8.62% is on par with the norm for the Communication Equipment industry, indicating its profitability relative to shareholder equity is typical for the sector.
FICO
-56.94%
Software - Application Industry
- Max
- 59.01%
- Q3
- 14.03%
- Median
- -0.49%
- Q1
- -21.83%
- Min
- -68.62%
FICO has a negative Return on Equity of -56.94%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
Return on Invested Capital
CRDO
5.03%
Communication Equipment Industry
- Max
- 27.77%
- Q3
- 9.44%
- Median
- 1.48%
- Q1
- -4.79%
- Min
- -19.41%
CRDO’s Return on Invested Capital of 5.03% is in line with the benchmark for the Communication Equipment industry, reflecting a standard level of efficiency in generating profits from its capital base.
FICO
44.32%
Software - Application Industry
- Max
- 35.07%
- Q3
- 7.93%
- Median
- -1.48%
- Q1
- -14.32%
- Min
- -44.79%
FICO’s Return on Invested Capital of 44.32% is exceptionally high, placing it well beyond the typical range for the Software - Application industry. This demonstrates an outstanding ability to deploy capital efficiently and create significant value.
Net Profit Margin
CRDO
11.95%
Communication Equipment Industry
- Max
- 23.65%
- Q3
- 8.14%
- Median
- 0.65%
- Q1
- -9.35%
- Min
- -31.65%
CRDO’s Net Profit Margin of 11.95% is in the upper quartile for the Communication Equipment industry, signifying strong profitability and more effective cost management than most of its peers.
FICO
31.36%
Software - Application Industry
- Max
- 48.14%
- Q3
- 9.64%
- Median
- -2.64%
- Q1
- -23.52%
- Min
- -72.77%
FICO’s Net Profit Margin of 31.36% is in the upper quartile for the Software - Application industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
CRDO
8.50%
Communication Equipment Industry
- Max
- 25.20%
- Q3
- 8.83%
- Median
- 2.45%
- Q1
- -5.07%
- Min
- -22.41%
CRDO’s Operating Profit Margin of 8.50% hovers around the midpoint for the Communication Equipment industry, indicating that its efficiency in managing core business operations is characteristic of the sector.
FICO
44.15%
Software - Application Industry
- Max
- 51.67%
- Q3
- 8.21%
- Median
- -2.71%
- Q1
- -21.29%
- Min
- -60.34%
FICO’s Operating Profit Margin of 44.15% is in the upper quartile for the Software - Application industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | CRDO | FICO |
|---|---|---|
| Return on Equity (TTM) | 8.62% | -56.94% |
| Return on Assets (TTM) | 6.45% | 31.44% |
| Return on Invested Capital (TTM) | 5.03% | 44.32% |
| Net Profit Margin (TTM) | 11.95% | 31.36% |
| Operating Profit Margin (TTM) | 8.50% | 44.15% |
| Gross Profit Margin (TTM) | 64.77% | 80.82% |
Financial Strength
Current Ratio
CRDO
6.62
Communication Equipment Industry
- Max
- 4.04
- Q3
- 2.68
- Median
- 1.93
- Q1
- 1.36
- Min
- 0.48
CRDO’s Current Ratio of 6.62 is exceptionally high, placing it well outside the typical range for the Communication Equipment industry. While this points to a very strong liquidity position, it may also suggest that the company is not using its assets efficiently to generate profits.
FICO
2.11
Software - Application Industry
- Max
- 5.09
- Q3
- 2.79
- Median
- 1.66
- Q1
- 1.04
- Min
- 0.00
FICO’s Current Ratio of 2.11 aligns with the median group of the Software - Application industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
CRDO
0.02
Communication Equipment Industry
- Max
- 1.82
- Q3
- 0.97
- Median
- 0.33
- Q1
- 0.06
- Min
- 0.01
CRDO’s Debt-to-Equity Ratio of 0.02 is in the lower quartile for the Communication Equipment industry. This points to a conservative financing strategy with low reliance on debt, resulting in lower financial risk but potentially limiting the scale of its strategic investments compared to more leveraged competitors.
FICO
-2.27
Software - Application Industry
- Max
- 1.86
- Q3
- 0.79
- Median
- 0.19
- Q1
- 0.05
- Min
- 0.00
FICO has a Debt-to-Equity Ratio of -2.27, which indicates negative shareholder equity where liabilities exceed assets. This is a critical sign of financial distress.
Interest Coverage Ratio
CRDO
--
Communication Equipment Industry
- Max
- 30.67
- Q3
- 14.39
- Median
- 2.07
- Q1
- -2.17
- Min
- -25.97
Interest Coverage Ratio data for CRDO is currently unavailable.
FICO
9.57
Software - Application Industry
- Max
- 31.61
- Q3
- 3.42
- Median
- -1.98
- Q1
- -17.62
- Min
- -40.07
FICO’s Interest Coverage Ratio of 9.57 is in the upper quartile for the Software - Application industry, signifying a strong and healthy capacity to meet its interest payments out of operating profits.
Financial Strength at a Glance
| Symbol | CRDO | FICO |
|---|---|---|
| Current Ratio (TTM) | 6.62 | 2.11 |
| Quick Ratio (TTM) | 5.79 | 2.11 |
| Debt-to-Equity Ratio (TTM) | 0.02 | -2.27 |
| Debt-to-Asset Ratio (TTM) | 0.02 | 1.39 |
| Net Debt-to-EBITDA Ratio (TTM) | -4.35 | 2.90 |
| Interest Coverage Ratio (TTM) | -- | 9.57 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for CRDO and FICO. These metrics are based on the companies’ annual financial reports.
Revenue Growth (YoY)
EPS Growth (YoY)
Free Cash Flow Growth (YoY)
Dividend
Dividend Yield
CRDO
0.00%
Communication Equipment Industry
- Max
- 4.66%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRDO currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting all earnings back into the business, though it may be less typical in mature, income-oriented sectors.
FICO
0.00%
Software - Application Industry
- Max
- 3.71%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting all earnings back into the business, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio
CRDO
0.00%
Communication Equipment Industry
- Max
- 3.82%
- Q3
- 2.86%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRDO has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This strategy is common for growth-oriented companies that reinvest all profits back into the business.
FICO
0.00%
Software - Application Industry
- Max
- 105.87%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This strategy is common for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | CRDO | FICO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio
CRDO
277.44
Communication Equipment Industry
- Max
- 44.22
- Q3
- 43.00
- Median
- 27.07
- Q1
- 16.11
- Min
- 1.49
At 277.44, CRDO’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Communication Equipment industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
FICO
76.47
Software - Application Industry
- Max
- 194.53
- Q3
- 98.53
- Median
- 49.69
- Q1
- 22.37
- Min
- 0.40
FICO’s P/E Ratio of 76.47 is within the middle range for the Software - Application industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
CRDO
38.62
Communication Equipment Industry
- Max
- 8.41
- Q3
- 3.94
- Median
- 0.98
- Q1
- 0.17
- Min
- 0.00
The Forward PEG Ratio is not a primary valuation metric for companies in the Communication Equipment industry.
FICO
3.63
Software - Application Industry
- Max
- 12.52
- Q3
- 5.42
- Median
- 1.59
- Q1
- 0.19
- Min
- 0.00
FICO’s Forward PEG Ratio of 3.63 is within the middle range for the Software - Application industry. This suggests a reasonable balance between the stock‘s price and its expected growth, aligning with the valuation norms of its peers.
Price-to-Sales Ratio
CRDO
33.03
Communication Equipment Industry
- Max
- 6.19
- Q3
- 3.30
- Median
- 1.97
- Q1
- 0.74
- Min
- 0.12
With a P/S Ratio of 33.03, CRDO trades at a valuation that eclipses even the highest in the Communication Equipment industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing a considerable valuation risk.
FICO
23.93
Software - Application Industry
- Max
- 18.20
- Q3
- 8.68
- Median
- 4.82
- Q1
- 1.79
- Min
- 0.00
With a P/S Ratio of 23.93, FICO trades at a valuation that eclipses even the highest in the Software - Application industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing a considerable valuation risk.
Price-to-Book Ratio
CRDO
21.24
Communication Equipment Industry
- Max
- 6.80
- Q3
- 5.24
- Median
- 2.64
- Q1
- 1.18
- Min
- 0.23
At 21.24, CRDO’s P/B Ratio is at an extreme premium to the Communication Equipment industry. This signifies that the market‘s valuation is heavily reliant on future potential, rather than its current net asset value, which can be a high-risk proposition.
FICO
-39.26
Software - Application Industry
- Max
- 18.02
- Q3
- 8.55
- Median
- 4.69
- Q1
- 2.09
- Min
- 0.00
The P/B Ratio is not a primary valuation metric for companies in the Software - Application industry, which may rely more on intangible assets or cash flow.
Valuation at a Glance
| Symbol | CRDO | FICO |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 277.44 | 76.47 |
| Forward PEG Ratio (TTM) | 38.62 | 3.63 |
| Price-to-Sales Ratio (P/S, TTM) | 33.03 | 23.93 |
| Price-to-Book Ratio (P/B, TTM) | 21.24 | -39.26 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | -596.55 | 63.74 |
| EV-to-EBITDA (TTM) | 276.29 | 56.02 |
| EV-to-Sales (TTM) | 32.52 | 25.24 |