CRM vs. FICO: Salesforce vs. Fair Isaac Stock Comparison

November 11, 2026

How do Salesforce (CRM) 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

Salesforce (CRM) 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.

Company profile comparison for Salesforce (CRM) and Fair Isaac (FICO)
Profile Item	CRM	FICO
Name	Salesforce, 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	175.83 billion USD	15.22 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	June 23, 2004	July 22, 1987
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

CRM

FICO

GSPC

Salesforce (CRM) 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 Salesforce (CRM) and Fair Isaac (FICO). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
Total Return (1Y)	-9.04%	-58.54%
Total Return (3Y, Annualized)	1.64%	-9.17%
Total Return (5Y, Annualized)	-6.57%	12.31%

Risk Profile

Drawdown History

CRM

FICO

GSPC

Salesforce (CRM) 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 Salesforce (CRM) and Fair Isaac (FICO). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Salesforce (CRM) is heavily traded at around 11.36M 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 Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
Volatility (1Y, Annualized)	47.53%	63.29%
Beta (5Y)	1.24	1.33
Max Drawdown (5Y)	-58.67%	-75.13%
Avg. Volume (3M)	11.36M	759.34K

Risk-Adjusted Performance

Risk-Return Positioning

CRM 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 Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
Sharpe Ratio (1Y)	-0.28	-0.99
Sortino Ratio (1Y)	-0.45	-1.20

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Salesforce (CRM) earns 19.38% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.

CRM

Software & Services industry group

19.38%

Max: 53.85%
CRM: 19.38%
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: --

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

Net Margin (TTM)

For every dollar of sales, both Salesforce (CRM) at 21.99% 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.

CRM

Software & Services industry group

21.99%

Max: 41.17%
CRM: 21.99%
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%

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

Operating Margin (TTM)

Both Salesforce (CRM) at 21.38% 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.

CRM

Software & Services industry group

21.38%

Max: 46.89%
CRM: 21.38%
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%

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

Profitability Metrics

Profitability metrics for Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
ROE (TTM)	19.38%	--
ROA (TTM)	5.70%	40.99%
Net Margin (TTM)	21.99%	32.94%
Operating Margin (TTM)	21.38%	44.72%
Gross Margin (TTM)	77.28%	86.13%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Salesforce (CRM) at 9.58% is closer to the peer norm — faster top-line expansion for FICO.

Salesforce (CRM) vs. Fair Isaac (FICO): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Salesforce (CRM) at 22.64% 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.

Salesforce (CRM) vs. Fair Isaac (FICO): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
Revenue Growth (YoY)	9.58%	27.33%
Revenue Growth (3Y CAGR)	9.82%	18.76%
EPS Growth (YoY)	22.64%	36.85%
EPS Growth (3Y CAGR)	233.65%	28.97%

Financial Strength

Current Ratio (MRQ)

Both Salesforce (CRM) at 0.84 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.

CRM

Software & Services industry group

0.84

Max: 5.11
Q3: 2.77
Median: 1.67
Q1: 1.01
CRM: 0.84
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

Salesforce (CRM) 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: Salesforce (CRM) carries debt-to-equity ratio of 1.10 against its industry range, while Fair Isaac (FICO) reports no figure this period.

CRM

Software & Services industry group

1.10

Max: 2.52
Q3: 1.13
CRM: 1.10
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: --

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

Financial Strength Metrics

Financial strength metrics for Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
Current Ratio (MRQ)	0.84	0.99
Debt / Equity (MRQ)	1.10	--
Net Debt / EBITDA	2.40	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 Salesforce (CRM) reports a yield of 0.77%, ranking against industry peers normally.

CRM

Software & Services industry group

0.77%

CRM: 0.77%
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%

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

Dividend Payout Ratio (TTM)

Fair Isaac (FICO) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Salesforce (CRM) reports a payout of 15.66%, ranking against industry peers normally.

CRM

Software & Services industry group

15.66%

CRM: 15.66%
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%

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

Dividend Metrics

Dividend metrics for Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
Dividend Yield (TTM)	0.77%	0.00%
Dividend Payout Ratio (TTM)	15.66%	0.00%

Valuation

P/E Ratio (TTM)

Both Salesforce (CRM) at 19.55 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.

CRM

Software & Services industry group

19.55

Max: 112.94
Q3: 60.32
Median: 32.91
CRM: 19.55
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

Salesforce (CRM) vs. Fair Isaac (FICO): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Salesforce (CRM) at 4.00 and Fair Isaac (FICO) at 6.00 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

CRM

Software & Services industry group

4.00

Max: 17.91
Q3: 8.78
Median: 4.25
CRM: 4.00
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

Salesforce (CRM) 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 Salesforce (CRM) reports 4.58, ranking against industry peers normally.

CRM

Software & Services industry group

4.58

Max: 16.63
Q3: 8.50
CRM: 4.58
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

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

Valuation Metrics

Valuation metrics for Salesforce (CRM) and Fair Isaac (FICO)
Metric	CRM	FICO
P/E Ratio (TTM)	19.55	19.40
P/S Ratio (TTM)	4.00	6.00
P/B Ratio (MRQ)	4.58	-3.90
Free Cash Flow Yield (TTM)	10.08%	6.54%