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CTSH vs. FICO: Cognizant vs. Fair Isaac Stock Comparison

How do Cognizant (CTSH) 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

Cognizant (CTSH) and Fair Isaac (FICO) both fall under the Software & Services industry group, but CTSH is classified in IT Services while FICO is classified in Software.

Company profile comparison for Cognizant (CTSH) and Fair Isaac (FICO)
Profile ItemCTSHFICO
NameCognizant Technology Solutions Corp. Class A Common StockFair Isaac Corp.
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustryIT ServicesSoftware
GICS Sub-IndustryIT Consulting & Other ServicesApplication Software
Market Capitalization28.93 billion USD15.22 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJune 19, 1998July 22, 1987
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CTSH
FICO
GSPC
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Cognizant (CTSH) 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 Cognizant (CTSH) and Fair Isaac (FICO). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
Total Return (1Y)-10.80%-58.54%
Total Return (3Y, Annualized)1.40%-9.17%
Total Return (5Y, Annualized)-2.88%12.31%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
Volatility (1Y, Annualized)43.62%63.29%
Beta (5Y)0.831.33
Max Drawdown (5Y)-56.08%-75.13%
Avg. Volume (3M)6.65M759.34K

Risk-Adjusted Performance

Risk-Return Positioning

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CTSH 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 Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
Sharpe Ratio (1Y)-0.35-0.99
Sortino Ratio (1Y)-0.50-1.20

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Cognizant (CTSH) earns 17.37% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.

CTSH

Software & Services industry group

17.37%

Max
53.85%
Q3
17.90%
CTSH
17.37%
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
--
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Cognizant (CTSH) vs. Fair Isaac (FICO): FICO does not report ROE, so it has no value marker; CTSH 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 Cognizant (CTSH) at 11.75%, which keeps about the industry-typical share.

CTSH

Software & Services industry group

11.75%

Max
41.17%
Q3
15.28%
CTSH
11.75%
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%
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Cognizant (CTSH) 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 Cognizant (CTSH) at 16.30%, which runs around its industry’s norm.

CTSH

Software & Services industry group

16.30%

Max
46.89%
Q3
17.64%
CTSH
16.30%
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%
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Cognizant (CTSH) vs. Fair Isaac (FICO): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
ROE (TTM)17.37%--
ROA (TTM)10.78%40.99%
Net Margin (TTM)11.75%32.94%
Operating Margin (TTM)16.30%44.72%
Gross Margin (TTM)33.42%86.13%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Cognizant (CTSH) at 6.95% is in the bottom quartile, showing a clear gap in revenue momentum.

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

EPS Growth

Both Cognizant (CTSH) at 1.11% 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.

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

Growth Metrics

Growth metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
Revenue Growth (YoY)6.95%27.33%
Revenue Growth (3Y CAGR)2.80%18.76%
EPS Growth (YoY)1.11%36.85%
EPS Growth (3Y CAGR)1.12%28.97%

Financial Strength

Current Ratio (MRQ)

Cognizant (CTSH) at 2.22 keeps current ratio within its industry’s typical mid-range, while Fair Isaac (FICO) at 0.99 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for FICO.

CTSH

Software & Services industry group

2.22

Max
5.11
Q3
2.77
CTSH
2.22
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
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Cognizant (CTSH) 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: Cognizant (CTSH) carries debt-to-equity ratio of 0.14 against its industry range, while Fair Isaac (FICO) reports no figure this period.

CTSH

Software & Services industry group

0.14

Max
2.52
Q3
1.13
Median
0.40
CTSH
0.14
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
--
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Cognizant (CTSH) vs. Fair Isaac (FICO): FICO does not report debt-to-equity ratio, so it has no value marker; CTSH is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
Current Ratio (MRQ)2.220.99
Debt / Equity (MRQ)0.14--
Net Debt / EBITDA0.143.86

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 Cognizant (CTSH) reports a yield of 1.98%, ranking against industry peers normally.

CTSH

Software & Services industry group

1.98%

CTSH
1.98%
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%
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Cognizant (CTSH) 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 Cognizant (CTSH) reports a payout of 23.72%, ranking against industry peers normally.

CTSH

Software & Services industry group

23.72%

CTSH
23.72%
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%
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Cognizant (CTSH) vs. Fair Isaac (FICO): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
Dividend Yield (TTM)1.98%0.00%
Dividend Payout Ratio (TTM)23.72%0.00%

Valuation

P/E Ratio (TTM)

Cognizant (CTSH) at 11.81 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 CTSH, though growth and earnings durability still matter.

CTSH

Software & Services industry group

11.81

Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
CTSH
11.81
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
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Cognizant (CTSH) vs. Fair Isaac (FICO): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Cognizant (CTSH) at 1.32 sits in the cheaper P/S ratio quartile while Fair Isaac (FICO) at 6.00 prices around its industry’s middle — CTSH costs less per dollar of sales, though read it alongside growth and margins.

CTSH

Software & Services industry group

1.32

Max
17.91
Q3
8.78
Median
4.25
Q1
2.23
CTSH
1.32
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
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Cognizant (CTSH) 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 Cognizant (CTSH) reports 1.97, ranking against industry peers normally.

CTSH

Software & Services industry group

1.97

Max
16.63
Q3
8.50
Median
4.30
CTSH
1.97
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
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Cognizant (CTSH) vs. Fair Isaac (FICO): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Cognizant (CTSH) and Fair Isaac (FICO)
MetricCTSHFICO
P/E Ratio (TTM)11.8119.40
P/S Ratio (TTM)1.326.00
P/B Ratio (MRQ)1.97-3.90
Free Cash Flow Yield (TTM)7.19%6.54%