DOCU vs. FICO: DocuSign vs. Fair Isaac Stock Comparison
How do DocuSign (DOCU) 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
DocuSign (DOCU) 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.
| Profile Item | DOCU | FICO |
|---|---|---|
| Name | DocuSign 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 | 14.51 billion USD | 15.22 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | April 27, 2018 | July 22, 1987 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | DOCU | FICO |
|---|---|---|
| Total Return (1Y) | 12.03% | -58.54% |
| Total Return (3Y, Annualized) | 24.94% | -9.17% |
| Total Return (5Y, Annualized) | -22.27% | 12.31% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | DOCU | FICO |
|---|---|---|
| Volatility (1Y, Annualized) | 48.32% | 63.29% |
| Beta (5Y) | 0.79 | 1.33 |
| Max Drawdown (5Y) | -86.00% | -75.13% |
| Avg. Volume (3M) | 2.99M | 759.34K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | DOCU | FICO |
|---|---|---|
| Sharpe Ratio (1Y) | 0.16 | -0.99 |
| Sortino Ratio (1Y) | 0.23 | -1.20 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: DocuSign (DOCU) earns 17.80% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.
DOCU
Software & Services industry group
17.80%
- Max
- 53.85%
- Q3
- 17.90%
- DOCU
- 17.80%
- 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)
Fair Isaac (FICO) at 32.94% retains a top-quartile share of revenue as profit, ahead of DocuSign (DOCU) at 9.82%, which keeps about the industry-typical share.
DOCU
Software & Services industry group
9.82%
- Max
- 41.17%
- Q3
- 15.28%
- DOCU
- 9.82%
- 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)
Fair Isaac (FICO) at 44.72% operates in the top operating margin quartile, ahead of DocuSign (DOCU) at 13.43%, which runs around its industry’s norm.
DOCU
Software & Services industry group
13.43%
- Max
- 46.89%
- Q3
- 17.64%
- DOCU
- 13.43%
- 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 | DOCU | FICO |
|---|---|---|
| ROE (TTM) | 17.80% | -- |
| ROA (TTM) | 6.35% | 40.99% |
| Net Margin (TTM) | 9.82% | 32.94% |
| Operating Margin (TTM) | 13.43% | 44.72% |
| Gross Margin (TTM) | 79.61% | 86.13% |
Growth
Revenue Growth
Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while DocuSign (DOCU) at 8.16% is closer to the peer norm — faster top-line expansion for FICO.
EPS Growth
Fair Isaac (FICO) at 36.85% is around its peer norm for EPS growth, while DocuSign (DOCU) at -70.87% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | DOCU | FICO |
|---|---|---|
| Revenue Growth (YoY) | 8.16% | 27.33% |
| Revenue Growth (3Y CAGR) | 8.57% | 18.76% |
| EPS Growth (YoY) | -70.87% | 36.85% |
| EPS Growth (3Y CAGR) | -- | 28.97% |
Financial Strength
Current Ratio (MRQ)
Both DocuSign (DOCU) at 0.64 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.
DOCU
Software & Services industry group
0.64
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- DOCU
- 0.64
- 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: DocuSign (DOCU) carries debt-to-equity ratio of 0.11 against its industry range, while Fair Isaac (FICO) reports no figure this period.
DOCU
Software & Services industry group
0.11
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- DOCU
- 0.11
- 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 | DOCU | FICO |
|---|---|---|
| Current Ratio (MRQ) | 0.64 | 0.99 |
| Debt / Equity (MRQ) | 0.11 | -- |
| Net Debt / EBITDA | -1.35 | 3.86 |
Dividends
Dividend Yield (TTM)
Neither DocuSign (DOCU) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
DOCU
Software & Services industry group
0.00%
- DOCU
- 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 DocuSign (DOCU) nor Fair Isaac (FICO) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
DOCU
Software & Services industry group
0.00%
- DOCU
- 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 | DOCU | FICO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both DocuSign (DOCU) at 47.32 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.
DOCU
Software & Services industry group
47.32
- Max
- 112.94
- Q3
- 60.32
- DOCU
- 47.32
- Median
- 32.91
- 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)
On P/S ratio, both DocuSign (DOCU) at 4.32 and Fair Isaac (FICO) at 6.00 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
DOCU
Software & Services industry group
4.32
- Max
- 17.91
- Q3
- 8.78
- DOCU
- 4.32
- 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 DocuSign (DOCU) reports 8.50, ranking against industry peers normally.
DOCU
Software & Services industry group
8.50
- Max
- 16.63
- DOCU
- 8.50
- 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 | DOCU | FICO |
|---|---|---|
| P/E Ratio (TTM) | 47.32 | 19.40 |
| P/S Ratio (TTM) | 4.32 | 6.00 |
| P/B Ratio (MRQ) | 8.50 | -3.90 |
| Free Cash Flow Yield (TTM) | 9.05% | 6.54% |