FICO vs. GEN: Fair Isaac vs. Gen Digital Stock Comparison
How do Fair Isaac (FICO) and Gen Digital (GEN) 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
Fair Isaac (FICO) and Gen Digital (GEN) both belong to the Software industry, though FICO is classified under Application Software while GEN falls under Systems Software.
| Profile Item | FICO | GEN |
|---|---|---|
| Name | Fair Isaac Corp. | Gen Digital Inc. |
| 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 | Systems Software |
| Market Capitalization | 15.22 billion USD | 17.67 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | July 22, 1987 | June 23, 1989 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FICO | GEN |
|---|---|---|
| Total Return (1Y) | -58.54% | 18.20% |
| Total Return (3Y, Annualized) | -9.17% | 18.57% |
| Total Return (5Y, Annualized) | 12.31% | 5.70% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FICO | GEN |
|---|---|---|
| Volatility (1Y, Annualized) | 63.29% | 43.30% |
| Beta (5Y) | 1.33 | 1.23 |
| Max Drawdown (5Y) | -75.13% | -48.41% |
| Avg. Volume (3M) | 759.34K | 8.39M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FICO | GEN |
|---|---|---|
| Sharpe Ratio (1Y) | -0.99 | 0.32 |
| Sortino Ratio (1Y) | -1.20 | 0.50 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Gen Digital (GEN) earns 46.40% on shareholders’ equity, ranked against its industry; Fair Isaac (FICO) has no ROE this period.
FICO
Software & Services industry group
--
- Max
- 53.85%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
- FICO
- --
GEN
Software & Services industry group
46.40%
- Max
- 53.85%
- GEN
- 46.40%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
For every dollar of sales, both Fair Isaac (FICO) at 32.94% and Gen Digital (GEN) at 23.07% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
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%
GEN
Software & Services industry group
23.07%
- Max
- 41.17%
- GEN
- 23.07%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Both Fair Isaac (FICO) at 44.72% and Gen Digital (GEN) at 37.40% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.
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%
GEN
Software & Services industry group
37.40%
- Max
- 46.89%
- GEN
- 37.40%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | FICO | GEN |
|---|---|---|
| ROE (TTM) | -- | 46.40% |
| ROA (TTM) | 40.99% | 8.94% |
| Net Margin (TTM) | 32.94% | 23.07% |
| Operating Margin (TTM) | 44.72% | 37.40% |
| Gross Margin (TTM) | 86.13% | 77.41% |
Growth
Revenue Growth
Both Fair Isaac (FICO) at 27.33% and Gen Digital (GEN) at 27.06% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Gen Digital (GEN) at 52.43% sits in the top EPS growth quartile, while Fair Isaac (FICO) at 36.85% is closer to the peer norm — faster per-share earnings growth for GEN.
Growth Metrics
| Metric | FICO | GEN |
|---|---|---|
| Revenue Growth (YoY) | 27.33% | 27.06% |
| Revenue Growth (3Y CAGR) | 18.76% | 14.66% |
| EPS Growth (YoY) | 36.85% | 52.43% |
| EPS Growth (3Y CAGR) | 28.97% | -10.09% |
Financial Strength
Current Ratio (MRQ)
Both Fair Isaac (FICO) at 0.99 and Gen Digital (GEN) at 0.37 run current ratio in the tighter-liquidity quartile of industry peers, leaving thinner cushions against current liabilities than typical competitors.
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
GEN
Software & Services industry group
0.37
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- GEN
- 0.37
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: Gen Digital (GEN) carries debt-to-equity ratio of 2.96 against its industry range, while Fair Isaac (FICO) reports no figure this period.
FICO
Software & Services industry group
--
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
- FICO
- --
GEN
Software & Services industry group
2.96
- GEN
- 2.96
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | FICO | GEN |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 0.37 |
| Debt / Equity (MRQ) | -- | 2.96 |
| Net Debt / EBITDA | 3.86 | 3.02 |
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 Gen Digital (GEN) reports a yield of 1.63%, ranking against industry peers normally.
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%
GEN
Software & Services industry group
1.63%
- GEN
- 1.63%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
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 Gen Digital (GEN) reports a payout of 25.38%, ranking against industry peers normally.
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%
GEN
Software & Services industry group
25.38%
- GEN
- 25.38%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FICO | GEN |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.63% |
| Dividend Payout Ratio (TTM) | 0.00% | 25.38% |
Valuation
P/E Ratio (TTM)
Gen Digital (GEN) at 15.12 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 GEN, though growth and earnings durability still matter.
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
GEN
Software & Services industry group
15.12
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- Q1
- 18.77
- GEN
- 15.12
- Min
- 6.69
P/S Ratio (TTM)
On P/S ratio, both Fair Isaac (FICO) at 6.00 and Gen Digital (GEN) at 3.38 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
GEN
Software & Services industry group
3.38
- Max
- 17.91
- Q3
- 8.78
- Median
- 4.25
- GEN
- 3.38
- 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 Gen Digital (GEN) reports 6.45, ranking against industry peers normally.
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
GEN
Software & Services industry group
6.45
- Max
- 16.63
- Q3
- 8.50
- GEN
- 6.45
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | FICO | GEN |
|---|---|---|
| P/E Ratio (TTM) | 19.40 | 15.12 |
| P/S Ratio (TTM) | 6.00 | 3.38 |
| P/B Ratio (MRQ) | -3.90 | 6.45 |
| Free Cash Flow Yield (TTM) | 6.54% | 10.25% |