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FICO vs. GIB: Fair Isaac vs. CGI Stock Comparison

How do Fair Isaac (FICO) and CGI (GIB) 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 CGI (GIB) both fall under the Software & Services industry group, but FICO is classified in Software while GIB is classified in IT Services.

Company profile comparison for Fair Isaac (FICO) and CGI (GIB)
Profile ItemFICOGIB
NameFair Isaac Corp.CGI Inc.
Country/RegionUnited StatesCanada
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareIT Services
GICS Sub-IndustryApplication SoftwareIT Consulting & Other Services
Market Capitalization15.22 billion USD17.25 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJuly 22, 1987October 7, 1998
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FICO
GIB
GSPC
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Fair Isaac (FICO) vs. CGI (GIB), 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 Fair Isaac (FICO) and CGI (GIB). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
Total Return (1Y)-58.54%-3.23%
Total Return (3Y, Annualized)-9.17%-5.58%
Total Return (5Y, Annualized)12.31%-1.91%

Risk Profile

Drawdown History

FICO
GIB
GSPC
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Fair Isaac (FICO) vs. CGI (GIB), 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 Fair Isaac (FICO) and CGI (GIB). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Fair Isaac (FICO) has an aggressive beta of 1.33, indicating higher sensitivity to broad-market moves, while CGI (GIB) is defensive at 0.40 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk profile metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
Volatility (1Y, Annualized)63.29%31.53%
Beta (5Y)1.330.40
Max Drawdown (5Y)-75.13%-49.61%
Avg. Volume (3M)759.34K400.74K

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and GIB 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 Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
Sharpe Ratio (1Y)-0.99-0.24
Sortino Ratio (1Y)-1.20-0.31

Profitability

ROE (TTM)

Capital efficiency shows on one side only: CGI (GIB) earns 17.03% 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
--

GIB

Software & Services industry group

17.03%

Max
53.85%
Q3
17.90%
GIB
17.03%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. CGI (GIB): FICO does not report ROE, so it has no value marker; GIB 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 CGI (GIB) at 10.54%, which keeps about the industry-typical share.

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%

GIB

Software & Services industry group

10.54%

Max
41.17%
Q3
15.28%
GIB
10.54%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. CGI (GIB): 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 CGI (GIB) at 16.22%, which runs around its industry’s norm.

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%

GIB

Software & Services industry group

16.22%

Max
46.89%
Q3
17.64%
GIB
16.22%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. CGI (GIB): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
ROE (TTM)--17.03%
ROA (TTM)40.99%8.69%
Net Margin (TTM)32.94%10.54%
Operating Margin (TTM)44.72%16.22%
Gross Margin (TTM)86.13%20.43%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while CGI (GIB) at 8.43% is closer to the peer norm — faster top-line expansion for FICO.

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

EPS Growth

Both Fair Isaac (FICO) at 36.85% and CGI (GIB) at 0.55% 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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Fair Isaac (FICO) vs. CGI (GIB): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
Revenue Growth (YoY)27.33%8.43%
Revenue Growth (3Y CAGR)18.76%7.34%
EPS Growth (YoY)36.85%0.55%
EPS Growth (3Y CAGR)28.97%6.76%

Financial Strength

Current Ratio (MRQ)

Both Fair Isaac (FICO) at 0.99 and CGI (GIB) at 0.94 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

GIB

Software & Services industry group

0.94

Max
5.11
Q3
2.77
Median
1.67
Q1
1.01
GIB
0.94
Min
0.03
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Fair Isaac (FICO) vs. CGI (GIB): 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: CGI (GIB) carries debt-to-equity ratio of 0.44 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
--

GIB

Software & Services industry group

0.44

Max
2.52
Q3
1.13
GIB
0.44
Median
0.40
Q1
0.07
Min
0.00
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Fair Isaac (FICO) vs. CGI (GIB): FICO does not report debt-to-equity ratio, so it has no value marker; GIB is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
Current Ratio (MRQ)0.990.94
Debt / Equity (MRQ)--0.44
Net Debt / EBITDA3.861.31

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 CGI (GIB) reports a yield of 0.80%, 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%

GIB

Software & Services industry group

0.80%

GIB
0.80%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. CGI (GIB): 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 CGI (GIB) reports a payout of 8.20%, 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%

GIB

Software & Services industry group

8.20%

GIB
8.20%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. CGI (GIB): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
Dividend Yield (TTM)0.00%0.80%
Dividend Payout Ratio (TTM)0.00%8.20%

Valuation

P/E Ratio (TTM)

CGI (GIB) at 14.31 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 GIB, 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

GIB

Software & Services industry group

14.31

Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
GIB
14.31
Min
6.69
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Fair Isaac (FICO) vs. CGI (GIB): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

CGI (GIB) at 1.05 sits in the cheaper P/S ratio quartile while Fair Isaac (FICO) at 6.00 prices around its industry’s middle — GIB costs less per dollar of sales, though read it alongside growth and margins.

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

GIB

Software & Services industry group

1.05

Max
17.91
Q3
8.78
Median
4.25
Q1
2.23
GIB
1.05
Min
0.02
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Fair Isaac (FICO) vs. CGI (GIB): 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 CGI (GIB) reports 2.37, 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

GIB

Software & Services industry group

2.37

Max
16.63
Q3
8.50
Median
4.30
GIB
2.37
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. CGI (GIB): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and CGI (GIB)
MetricFICOGIB
P/E Ratio (TTM)19.4014.31
P/S Ratio (TTM)6.001.05
P/B Ratio (MRQ)-3.902.37
Free Cash Flow Yield (TTM)6.54%12.68%