FICO vs. GWRE: Fair Isaac vs. Guidewire Software Stock Comparison
How do Fair Isaac (FICO) and Guidewire Software (GWRE) 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 Guidewire Software (GWRE) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.
| Profile Item | FICO | GWRE |
|---|---|---|
| Name | Fair Isaac Corp. | Guidewire Software 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 | Application Software |
| Market Capitalization | 15.22 billion USD | 13.34 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 22, 1987 | January 25, 2012 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FICO | GWRE |
|---|---|---|
| Total Return (1Y) | -58.54% | -25.97% |
| Total Return (3Y, Annualized) | -9.17% | 21.68% |
| Total Return (5Y, Annualized) | 12.31% | 4.78% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FICO | GWRE |
|---|---|---|
| Volatility (1Y, Annualized) | 63.29% | 62.03% |
| Beta (5Y) | 1.33 | 0.99 |
| Max Drawdown (5Y) | -75.13% | -60.79% |
| Avg. Volume (3M) | 759.34K | 1.29M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FICO | GWRE |
|---|---|---|
| Sharpe Ratio (1Y) | -0.99 | -0.49 |
| Sortino Ratio (1Y) | -1.20 | -0.68 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Guidewire Software (GWRE) earns 10.51% 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
- --
GWRE
Software & Services industry group
10.51%
- Max
- 53.85%
- Q3
- 17.90%
- GWRE
- 10.51%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
Fair Isaac (FICO) at 32.94% retains a top-quartile share of revenue as profit, ahead of Guidewire Software (GWRE) at 9.44%, 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%
GWRE
Software & Services industry group
9.44%
- Max
- 41.17%
- Q3
- 15.28%
- GWRE
- 9.44%
- 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 Guidewire Software (GWRE) at 15.16%, 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%
GWRE
Software & Services industry group
15.16%
- Max
- 46.89%
- Q3
- 17.64%
- GWRE
- 15.16%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | FICO | GWRE |
|---|---|---|
| ROE (TTM) | -- | 10.51% |
| ROA (TTM) | 40.99% | 3.54% |
| Net Margin (TTM) | 32.94% | 9.44% |
| Operating Margin (TTM) | 44.72% | 15.16% |
| Gross Margin (TTM) | 86.13% | 64.21% |
Growth
Revenue Growth
Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Guidewire Software (GWRE) at 22.70% is closer to the peer norm — faster top-line expansion for FICO.
EPS Growth
Guidewire Software (GWRE) at 101.23% 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 GWRE.
Growth Metrics
| Metric | FICO | GWRE |
|---|---|---|
| Revenue Growth (YoY) | 27.33% | 22.70% |
| Revenue Growth (3Y CAGR) | 18.76% | 17.68% |
| EPS Growth (YoY) | 36.85% | 101.23% |
| EPS Growth (3Y CAGR) | 28.97% | -- |
Financial Strength
Current Ratio (MRQ)
Guidewire Software (GWRE) at 1.79 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.
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
GWRE
Software & Services industry group
1.79
- Max
- 5.11
- Q3
- 2.77
- GWRE
- 1.79
- Median
- 1.67
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: Guidewire Software (GWRE) carries debt-to-equity ratio of 0.60 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
- --
GWRE
Software & Services industry group
0.60
- Max
- 2.52
- Q3
- 1.13
- GWRE
- 0.60
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | FICO | GWRE |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 1.79 |
| Debt / Equity (MRQ) | -- | 0.60 |
| Net Debt / EBITDA | 3.86 | -0.38 |
Dividends
Dividend Yield (TTM)
Neither Fair Isaac (FICO) nor Guidewire Software (GWRE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
GWRE
Software & Services industry group
0.00%
- GWRE
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Fair Isaac (FICO) nor Guidewire Software (GWRE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
GWRE
Software & Services industry group
0.00%
- GWRE
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FICO | GWRE |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Fair Isaac (FICO) at 19.40 is near its industry’s usual P/E ratio, while Guidewire Software (GWRE) at 99.02 sits in the richer quartile — GWRE needs stronger growth or earnings quality to justify the premium.
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
GWRE
Software & Services industry group
99.02
- Max
- 112.94
- GWRE
- 99.02
- Q3
- 60.32
- Median
- 32.91
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
Fair Isaac (FICO) at 6.00 is priced about in line with its industry on P/S ratio, while Guidewire Software (GWRE) at 9.04 sits in the pricier quartile — GWRE costs more per dollar of sales.
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
GWRE
Software & Services industry group
9.04
- Max
- 17.91
- GWRE
- 9.04
- Q3
- 8.78
- 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 Guidewire Software (GWRE) reports 11.09, 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
GWRE
Software & Services industry group
11.09
- Max
- 16.63
- GWRE
- 11.09
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | FICO | GWRE |
|---|---|---|
| P/E Ratio (TTM) | 19.40 | 99.02 |
| P/S Ratio (TTM) | 6.00 | 9.04 |
| P/B Ratio (MRQ) | -3.90 | 11.09 |
| Free Cash Flow Yield (TTM) | 6.54% | 2.57% |