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FICO vs. IOT: Fair Isaac vs. Samsara Stock Comparison

How do Fair Isaac (FICO) and Samsara (IOT) 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 Samsara (IOT) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.

Fair Isaac (FICO) has more than two decades of public-market history since July 22, 1987, whereas Samsara (IOT) listed on December 15, 2021 and has a much shorter record to draw on.

Company profile comparison for Fair Isaac (FICO) and Samsara (IOT)
Profile ItemFICOIOT
NameFair Isaac Corp.Samsara Inc. Class A Common Stock
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareApplication Software
Market Capitalization15.22 billion USD24.00 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJuly 22, 1987December 15, 2021
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FICO
IOT
GSPC
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Fair Isaac (FICO) vs. Samsara (IOT), 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 Samsara (IOT). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
Total Return (1Y)-58.54%9.09%
Total Return (3Y, Annualized)-9.17%21.60%
Total Return (5Y, Annualized)12.31%--

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
Volatility (1Y, Annualized)63.29%59.96%
Beta (5Y)1.331.32
Max Drawdown (5Y)-75.13%-70.38%
Avg. Volume (3M)759.34K5.41M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and IOT 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 Samsara (IOT)
MetricFICOIOT
Sharpe Ratio (1Y)-0.990.08
Sortino Ratio (1Y)-1.200.13

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Samsara (IOT) earns 6.43% 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
--

IOT

Software & Services industry group

6.43%

Max
53.85%
Q3
17.90%
Median
6.59%
IOT
6.43%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. Samsara (IOT): FICO does not report ROE, so it has no value marker; IOT 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 Samsara (IOT) at 4.90%, 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%

IOT

Software & Services industry group

4.90%

Max
41.17%
Q3
15.28%
IOT
4.90%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. Samsara (IOT): 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 Samsara (IOT) at 0.96%, 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%

IOT

Software & Services industry group

0.96%

Max
46.89%
Q3
17.64%
Median
8.73%
IOT
0.96%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. Samsara (IOT): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
ROE (TTM)--6.43%
ROA (TTM)40.99%0.49%
Net Margin (TTM)32.94%4.90%
Operating Margin (TTM)44.72%0.96%
Gross Margin (TTM)86.13%76.43%

Growth

Revenue Growth

Both Fair Isaac (FICO) at 27.33% and Samsara (IOT) at 29.57% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.

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

EPS Growth

Only one side can be read here: Fair Isaac (FICO) reports EPS growth of 36.85%, ranked against its industry; Samsara (IOT) has no EPS growth figure this period.

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

Growth Metrics

Growth metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
Revenue Growth (YoY)27.33%29.57%
Revenue Growth (3Y CAGR)18.76%35.37%
EPS Growth (YoY)36.85%--
EPS Growth (3Y CAGR)28.97%--

Financial Strength

Current Ratio (MRQ)

Samsara (IOT) at 1.63 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

IOT

Software & Services industry group

1.63

Max
5.11
Q3
2.77
Median
1.67
IOT
1.63
Q1
1.01
Min
0.03
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Fair Isaac (FICO) vs. Samsara (IOT): 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: Samsara (IOT) carries debt-to-equity ratio of 0.04 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
--

IOT

Software & Services industry group

0.04

Max
2.52
Q3
1.13
Median
0.40
Q1
0.07
IOT
0.04
Min
0.00
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Fair Isaac (FICO) vs. Samsara (IOT): FICO does not report debt-to-equity ratio, so it has no value marker; IOT is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
Current Ratio (MRQ)0.991.63
Debt / Equity (MRQ)--0.04
Net Debt / EBITDA3.86-24.18

Dividends

Dividend Yield (TTM)

Neither Fair Isaac (FICO) nor Samsara (IOT) 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%

IOT

Software & Services industry group

0.00%

IOT
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Samsara (IOT): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Fair Isaac (FICO) nor Samsara (IOT) 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%

IOT

Software & Services industry group

0.00%

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

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
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 Samsara (IOT) at 292.71 sits above its peer range — an unusually expensive price for IOT’s trailing earnings.

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

IOT

Software & Services industry group

292.71

IOT
292.71
Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
Min
6.69
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Fair Isaac (FICO) vs. Samsara (IOT): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Fair Isaac (FICO) at 6.00 is priced about in line with its industry on P/S ratio, while Samsara (IOT) at 12.99 sits in the pricier quartile — IOT 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

IOT

Software & Services industry group

12.99

Max
17.91
IOT
12.99
Q3
8.78
Median
4.25
Q1
2.23
Min
0.02
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Fair Isaac (FICO) vs. Samsara (IOT): 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 Samsara (IOT) reports 14.97, 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

IOT

Software & Services industry group

14.97

Max
16.63
IOT
14.97
Q3
8.50
Median
4.30
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. Samsara (IOT): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and Samsara (IOT)
MetricFICOIOT
P/E Ratio (TTM)19.40292.71
P/S Ratio (TTM)6.0012.99
P/B Ratio (MRQ)-3.9014.97
Free Cash Flow Yield (TTM)6.54%1.09%