FICO vs. MANH: Fair Isaac vs. Manhattan Associates Stock Comparison
How do Fair Isaac (FICO) and Manhattan Associates (MANH) 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 Manhattan Associates (MANH) 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 | MANH |
|---|---|---|
| Name | Fair Isaac Corp. | Manhattan Associates 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 | 14.68 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | July 22, 1987 | April 23, 1998 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FICO | MANH |
|---|---|---|
| Total Return (1Y) | -58.54% | 42.28% |
| Total Return (3Y, Annualized) | -9.17% | 6.91% |
| Total Return (5Y, Annualized) | 12.31% | 7.39% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FICO | MANH |
|---|---|---|
| Volatility (1Y, Annualized) | 63.29% | 46.95% |
| Beta (5Y) | 1.33 | 0.82 |
| Max Drawdown (5Y) | -75.13% | -60.98% |
| Avg. Volume (3M) | 759.34K | 751.46K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FICO | MANH |
|---|---|---|
| Sharpe Ratio (1Y) | -0.99 | 0.81 |
| Sortino Ratio (1Y) | -1.20 | 1.27 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Manhattan Associates (MANH) earns 83.51% 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
- --
MANH
Software & Services industry group
83.51%
- MANH
- 83.51%
- Max
- 53.85%
- 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 Manhattan Associates (MANH) at 18.41% 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%
MANH
Software & Services industry group
18.41%
- Max
- 41.17%
- MANH
- 18.41%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Both Fair Isaac (FICO) at 44.72% and Manhattan Associates (MANH) at 26.45% 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%
MANH
Software & Services industry group
26.45%
- Max
- 46.89%
- MANH
- 26.45%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | FICO | MANH |
|---|---|---|
| ROE (TTM) | -- | 83.51% |
| ROA (TTM) | 40.99% | 23.64% |
| Net Margin (TTM) | 32.94% | 18.41% |
| Operating Margin (TTM) | 44.72% | 26.45% |
| Gross Margin (TTM) | 86.13% | 55.93% |
Growth
Revenue Growth
Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Manhattan Associates (MANH) at 3.75% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Both Fair Isaac (FICO) at 36.85% and Manhattan Associates (MANH) at 2.56% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | FICO | MANH |
|---|---|---|
| Revenue Growth (YoY) | 27.33% | 3.75% |
| Revenue Growth (3Y CAGR) | 18.76% | 12.13% |
| EPS Growth (YoY) | 36.85% | 2.56% |
| EPS Growth (3Y CAGR) | 28.97% | 21.04% |
Financial Strength
Current Ratio (MRQ)
Manhattan Associates (MANH) at 1.07 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
MANH
Software & Services industry group
1.07
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- MANH
- 1.07
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: Manhattan Associates (MANH) carries debt-to-equity ratio of 0.26 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
- --
MANH
Software & Services industry group
0.26
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- MANH
- 0.26
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | FICO | MANH |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 1.07 |
| Debt / Equity (MRQ) | -- | 0.26 |
| Net Debt / EBITDA | 3.86 | -0.50 |
Dividends
Dividend Yield (TTM)
Neither Fair Isaac (FICO) nor Manhattan Associates (MANH) 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%
MANH
Software & Services industry group
0.00%
- MANH
- 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 Manhattan Associates (MANH) 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%
MANH
Software & Services industry group
0.00%
- MANH
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FICO | MANH |
|---|---|---|
| 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 Manhattan Associates (MANH) at 70.81 sits in the richer quartile — MANH 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
MANH
Software & Services industry group
70.81
- Max
- 112.94
- MANH
- 70.81
- 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 Manhattan Associates (MANH) at 12.69 sits in the pricier quartile — MANH 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
MANH
Software & Services industry group
12.69
- Max
- 17.91
- MANH
- 12.69
- 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 Manhattan Associates (MANH) reports 73.12, 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
MANH
Software & Services industry group
73.12
- MANH
- 73.12
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | FICO | MANH |
|---|---|---|
| P/E Ratio (TTM) | 19.40 | 70.81 |
| P/S Ratio (TTM) | 6.00 | 12.69 |
| P/B Ratio (MRQ) | -3.90 | 73.12 |
| Free Cash Flow Yield (TTM) | 6.54% | 2.21% |