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FICO vs. MSFT: Fair Isaac vs. Microsoft Stock Comparison

How do Fair Isaac (FICO) and Microsoft (MSFT) 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 Microsoft (MSFT) both belong to the Software industry, though FICO is classified under Application Software while MSFT falls under Systems Software.

Company profile comparison for Fair Isaac (FICO) and Microsoft (MSFT)
Profile ItemFICOMSFT
NameFair Isaac Corp.Microsoft Corporation Common Stock
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareSystems Software
Market Capitalization15.22 billion USD3,940.41 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJuly 22, 1987March 13, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FICO
MSFT
GSPC
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Fair Isaac (FICO) vs. Microsoft (MSFT), 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 Microsoft (MSFT). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
Total Return (1Y)-58.54%10.30%
Total Return (3Y, Annualized)-9.17%15.53%
Total Return (5Y, Annualized)12.31%11.01%

Risk Profile

Drawdown History

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

Risk Metrics

Microsoft (MSFT) is heavily traded at around 22.95M shares per day, whereas Fair Isaac (FICO) sees a more moderate 759.34K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk profile metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
Volatility (1Y, Annualized)63.29%33.91%
Beta (5Y)1.331.03
Max Drawdown (5Y)-75.13%-37.15%
Avg. Volume (3M)759.34K22.95M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and MSFT 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 Microsoft (MSFT)
MetricFICOMSFT
Sharpe Ratio (1Y)-0.990.18
Sortino Ratio (1Y)-1.200.28

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Microsoft (MSFT) earns 34.22% 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
--

MSFT

Software & Services industry group

34.22%

Max
53.85%
MSFT
34.22%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. Microsoft (MSFT): FICO does not report ROE, so it has no value marker; MSFT is benchmarked against the Software & Services industry group.

Net Margin (TTM)

For every dollar of sales, both Fair Isaac (FICO) at 32.94% and Microsoft (MSFT) at 41.17% 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%

MSFT

Software & Services industry group

41.17%

MSFT
41.17%
Max
41.17%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. Microsoft (MSFT): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Microsoft (MSFT) at 49.76% shows unusually strong operating efficiency — above its industry’s operating margin range — and Fair Isaac (FICO) at 44.72% also operates in the top quartile.

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%

MSFT

Software & Services industry group

49.76%

MSFT
49.76%
Max
46.89%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. Microsoft (MSFT): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
ROE (TTM)--34.22%
ROA (TTM)40.99%14.41%
Net Margin (TTM)32.94%41.17%
Operating Margin (TTM)44.72%49.76%
Gross Margin (TTM)86.13%67.66%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Microsoft (MSFT) at 17.79% is closer to the peer norm — faster top-line expansion for FICO.

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

EPS Growth

Both Fair Isaac (FICO) at 36.85% and Microsoft (MSFT) at 31.60% 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. Microsoft (MSFT): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
Revenue Growth (YoY)27.33%17.79%
Revenue Growth (3Y CAGR)18.76%16.12%
EPS Growth (YoY)36.85%31.60%
EPS Growth (3Y CAGR)28.97%22.86%

Financial Strength

Current Ratio (MRQ)

Microsoft (MSFT) at 1.23 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

MSFT

Software & Services industry group

1.23

Max
5.11
Q3
2.77
Median
1.67
MSFT
1.23
Q1
1.01
Min
0.03
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Fair Isaac (FICO) vs. Microsoft (MSFT): 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: Microsoft (MSFT) carries debt-to-equity ratio of 0.28 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
--

MSFT

Software & Services industry group

0.28

Max
2.52
Q3
1.13
Median
0.40
MSFT
0.28
Q1
0.07
Min
0.00
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Fair Isaac (FICO) vs. Microsoft (MSFT): FICO does not report debt-to-equity ratio, so it has no value marker; MSFT is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
Current Ratio (MRQ)0.991.23
Debt / Equity (MRQ)--0.28
Net Debt / EBITDA3.860.34

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 Microsoft (MSFT) reports a yield of 0.69%, 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%

MSFT

Software & Services industry group

0.69%

MSFT
0.69%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Microsoft (MSFT): 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 Microsoft (MSFT) reports a payout of 19.00%, 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%

MSFT

Software & Services industry group

19.00%

MSFT
19.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Microsoft (MSFT): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
Dividend Yield (TTM)0.00%0.69%
Dividend Payout Ratio (TTM)0.00%19.00%

Valuation

P/E Ratio (TTM)

Both Fair Isaac (FICO) at 19.40 and Microsoft (MSFT) at 27.69 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

MSFT

Software & Services industry group

27.69

Max
112.94
Q3
60.32
Median
32.91
MSFT
27.69
Q1
18.77
Min
6.69
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Fair Isaac (FICO) vs. Microsoft (MSFT): 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 Microsoft (MSFT) at 11.37 sits in the pricier quartile — MSFT 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

MSFT

Software & Services industry group

11.37

Max
17.91
MSFT
11.37
Q3
8.78
Median
4.25
Q1
2.23
Min
0.02
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Fair Isaac (FICO) vs. Microsoft (MSFT): 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 Microsoft (MSFT) reports 8.38, 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

MSFT

Software & Services industry group

8.38

Max
16.63
Q3
8.50
MSFT
8.38
Median
4.30
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. Microsoft (MSFT): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and Microsoft (MSFT)
MetricFICOMSFT
P/E Ratio (TTM)19.4027.69
P/S Ratio (TTM)6.0011.37
P/B Ratio (MRQ)-3.908.38
Free Cash Flow Yield (TTM)6.54%0.08%