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FICO vs. NBIS: Fair Isaac vs. Nebius Stock Comparison

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

Fair Isaac (FICO) carries decades of public-market history since July 22, 1987, while Nebius (NBIS) listed on October 21, 2024 — long-window comparisons have far more historical data on the FICO side.

Company profile comparison for Fair Isaac (FICO) and Nebius (NBIS)
Profile ItemFICONBIS
NameFair Isaac Corp.Nebius Group N.V. Class A Ordinary Shares
Country/RegionUnited StatesNetherlands
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareSystems Software
Market Capitalization15.22 billion USD35.20 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJuly 22, 1987October 21, 2024
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FICO
NBIS
GSPC
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Fair Isaac (FICO) vs. Nebius (NBIS), 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 Nebius (NBIS). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and Nebius (NBIS)
MetricFICONBIS
Total Return (1Y)-58.54%25.86%
Total Return (3Y, Annualized)-9.17%--
Total Return (5Y, Annualized)12.31%--

Risk Profile

Drawdown History

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

Risk Metrics

Nebius (NBIS) is heavily traded at around 20.58M 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 Nebius (NBIS)
MetricFICONBIS
Volatility (1Y, Annualized)63.29%111.62%
Beta (5Y)1.334.66
Max Drawdown (5Y)-75.13%-58.27%
Avg. Volume (3M)759.34K20.58M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and NBIS 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 Nebius (NBIS)
MetricFICONBIS
Sharpe Ratio (1Y)-0.990.19
Sortino Ratio (1Y)-1.200.31

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Nebius (NBIS) earns 0.60% 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
--

NBIS

Software & Services industry group

0.60%

Max
53.85%
Q3
17.90%
Median
6.59%
NBIS
0.60%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. Nebius (NBIS): FICO does not report ROE, so it has no value marker; NBIS 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 Nebius (NBIS) at 3.13%, 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%

NBIS

Software & Services industry group

3.13%

Max
41.17%
Q3
15.28%
Median
4.63%
NBIS
3.13%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. Nebius (NBIS): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Nebius (NBIS) reports a negative operating margin of -0.22%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile Fair Isaac (FICO) reports 44.72%, ranking against industry peers normally.

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%

NBIS

Software & Services industry group

-0.22%

Max
46.89%
Q3
17.64%
Median
8.73%
NBIS
-0.22%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. Nebius (NBIS): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and Nebius (NBIS)
MetricFICONBIS
ROE (TTM)--0.60%
ROA (TTM)40.99%-1.92%
Net Margin (TTM)32.94%3.13%
Operating Margin (TTM)44.72%-0.22%
Gross Margin (TTM)86.13%74.26%

Growth

Revenue Growth

Both companies are growing quickly, but Nebius (NBIS) at 479.02% is the standout with revenue growth above its industry range; Fair Isaac (FICO) at 27.33% also sits in the top quartile.

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Fair Isaac (FICO) vs. Nebius (NBIS): 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; Nebius (NBIS) has no EPS growth figure this period.

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

Growth Metrics

Growth metrics for Fair Isaac (FICO) and Nebius (NBIS)
MetricFICONBIS
Revenue Growth (YoY)27.33%479.02%
Revenue Growth (3Y CAGR)18.76%239.83%
EPS Growth (YoY)36.85%--
EPS Growth (3Y CAGR)28.97%-28.68%

Financial Strength

Current Ratio (MRQ)

Nebius (NBIS) at 4.03 carries current ratio above its industry’s typical mid-range, while Fair Isaac (FICO) at 0.99 runs in the tighter-liquidity quartile — different working-capital profiles, both worth examining.

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

NBIS

Software & Services industry group

4.03

Max
5.11
NBIS
4.03
Q3
2.77
Median
1.67
Q1
1.01
Min
0.03
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Fair Isaac (FICO) vs. Nebius (NBIS): 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: Nebius (NBIS) carries debt-to-equity ratio of 0.99 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
--

NBIS

Software & Services industry group

0.99

Max
2.52
Q3
1.13
NBIS
0.99
Median
0.40
Q1
0.07
Min
0.00
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Fair Isaac (FICO) vs. Nebius (NBIS): FICO does not report debt-to-equity ratio, so it has no value marker; NBIS is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and Nebius (NBIS)
MetricFICONBIS
Current Ratio (MRQ)0.994.03
Debt / Equity (MRQ)--0.99
Net Debt / EBITDA3.868.35

Dividends

Dividend Yield (TTM)

Neither Fair Isaac (FICO) nor Nebius (NBIS) 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%

NBIS

Software & Services industry group

0.00%

NBIS
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. Nebius (NBIS): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Fair Isaac (FICO) nor Nebius (NBIS) 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%

NBIS

Software & Services industry group

0.00%

NBIS
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. Nebius (NBIS): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and Nebius (NBIS)
MetricFICONBIS
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 Nebius (NBIS) at 101.16 sits in the richer quartile — NBIS 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

NBIS

Software & Services industry group

101.16

Max
112.94
NBIS
101.16
Q3
60.32
Median
32.91
Q1
18.77
Min
6.69
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Fair Isaac (FICO) vs. Nebius (NBIS): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Fair Isaac (FICO) at 6.00 prices around its industry’s typical P/S ratio, while Nebius (NBIS) at 25.98 clears its benchmark range — NBIS looks notably rich on 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

NBIS

Software & Services industry group

25.98

NBIS
25.98
Max
17.91
Q3
8.78
Median
4.25
Q1
2.23
Min
0.02
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Fair Isaac (FICO) vs. Nebius (NBIS): 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 Nebius (NBIS) reports 3.43, 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

NBIS

Software & Services industry group

3.43

Max
16.63
Q3
8.50
Median
4.30
NBIS
3.43
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. Nebius (NBIS): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and Nebius (NBIS)
MetricFICONBIS
P/E Ratio (TTM)19.40101.16
P/S Ratio (TTM)6.0025.98
P/B Ratio (MRQ)-3.903.43
Free Cash Flow Yield (TTM)6.54%-27.31%