FICO vs. NOW: Fair Isaac vs. ServiceNow Stock Comparison

November 11, 2026

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

Company profile comparison for Fair Isaac (FICO) and ServiceNow (NOW)
Profile Item	FICO	NOW
Name	Fair Isaac Corp.	ServiceNow 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	Systems Software
Market Capitalization	15.22 billion USD	105.84 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	July 22, 1987	June 29, 2012
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

FICO

NOW

GSPC

Fair Isaac (FICO) vs. ServiceNow (NOW), 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 ServiceNow (NOW). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and ServiceNow (NOW)
Metric	FICO	NOW
Total Return (1Y)	-58.54%	-39.72%
Total Return (3Y, Annualized)	-9.17%	-5.71%
Total Return (5Y, Annualized)	12.31%	-5.55%

Risk Profile

Drawdown History

FICO

NOW

GSPC

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

Risk Metrics

ServiceNow (NOW) is heavily traded at around 15.74M 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 ServiceNow (NOW)
Metric	FICO	NOW
Volatility (1Y, Annualized)	63.29%	64.49%
Beta (5Y)	1.33	0.98
Max Drawdown (5Y)	-75.13%	-64.54%
Avg. Volume (3M)	759.34K	15.74M

Risk-Adjusted Performance

Risk-Return Positioning

FICO and NOW 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 ServiceNow (NOW)
Metric	FICO	NOW
Sharpe Ratio (1Y)	-0.99	-0.68
Sortino Ratio (1Y)	-1.20	-0.89

Profitability

ROE (TTM)

Capital efficiency shows on one side only: ServiceNow (NOW) earns 11.85% 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: --

NOW

Software & Services industry group

11.85%

Max: 53.85%
Q3: 17.90%
NOW: 11.85%
Median: 6.59%
Q1: -9.59%
Min: -50.52%

Fair Isaac (FICO) vs. ServiceNow (NOW): FICO does not report ROE, so it has no value marker; NOW 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 ServiceNow (NOW) at 9.36%, 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%

NOW

Software & Services industry group

9.36%

Max: 41.17%
Q3: 15.28%
NOW: 9.36%
Median: 4.63%
Q1: -5.42%
Min: -33.17%

Fair Isaac (FICO) vs. ServiceNow (NOW): 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 ServiceNow (NOW) at 17.39%, 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%

NOW

Software & Services industry group

17.39%

Max: 46.89%
Q3: 17.64%
NOW: 17.39%
Median: 8.73%
Q1: -2.13%
Min: -30.45%

Fair Isaac (FICO) vs. ServiceNow (NOW): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and ServiceNow (NOW)
Metric	FICO	NOW
ROE (TTM)	--	11.85%
ROA (TTM)	40.99%	4.59%
Net Margin (TTM)	32.94%	9.36%
Operating Margin (TTM)	44.72%	17.39%
Gross Margin (TTM)	86.13%	73.08%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while ServiceNow (NOW) at 20.88% is closer to the peer norm — faster top-line expansion for FICO.

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

EPS Growth

Both Fair Isaac (FICO) at 36.85% and ServiceNow (NOW) at 22.08% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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

Growth Metrics

Growth metrics for Fair Isaac (FICO) and ServiceNow (NOW)
Metric	FICO	NOW
Revenue Growth (YoY)	27.33%	20.88%
Revenue Growth (3Y CAGR)	18.76%	22.38%
EPS Growth (YoY)	36.85%	22.08%
EPS Growth (3Y CAGR)	28.97%	73.46%

Financial Strength

Current Ratio (MRQ)

Both Fair Isaac (FICO) at 0.99 and ServiceNow (NOW) at 0.72 run current ratio in the tighter-liquidity quartile of industry peers, leaving thinner cushions against current liabilities than typical competitors.

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

NOW

Software & Services industry group

0.72

Max: 5.11
Q3: 2.77
Median: 1.67
Q1: 1.01
NOW: 0.72
Min: 0.03

Fair Isaac (FICO) vs. ServiceNow (NOW): 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: ServiceNow (NOW) carries debt-to-equity ratio of 0.64 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: --

NOW

Software & Services industry group

0.64

Max: 2.52
Q3: 1.13
NOW: 0.64
Median: 0.40
Q1: 0.07
Min: 0.00

Fair Isaac (FICO) vs. ServiceNow (NOW): FICO does not report debt-to-equity ratio, so it has no value marker; NOW is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and ServiceNow (NOW)
Metric	FICO	NOW
Current Ratio (MRQ)	0.99	0.72
Debt / Equity (MRQ)	--	0.64
Net Debt / EBITDA	3.86	1.18

Dividends

Dividend Yield (TTM)

Neither Fair Isaac (FICO) nor ServiceNow (NOW) 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%

NOW

Software & Services industry group

0.00%

NOW: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Fair Isaac (FICO) vs. ServiceNow (NOW): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Fair Isaac (FICO) nor ServiceNow (NOW) 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%

NOW

Software & Services industry group

0.00%

NOW: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Fair Isaac (FICO) vs. ServiceNow (NOW): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and ServiceNow (NOW)
Metric	FICO	NOW
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 ServiceNow (NOW) at 73.36 sits in the richer quartile — NOW 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

NOW

Software & Services industry group

73.36

Max: 112.94
NOW: 73.36
Q3: 60.32
Median: 32.91
Q1: 18.77
Min: 6.69

Fair Isaac (FICO) vs. ServiceNow (NOW): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Fair Isaac (FICO) at 6.00 and ServiceNow (NOW) at 6.86 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

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

NOW

Software & Services industry group

6.86

Max: 17.91
Q3: 8.78
NOW: 6.86
Median: 4.25
Q1: 2.23
Min: 0.02

Fair Isaac (FICO) vs. ServiceNow (NOW): 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 ServiceNow (NOW) reports 8.08, 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

NOW

Software & Services industry group

8.08

Max: 16.63
Q3: 8.50
NOW: 8.08
Median: 4.30
Q1: 1.92
Min: -3.90

Fair Isaac (FICO) vs. ServiceNow (NOW): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and ServiceNow (NOW)
Metric	FICO	NOW
P/E Ratio (TTM)	19.40	73.36
P/S Ratio (TTM)	6.00	6.86
P/B Ratio (MRQ)	-3.90	8.08
Free Cash Flow Yield (TTM)	6.54%	5.44%