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FICO vs. ORCL: Fair Isaac vs. Oracle Stock Comparison

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

Company profile comparison for Fair Isaac (FICO) and Oracle (ORCL)
Profile ItemFICOORCL
NameFair Isaac Corp.Oracle Corporation
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareSystems Software
Market Capitalization15.22 billion USD361.97 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJuly 22, 1987March 12, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FICO
ORCL
GSPC
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Fair Isaac (FICO) vs. Oracle (ORCL), 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 Oracle (ORCL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and Oracle (ORCL)
MetricFICOORCL
Total Return (1Y)-58.54%-49.72%
Total Return (3Y, Annualized)-9.17%3.11%
Total Return (5Y, Annualized)12.31%6.07%

Risk Profile

Drawdown History

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

Risk Metrics

Oracle (ORCL) is heavily traded at around 33.24M 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 Oracle (ORCL)
MetricFICOORCL
Volatility (1Y, Annualized)63.29%59.45%
Beta (5Y)1.331.80
Max Drawdown (5Y)-75.13%-64.58%
Avg. Volume (3M)759.34K33.24M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and ORCL 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 Oracle (ORCL)
MetricFICOORCL
Sharpe Ratio (1Y)-0.99-0.91
Sortino Ratio (1Y)-1.20-1.29

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Oracle (ORCL) earns 41.19% 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
--

ORCL

Software & Services industry group

41.19%

Max
53.85%
ORCL
41.19%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. Oracle (ORCL): FICO does not report ROE, so it has no value marker; ORCL is benchmarked against the Software & Services industry group.

Net Margin (TTM)

For every dollar of sales, both Fair Isaac (FICO) at 32.94% and Oracle (ORCL) at 26.36% 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%

ORCL

Software & Services industry group

26.36%

Max
41.17%
ORCL
26.36%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. Oracle (ORCL): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Both Fair Isaac (FICO) at 44.72% and Oracle (ORCL) at 35.63% 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%

ORCL

Software & Services industry group

35.63%

Max
46.89%
ORCL
35.63%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. Oracle (ORCL): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and Oracle (ORCL)
MetricFICOORCL
ROE (TTM)--41.19%
ROA (TTM)40.99%6.36%
Net Margin (TTM)32.94%26.36%
Operating Margin (TTM)44.72%35.63%
Gross Margin (TTM)86.13%63.96%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Oracle (ORCL) at 17.35% is closer to the peer norm — faster top-line expansion for FICO.

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

EPS Growth

Both Fair Isaac (FICO) at 36.85% and Oracle (ORCL) at 34.33% 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. Oracle (ORCL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Fair Isaac (FICO) and Oracle (ORCL)
MetricFICOORCL
Revenue Growth (YoY)27.33%17.35%
Revenue Growth (3Y CAGR)18.76%10.48%
EPS Growth (YoY)36.85%34.33%
EPS Growth (3Y CAGR)28.97%23.84%

Financial Strength

Current Ratio (MRQ)

Oracle (ORCL) at 1.17 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

ORCL

Software & Services industry group

1.17

Max
5.11
Q3
2.77
Median
1.67
ORCL
1.17
Q1
1.01
Min
0.03
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Fair Isaac (FICO) vs. Oracle (ORCL): 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: Oracle (ORCL) carries debt-to-equity ratio of 2.52 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
--

ORCL

Software & Services industry group

2.52

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

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and Oracle (ORCL)
MetricFICOORCL
Current Ratio (MRQ)0.991.17
Debt / Equity (MRQ)--2.52
Net Debt / EBITDA3.863.84

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 Oracle (ORCL) reports a yield of 1.74%, 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%

ORCL

Software & Services industry group

1.74%

ORCL
1.74%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Oracle (ORCL): 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 Oracle (ORCL) reports a payout of 31.35%, 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%

ORCL

Software & Services industry group

31.35%

ORCL
31.35%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Oracle (ORCL): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and Oracle (ORCL)
MetricFICOORCL
Dividend Yield (TTM)0.00%1.74%
Dividend Payout Ratio (TTM)0.00%31.35%

Valuation

P/E Ratio (TTM)

Oracle (ORCL) at 18.20 sits in the cheaper P/E ratio quartile, while Fair Isaac (FICO) at 19.40 is closer to its industry’s usual earnings multiple — a discount for ORCL, though growth and earnings durability still matter.

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

ORCL

Software & Services industry group

18.20

Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
ORCL
18.20
Min
6.69
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Fair Isaac (FICO) vs. Oracle (ORCL): 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 Oracle (ORCL) at 5.04 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

ORCL

Software & Services industry group

5.04

Max
17.91
Q3
8.78
ORCL
5.04
Median
4.25
Q1
2.23
Min
0.02
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Fair Isaac (FICO) vs. Oracle (ORCL): 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 Oracle (ORCL) reports 5.68, 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

ORCL

Software & Services industry group

5.68

Max
16.63
Q3
8.50
ORCL
5.68
Median
4.30
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. Oracle (ORCL): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and Oracle (ORCL)
MetricFICOORCL
P/E Ratio (TTM)19.4018.20
P/S Ratio (TTM)6.005.04
P/B Ratio (MRQ)-3.905.68
Free Cash Flow Yield (TTM)6.54%-12.67%