FICO vs. PANW: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at FICO and PANW, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | FICO | PANW |
|---|---|---|
| Company Name | Fair Isaac Corporation | Palo Alto Networks, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry | Software | Software |
| Market Capitalization | 32.05 billion USD | 118.13 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | July 22, 1987 | July 20, 2012 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of FICO and PANW by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | FICO | PANW |
|---|---|---|
| 5-Day Price Return | 0.13% | 5.21% |
| 13-Week Price Return | -37.31% | -8.60% |
| 26-Week Price Return | -29.25% | -5.61% |
| 52-Week Price Return | -22.37% | 6.83% |
| Month-to-Date Return | -7.06% | 1.88% |
| Year-to-Date Return | -32.93% | -2.80% |
| 10-Day Avg. Volume | 0.44M | 13.39M |
| 3-Month Avg. Volume | 0.31M | 6.54M |
| 3-Month Volatility | 56.71% | 35.94% |
| Beta | 1.37 | 0.97 |
Profitability
Return on Equity (TTM)
FICO
145.71%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
FICO’s Return on Equity of 145.71% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
PANW
20.06%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
PANW’s Return on Equity of 20.06% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
FICO
32.80%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
A Net Profit Margin of 32.80% places FICO in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.
PANW
13.95%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
PANW’s Net Profit Margin of 13.95% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
FICO
45.87%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
An Operating Profit Margin of 45.87% places FICO in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
PANW
11.09%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
PANW’s Operating Profit Margin of 11.09% is around the midpoint for the Software industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | FICO | PANW |
|---|---|---|
| Return on Equity (TTM) | 145.71% | 20.06% |
| Return on Assets (TTM) | 35.53% | 5.94% |
| Net Profit Margin (TTM) | 32.80% | 13.95% |
| Operating Profit Margin (TTM) | 45.87% | 11.09% |
| Gross Profit Margin (TTM) | 81.75% | 73.56% |
Financial Strength
Current Ratio (MRQ)
FICO
0.92
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
FICO’s Current Ratio of 0.92 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
PANW
0.90
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
PANW’s Current Ratio of 0.90 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
Debt-to-Equity Ratio (MRQ)
FICO
8.46
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
With a Debt-to-Equity Ratio of 8.46, FICO operates with exceptionally high leverage compared to the Software industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
PANW
0.05
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
PANW’s Debt-to-Equity Ratio of 0.05 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio (TTM)
FICO
7.08
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
FICO’s Interest Coverage Ratio of 7.08 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.
PANW
-19.72
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
PANW has a negative Interest Coverage Ratio of -19.72. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | FICO | PANW |
|---|---|---|
| Current Ratio (MRQ) | 0.92 | 0.90 |
| Quick Ratio (MRQ) | 0.83 | 0.83 |
| Debt-to-Equity Ratio (MRQ) | 8.46 | 0.05 |
| Interest Coverage Ratio (TTM) | 7.08 | -19.72 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
FICO
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
PANW
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
PANW currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
FICO
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
PANW
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
PANW has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | FICO | PANW |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
FICO
50.18
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
FICO’s P/E Ratio of 50.18 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
PANW
94.58
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
PANW’s P/E Ratio of 94.58 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
FICO
16.46
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
FICO’s P/S Ratio of 16.46 is in the upper echelon for the Software industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
PANW
13.19
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
PANW’s P/S Ratio of 13.19 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
FICO
115.88
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
At 115.88, FICO’s P/B Ratio is at an extreme premium to the Software industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
PANW
17.12
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
PANW’s P/B Ratio of 17.12 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | FICO | PANW |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 50.18 | 94.58 |
| Price-to-Sales Ratio (TTM) | 16.46 | 13.19 |
| Price-to-Book Ratio (MRQ) | 115.88 | 17.12 |
| Price-to-Free Cash Flow Ratio (TTM) | 42.44 | 39.02 |