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FICO vs. PTC: Fair Isaac vs. PTC Stock Comparison

How do Fair Isaac (FICO) and PTC (PTC) 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 PTC (PTC) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.

Company profile comparison for Fair Isaac (FICO) and PTC (PTC)
Profile ItemFICOPTC
NameFair Isaac Corp.PTC Inc.
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareApplication Software
Market Capitalization15.22 billion USD21.19 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJuly 22, 1987December 8, 1989
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

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

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
Total Return (1Y)-58.54%11.18%
Total Return (3Y, Annualized)-9.17%9.59%
Total Return (5Y, Annualized)12.31%9.86%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
Volatility (1Y, Annualized)63.29%48.48%
Beta (5Y)1.330.90
Max Drawdown (5Y)-75.13%-48.12%
Avg. Volume (3M)759.34K2.42M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and PTC 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 PTC (PTC)
MetricFICOPTC
Sharpe Ratio (1Y)-0.990.14
Sortino Ratio (1Y)-1.200.27

Profitability

ROE (TTM)

Capital efficiency shows on one side only: PTC (PTC) earns 28.55% 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
--

PTC

Software & Services industry group

28.55%

Max
53.85%
PTC
28.55%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. PTC (PTC): FICO does not report ROE, so it has no value marker; PTC is benchmarked against the Software & Services industry group.

Net Margin (TTM)

For every dollar of sales, both Fair Isaac (FICO) at 32.94% and PTC (PTC) at 37.80% 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%

PTC

Software & Services industry group

37.80%

Max
41.17%
PTC
37.80%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. PTC (PTC): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Both Fair Isaac (FICO) at 44.72% and PTC (PTC) at 32.87% 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%

PTC

Software & Services industry group

32.87%

Max
46.89%
PTC
32.87%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. PTC (PTC): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
ROE (TTM)--28.55%
ROA (TTM)40.99%8.86%
Net Margin (TTM)32.94%37.80%
Operating Margin (TTM)44.72%32.87%
Gross Margin (TTM)86.13%83.29%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while PTC (PTC) at 19.18% is closer to the peer norm — faster top-line expansion for FICO.

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

EPS Growth

PTC (PTC) at 96.79% sits in the top EPS growth quartile, while Fair Isaac (FICO) at 36.85% is closer to the peer norm — faster per-share earnings growth for PTC.

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

Growth Metrics

Growth metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
Revenue Growth (YoY)27.33%19.18%
Revenue Growth (3Y CAGR)18.76%12.32%
EPS Growth (YoY)36.85%96.79%
EPS Growth (3Y CAGR)28.97%32.32%

Financial Strength

Current Ratio (MRQ)

Short-term liquidity can only be read on one side of this pairing: Fair Isaac (FICO) shows current ratio of 0.99 against its industry benchmark, while PTC (PTC) has no reading this period.

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

PTC

Software & Services industry group

--

Max
5.11
Q3
2.77
Median
1.67
Q1
1.01
Min
0.03
PTC
--
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Fair Isaac (FICO) vs. PTC (PTC): PTC does not report current ratio, so it has no value marker; FICO is benchmarked against the Software & Services industry group.

Debt / Equity (MRQ)

Only one side’s leverage can be read here: PTC (PTC) carries debt-to-equity ratio of 0.53 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
--

PTC

Software & Services industry group

0.53

Max
2.52
Q3
1.13
PTC
0.53
Median
0.40
Q1
0.07
Min
0.00
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Fair Isaac (FICO) vs. PTC (PTC): FICO does not report debt-to-equity ratio, so it has no value marker; PTC is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
Current Ratio (MRQ)0.99--
Debt / Equity (MRQ)--0.53
Net Debt / EBITDA3.861.50

Dividends

Dividend Yield (TTM)

Neither Fair Isaac (FICO) nor PTC (PTC) 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%

PTC

Software & Services industry group

0.00%

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

Dividend Payout Ratio (TTM)

Neither Fair Isaac (FICO) nor PTC (PTC) 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%

PTC

Software & Services industry group

0.00%

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

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Both Fair Isaac (FICO) at 19.40 and PTC (PTC) at 21.84 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

PTC

Software & Services industry group

21.84

Max
112.94
Q3
60.32
Median
32.91
PTC
21.84
Q1
18.77
Min
6.69
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Fair Isaac (FICO) vs. PTC (PTC): 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 PTC (PTC) at 7.75 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

PTC

Software & Services industry group

7.75

Max
17.91
Q3
8.78
PTC
7.75
Median
4.25
Q1
2.23
Min
0.02
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Fair Isaac (FICO) vs. PTC (PTC): 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 PTC (PTC) reports 6.22, 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

PTC

Software & Services industry group

6.22

Max
16.63
Q3
8.50
PTC
6.22
Median
4.30
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. PTC (PTC): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and PTC (PTC)
MetricFICOPTC
P/E Ratio (TTM)19.4021.84
P/S Ratio (TTM)6.007.75
P/B Ratio (MRQ)-3.906.22
Free Cash Flow Yield (TTM)6.54%--