FICO vs. QXO: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at FICO and QXO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | FICO | QXO |
|---|---|---|
| Company Name | Fair Isaac Corporation | QXO, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Industrials |
| GICS Industry | Software | Trading Companies & Distributors |
| Market Capitalization | 42.92 billion USD | 11.45 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 22, 1987 | April 17, 2012 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of FICO and QXO 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 | QXO |
|---|---|---|
| 5-Day Price Return | -1.20% | -7.89% |
| 13-Week Price Return | 26.35% | -14.45% |
| 26-Week Price Return | -22.01% | -8.05% |
| 52-Week Price Return | -24.68% | 1.26% |
| Month-to-Date Return | 3.68% | -8.89% |
| Year-to-Date Return | -13.58% | 1.26% |
| 10-Day Avg. Volume | 0.19M | 7.33M |
| 3-Month Avg. Volume | 0.32M | 7.68M |
| 3-Month Volatility | 52.71% | 49.37% |
| Beta | 1.27 | 2.36 |
Profitability
Return on Equity (TTM)
FICO
145.71%
Software Industry
- Max
- 65.88%
- Q3
- 22.54%
- Median
- 10.46%
- Q1
- -6.54%
- Min
- -41.05%
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.
QXO
-2.38%
Trading Companies & Distributors Industry
- Max
- 32.99%
- Q3
- 19.30%
- Median
- 12.90%
- Q1
- 9.19%
- Min
- -4.19%
QXO has a negative Return on Equity of -2.38%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
Net Profit Margin (TTM)
FICO
32.75%
Software Industry
- Max
- 53.50%
- Q3
- 20.30%
- Median
- 9.60%
- Q1
- -4.98%
- Min
- -41.00%
A Net Profit Margin of 32.75% places FICO in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.
QXO
-3.81%
Trading Companies & Distributors Industry
- Max
- 18.35%
- Q3
- 9.73%
- Median
- 6.00%
- Q1
- 3.53%
- Min
- -3.81%
QXO has a negative Net Profit Margin of -3.81%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
Operating Profit Margin (TTM)
FICO
46.45%
Software Industry
- Max
- 61.99%
- Q3
- 23.67%
- Median
- 10.93%
- Q1
- -3.57%
- Min
- -40.19%
An Operating Profit Margin of 46.45% 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.
QXO
-5.46%
Trading Companies & Distributors Industry
- Max
- 25.07%
- Q3
- 13.61%
- Median
- 7.26%
- Q1
- 4.79%
- Min
- -7.51%
QXO has a negative Operating Profit Margin of -5.46%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | FICO | QXO |
|---|---|---|
| Return on Equity (TTM) | 145.71% | -2.38% |
| Return on Assets (TTM) | 35.86% | -1.62% |
| Net Profit Margin (TTM) | 32.75% | -3.81% |
| Operating Profit Margin (TTM) | 46.45% | -5.46% |
| Gross Profit Margin (TTM) | 82.23% | 22.49% |
Financial Strength
Current Ratio (MRQ)
FICO
0.83
Software Industry
- Max
- 4.01
- Q3
- 2.27
- Median
- 1.50
- Q1
- 1.03
- Min
- 0.25
FICO’s Current Ratio of 0.83 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.
QXO
3.06
Trading Companies & Distributors Industry
- Max
- 3.62
- Q3
- 2.33
- Median
- 1.57
- Q1
- 1.39
- Min
- 0.27
QXO’s Current Ratio of 3.06 is in the upper quartile for the Trading Companies & Distributors industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
Debt-to-Equity Ratio (MRQ)
FICO
8.46
Software Industry
- Max
- 2.04
- Q3
- 0.86
- 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.
QXO
0.33
Trading Companies & Distributors Industry
- Max
- 1.93
- Q3
- 1.19
- Median
- 0.78
- Q1
- 0.54
- Min
- 0.00
Falling into the lower quartile for the Trading Companies & Distributors industry, QXO’s Debt-to-Equity Ratio of 0.33 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio (TTM)
FICO
7.01
Software Industry
- Max
- 89.65
- Q3
- 33.82
- Median
- 1.59
- Q1
- -10.48
- Min
- -71.23
FICO’s Interest Coverage Ratio of 7.01 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.
QXO
-23.41
Trading Companies & Distributors Industry
- Max
- 15.13
- Q3
- 7.93
- Median
- 5.62
- Q1
- 1.79
- Min
- -1.67
QXO has a negative Interest Coverage Ratio of -23.41. 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 | QXO |
|---|---|---|
| Current Ratio (MRQ) | 0.83 | 3.06 |
| Quick Ratio (MRQ) | 0.78 | 2.20 |
| Debt-to-Equity Ratio (MRQ) | 8.46 | 0.33 |
| Interest Coverage Ratio (TTM) | 7.01 | -23.41 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
FICO
0.00%
Software Industry
- Max
- 0.34%
- Q3
- 0.17%
- 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.
QXO
0.84%
Trading Companies & Distributors Industry
- Max
- 5.11%
- Q3
- 2.73%
- Median
- 2.07%
- Q1
- 1.04%
- Min
- 0.00%
QXO’s Dividend Yield of 0.84% is in the lower quartile for the Trading Companies & Distributors industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio (TTM)
FICO
0.00%
Software Industry
- Max
- 12.76%
- Q3
- 6.56%
- 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.
QXO
0.00%
Trading Companies & Distributors Industry
- Max
- 136.12%
- Q3
- 68.26%
- Median
- 48.45%
- Q1
- 22.66%
- Min
- 0.00%
QXO 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 | QXO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.84% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
FICO
65.89
Software Industry
- Max
- 142.78
- Q3
- 72.24
- Median
- 36.21
- Q1
- 24.24
- Min
- 4.55
FICO’s P/E Ratio of 65.89 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.
QXO
--
Trading Companies & Distributors Industry
- Max
- 37.92
- Q3
- 24.64
- Median
- 17.42
- Q1
- 14.27
- Min
- 5.07
P/E Ratio data for QXO is currently unavailable.
Price-to-Sales Ratio (TTM)
FICO
21.58
Software Industry
- Max
- 20.79
- Q3
- 12.71
- Median
- 6.75
- Q1
- 4.56
- Min
- 0.87
With a P/S Ratio of 21.58, FICO trades at a valuation that eclipses even the highest in the Software industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
QXO
2.48
Trading Companies & Distributors Industry
- Max
- 4.94
- Q3
- 2.49
- Median
- 1.08
- Q1
- 0.75
- Min
- 0.30
QXO’s P/S Ratio of 2.48 aligns with the market consensus for the Trading Companies & Distributors 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
- 30.49
- Q3
- 14.84
- Median
- 8.09
- Q1
- 4.32
- 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.
QXO
1.31
Trading Companies & Distributors Industry
- Max
- 9.42
- Q3
- 4.66
- Median
- 2.10
- Q1
- 1.34
- Min
- 0.31
QXO’s P/B Ratio of 1.31 is in the lower quartile for the Trading Companies & Distributors industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | FICO | QXO |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 65.89 | -- |
| Price-to-Sales Ratio (TTM) | 21.58 | 2.48 |
| Price-to-Book Ratio (MRQ) | 115.88 | 1.31 |
| Price-to-Free Cash Flow Ratio (TTM) | 58.10 | 42.51 |