FICO vs. SAP: Fair Isaac vs. SAP Stock Comparison
How do Fair Isaac (FICO) and SAP (SAP) 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 SAP (SAP) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.
Fair Isaac (FICO) trades as ordinary local shares, while SAP (SAP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | FICO | SAP |
|---|---|---|
| Name | Fair Isaac Corp. | SAP SE Sponsored ADR |
| Country/Region | United States | Germany |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry Group | Software & Services | Software & Services |
| GICS Industry | Software | Software |
| GICS Sub-Industry | Application Software | Application Software |
| Market Capitalization | 15.22 billion USD | 269.45 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 22, 1987 | September 18, 1995 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FICO | SAP |
|---|---|---|
| Total Return (1Y) | -58.54% | -3.87% |
| Total Return (3Y, Annualized) | -9.17% | 20.21% |
| Total Return (5Y, Annualized) | 12.31% | 11.79% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FICO | SAP |
|---|---|---|
| Volatility (1Y, Annualized) | 63.29% | 39.05% |
| Beta (5Y) | 1.33 | 1.09 |
| Max Drawdown (5Y) | -75.13% | -52.26% |
| Avg. Volume (3M) | 759.34K | 2.27M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FICO | SAP |
|---|---|---|
| Sharpe Ratio (1Y) | -0.99 | -0.21 |
| Sortino Ratio (1Y) | -1.20 | -0.29 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: SAP (SAP) earns 18.18% 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
- --
SAP
Software & Services industry group
18.18%
- Max
- 53.85%
- SAP
- 18.18%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
For every dollar of sales, both Fair Isaac (FICO) at 32.94% and SAP (SAP) at 20.41% 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%
SAP
Software & Services industry group
20.41%
- Max
- 41.17%
- SAP
- 20.41%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Both Fair Isaac (FICO) at 44.72% and SAP (SAP) at 29.50% 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%
SAP
Software & Services industry group
29.50%
- Max
- 46.89%
- SAP
- 29.50%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | FICO | SAP |
|---|---|---|
| ROE (TTM) | -- | 18.18% |
| ROA (TTM) | 40.99% | 9.91% |
| Net Margin (TTM) | 32.94% | 20.41% |
| Operating Margin (TTM) | 44.72% | 29.50% |
| Gross Margin (TTM) | 86.13% | 73.58% |
Growth
Revenue Growth
Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while SAP (SAP) at 7.68% is closer to the peer norm — faster top-line expansion for FICO.
EPS Growth
SAP (SAP) at 130.19% 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 SAP.
Growth Metrics
| Metric | FICO | SAP |
|---|---|---|
| Revenue Growth (YoY) | 27.33% | 7.68% |
| Revenue Growth (3Y CAGR) | 18.76% | 7.63% |
| EPS Growth (YoY) | 36.85% | 130.19% |
| EPS Growth (3Y CAGR) | 28.97% | 46.25% |
Financial Strength
Current Ratio (MRQ)
SAP (SAP) at 1.16 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
SAP
Software & Services industry group
1.16
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- SAP
- 1.16
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: SAP (SAP) carries debt-to-equity ratio of 0.23 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
- --
SAP
Software & Services industry group
0.23
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- SAP
- 0.23
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | FICO | SAP |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 1.16 |
| Debt / Equity (MRQ) | -- | 0.23 |
| Net Debt / EBITDA | 3.86 | -0.03 |
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 SAP (SAP) reports a yield of 1.03%, 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%
SAP
Software & Services industry group
1.03%
- SAP
- 1.03%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
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 SAP (SAP) reports a payout of 36.45%, 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%
SAP
Software & Services industry group
36.45%
- SAP
- 36.45%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FICO | SAP |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.03% |
| Dividend Payout Ratio (TTM) | 0.00% | 36.45% |
Valuation
P/E Ratio (TTM)
Both Fair Isaac (FICO) at 19.40 and SAP (SAP) at 29.07 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
SAP
Software & Services industry group
29.07
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- SAP
- 29.07
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
On P/S ratio, both Fair Isaac (FICO) at 6.00 and SAP (SAP) at 6.84 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
SAP
Software & Services industry group
6.84
- Max
- 17.91
- Q3
- 8.78
- SAP
- 6.84
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
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 SAP (SAP) reports 73.25, 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
SAP
Software & Services industry group
73.25
- SAP
- 73.25
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | FICO | SAP |
|---|---|---|
| P/E Ratio (TTM) | 19.40 | 29.07 |
| P/S Ratio (TTM) | 6.00 | 6.84 |
| P/B Ratio (MRQ) | -3.90 | 73.25 |
| Free Cash Flow Yield (TTM) | 6.54% | 3.73% |