FICO vs. SHOP: Fair Isaac vs. Shopify Stock Comparison
How do Fair Isaac (FICO) and Shopify (SHOP) 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 Shopify (SHOP) both fall under the Software & Services industry group, but FICO is classified in Software while SHOP is classified in IT Services.
| Profile Item | FICO | SHOP |
|---|---|---|
| Name | Fair Isaac Corp. | Shopify Inc. |
| Country/Region | United States | Canada |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry Group | Software & Services | Software & Services |
| GICS Industry | Software | IT Services |
| GICS Sub-Industry | Application Software | Internet Services & Infrastructure |
| Market Capitalization | 15.22 billion USD | 191.58 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | July 22, 1987 | May 20, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FICO | SHOP |
|---|---|---|
| Total Return (1Y) | -58.54% | -0.87% |
| Total Return (3Y, Annualized) | -9.17% | 35.77% |
| Total Return (5Y, Annualized) | 12.31% | -0.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FICO | SHOP |
|---|---|---|
| Volatility (1Y, Annualized) | 63.29% | 59.71% |
| Beta (5Y) | 1.33 | 2.65 |
| Max Drawdown (5Y) | -75.13% | -84.82% |
| Avg. Volume (3M) | 759.34K | 8.79M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FICO | SHOP |
|---|---|---|
| Sharpe Ratio (1Y) | -0.99 | -0.09 |
| Sortino Ratio (1Y) | -1.20 | -0.12 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Shopify (SHOP) earns 16.83% 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
- --
SHOP
Software & Services industry group
16.83%
- Max
- 53.85%
- Q3
- 17.90%
- SHOP
- 16.83%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
Fair Isaac (FICO) at 32.94% retains a top-quartile share of revenue as profit, ahead of Shopify (SHOP) at 15.01%, which keeps about the industry-typical share.
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%
SHOP
Software & Services industry group
15.01%
- Max
- 41.17%
- Q3
- 15.28%
- SHOP
- 15.01%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Both Fair Isaac (FICO) at 44.72% and Shopify (SHOP) at 18.39% 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%
SHOP
Software & Services industry group
18.39%
- Max
- 46.89%
- SHOP
- 18.39%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | FICO | SHOP |
|---|---|---|
| ROE (TTM) | -- | 16.83% |
| ROA (TTM) | 40.99% | 10.77% |
| Net Margin (TTM) | 32.94% | 15.01% |
| Operating Margin (TTM) | 44.72% | 18.39% |
| Gross Margin (TTM) | 86.13% | 47.49% |
Growth
Revenue Growth
Both Fair Isaac (FICO) at 27.33% and Shopify (SHOP) at 30.14% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Both Fair Isaac (FICO) at 36.85% and Shopify (SHOP) at -39.47% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | FICO | SHOP |
|---|---|---|
| Revenue Growth (YoY) | 27.33% | 30.14% |
| Revenue Growth (3Y CAGR) | 18.76% | 27.31% |
| EPS Growth (YoY) | 36.85% | -39.47% |
| EPS Growth (3Y CAGR) | 28.97% | -- |
Financial Strength
Current Ratio (MRQ)
Shopify (SHOP) at 4.86 carries current ratio above its industry’s typical mid-range, while Fair Isaac (FICO) at 0.99 runs in the tighter-liquidity quartile — different working-capital profiles, both worth examining.
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
SHOP
Software & Services industry group
4.86
- Max
- 5.11
- SHOP
- 4.86
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: Shopify (SHOP) carries debt-to-equity ratio of 0.01 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
- --
SHOP
Software & Services industry group
0.01
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- Q1
- 0.07
- SHOP
- 0.01
- Min
- 0.00
Financial Strength Metrics
| Metric | FICO | SHOP |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 4.86 |
| Debt / Equity (MRQ) | -- | 0.01 |
| Net Debt / EBITDA | 3.86 | -1.75 |
Dividends
Dividend Yield (TTM)
Neither Fair Isaac (FICO) nor Shopify (SHOP) 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%
SHOP
Software & Services industry group
0.00%
- SHOP
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Fair Isaac (FICO) nor Shopify (SHOP) 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%
SHOP
Software & Services industry group
0.00%
- SHOP
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FICO | SHOP |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Fair Isaac (FICO) at 19.40 is near its industry’s usual P/E ratio, while Shopify (SHOP) at 91.36 sits in the richer quartile — SHOP needs stronger growth or earnings quality to justify the premium.
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
SHOP
Software & Services industry group
91.36
- Max
- 112.94
- SHOP
- 91.36
- Q3
- 60.32
- Median
- 32.91
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
Fair Isaac (FICO) at 6.00 is priced about in line with its industry on P/S ratio, while Shopify (SHOP) at 13.52 sits in the pricier quartile — SHOP costs more per dollar of sales.
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
SHOP
Software & Services industry group
13.52
- Max
- 17.91
- SHOP
- 13.52
- Q3
- 8.78
- 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 Shopify (SHOP) reports 15.02, 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
SHOP
Software & Services industry group
15.02
- Max
- 16.63
- SHOP
- 15.02
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | FICO | SHOP |
|---|---|---|
| P/E Ratio (TTM) | 19.40 | 91.36 |
| P/S Ratio (TTM) | 6.00 | 13.52 |
| P/B Ratio (MRQ) | -3.90 | 15.02 |
| Free Cash Flow Yield (TTM) | 6.54% | 0.86% |