FICO vs. TER: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at FICO and TER, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | FICO | TER |
|---|---|---|
| Company Name | Fair Isaac Corporation | Teradyne, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry | Software | Semiconductors & Semiconductor Equipment |
| Market Capitalization | 32.05 billion USD | 18.14 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | July 22, 1987 | February 21, 1973 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of FICO and TER 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 | TER |
|---|---|---|
| 5-Day Price Return | 0.13% | 7.09% |
| 13-Week Price Return | -37.31% | 37.26% |
| 26-Week Price Return | -29.25% | -0.05% |
| 52-Week Price Return | -22.37% | -6.79% |
| Month-to-Date Return | -7.06% | 6.12% |
| Year-to-Date Return | -32.93% | -9.46% |
| 10-Day Avg. Volume | 0.44M | 4.71M |
| 3-Month Avg. Volume | 0.31M | 3.82M |
| 3-Month Volatility | 56.71% | 53.16% |
| Beta | 1.37 | 1.81 |
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.
TER
16.52%
Semiconductors & Semiconductor Equipment Industry
- Max
- 52.74%
- Q3
- 23.49%
- Median
- 11.60%
- Q1
- 3.23%
- Min
- -20.69%
TER’s Return on Equity of 16.52% is on par with the norm for the Semiconductors & Semiconductor Equipment 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.
TER
16.59%
Semiconductors & Semiconductor Equipment Industry
- Max
- 44.17%
- Q3
- 22.38%
- Median
- 11.95%
- Q1
- 3.21%
- Min
- -25.16%
TER’s Net Profit Margin of 16.59% is aligned with the median group of its peers in the Semiconductors & Semiconductor Equipment 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.
TER
18.29%
Semiconductors & Semiconductor Equipment Industry
- Max
- 58.03%
- Q3
- 27.84%
- Median
- 12.45%
- Q1
- 5.15%
- Min
- -28.61%
TER’s Operating Profit Margin of 18.29% is around the midpoint for the Semiconductors & Semiconductor Equipment industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | FICO | TER |
|---|---|---|
| Return on Equity (TTM) | 145.71% | 16.52% |
| Return on Assets (TTM) | 35.53% | 12.56% |
| Net Profit Margin (TTM) | 32.80% | 16.59% |
| Operating Profit Margin (TTM) | 45.87% | 18.29% |
| Gross Profit Margin (TTM) | 81.75% | 59.14% |
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.
TER
2.35
Semiconductors & Semiconductor Equipment Industry
- Max
- 8.42
- Q3
- 4.70
- Median
- 2.75
- Q1
- 2.07
- Min
- 1.04
TER’s Current Ratio of 2.35 aligns with the median group of the Semiconductors & Semiconductor Equipment industry, indicating that its short-term liquidity is in line with its sector peers.
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.
TER
0.00
Semiconductors & Semiconductor Equipment Industry
- Max
- 1.09
- Q3
- 0.45
- Median
- 0.22
- Q1
- 0.01
- Min
- 0.00
Falling into the lower quartile for the Semiconductors & Semiconductor Equipment industry, TER’s Debt-to-Equity Ratio of 0.00 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
7.08
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.
TER
135.68
Semiconductors & Semiconductor Equipment Industry
- Max
- 174.00
- Q3
- 81.10
- Median
- 27.22
- Q1
- 7.28
- Min
- -4.26
TER’s Interest Coverage Ratio of 135.68 is in the upper quartile for the Semiconductors & Semiconductor Equipment industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.
Financial Strength at a Glance
| Symbol | FICO | TER |
|---|---|---|
| Current Ratio (MRQ) | 0.92 | 2.35 |
| Quick Ratio (MRQ) | 0.83 | 1.21 |
| Debt-to-Equity Ratio (MRQ) | 8.46 | 0.00 |
| Interest Coverage Ratio (TTM) | 7.08 | 135.68 |
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.
TER
0.43%
Semiconductors & Semiconductor Equipment Industry
- Max
- 4.16%
- Q3
- 1.78%
- Median
- 0.74%
- Q1
- 0.00%
- Min
- 0.00%
TER’s Dividend Yield of 0.43% is consistent with its peers in the Semiconductors & Semiconductor Equipment industry, providing a dividend return that is standard for its sector.
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.
TER
16.55%
Semiconductors & Semiconductor Equipment Industry
- Max
- 196.12%
- Q3
- 87.72%
- Median
- 26.57%
- Q1
- 0.00%
- Min
- 0.00%
TER’s Dividend Payout Ratio of 16.55% is within the typical range for the Semiconductors & Semiconductor Equipment industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | FICO | TER |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.43% |
| Dividend Payout Ratio (TTM) | 0.00% | 16.55% |
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.
TER
38.58
Semiconductors & Semiconductor Equipment Industry
- Max
- 109.37
- Q3
- 57.11
- Median
- 28.95
- Q1
- 22.13
- Min
- 11.14
TER’s P/E Ratio of 38.58 is within the middle range for the Semiconductors & Semiconductor Equipment 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.
TER
6.40
Semiconductors & Semiconductor Equipment Industry
- Max
- 16.09
- Q3
- 10.10
- Median
- 4.82
- Q1
- 2.60
- Min
- 0.93
TER’s P/S Ratio of 6.40 aligns with the market consensus for the Semiconductors & Semiconductor Equipment 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.
TER
5.08
Semiconductors & Semiconductor Equipment Industry
- Max
- 13.56
- Q3
- 6.75
- Median
- 3.68
- Q1
- 1.89
- Min
- 0.60
TER’s P/B Ratio of 5.08 is within the conventional range for the Semiconductors & Semiconductor Equipment industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | FICO | TER |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 50.18 | 38.58 |
| Price-to-Sales Ratio (TTM) | 16.46 | 6.40 |
| Price-to-Book Ratio (MRQ) | 115.88 | 5.08 |
| Price-to-Free Cash Flow Ratio (TTM) | 42.44 | 31.82 |