FICO vs. TWLO: Fair Isaac vs. Twilio Stock Comparison
How do Fair Isaac (FICO) and Twilio (TWLO) 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 Twilio (TWLO) both fall under the Software & Services industry group, but FICO is classified in Software while TWLO is classified in IT Services.
| Profile Item | FICO | TWLO |
|---|---|---|
| Name | Fair Isaac Corp. | Twilio Inc. Class A Common Stock |
| Country/Region | United States | United States |
| 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 | 31.26 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 22, 1987 | June 23, 2016 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FICO | TWLO |
|---|---|---|
| Total Return (1Y) | -58.54% | 61.15% |
| Total Return (3Y, Annualized) | -9.17% | 54.31% |
| Total Return (5Y, Annualized) | 12.31% | -7.91% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FICO | TWLO |
|---|---|---|
| Volatility (1Y, Annualized) | 63.29% | 63.75% |
| Beta (5Y) | 1.33 | 1.48 |
| Max Drawdown (5Y) | -75.13% | -86.25% |
| Avg. Volume (3M) | 759.34K | 3.05M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FICO | TWLO |
|---|---|---|
| Sharpe Ratio (1Y) | -0.99 | 0.89 |
| Sortino Ratio (1Y) | -1.20 | 1.49 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Twilio (TWLO) earns 14.92% 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
- --
TWLO
Software & Services industry group
14.92%
- Max
- 53.85%
- Q3
- 17.90%
- TWLO
- 14.92%
- 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 Twilio (TWLO) at 21.82% 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%
TWLO
Software & Services industry group
21.82%
- Max
- 41.17%
- TWLO
- 21.82%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Fair Isaac (FICO) at 44.72% operates in the top operating margin quartile, ahead of Twilio (TWLO) at 9.53%, which runs around its industry’s norm.
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%
TWLO
Software & Services industry group
9.53%
- Max
- 46.89%
- Q3
- 17.64%
- TWLO
- 9.53%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | FICO | TWLO |
|---|---|---|
| ROE (TTM) | -- | 14.92% |
| ROA (TTM) | 40.99% | 2.69% |
| Net Margin (TTM) | 32.94% | 21.82% |
| Operating Margin (TTM) | 44.72% | 9.53% |
| Gross Margin (TTM) | 86.13% | 48.61% |
Growth
Revenue Growth
Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Twilio (TWLO) at 13.66% is closer to the peer norm — faster top-line expansion for FICO.
EPS Growth
Only one side can be read here: Fair Isaac (FICO) reports EPS growth of 36.85%, ranked against its industry; Twilio (TWLO) has no EPS growth figure this period.
Growth Metrics
| Metric | FICO | TWLO |
|---|---|---|
| Revenue Growth (YoY) | 27.33% | 13.66% |
| Revenue Growth (3Y CAGR) | 18.76% | 9.82% |
| EPS Growth (YoY) | 36.85% | -- |
| EPS Growth (3Y CAGR) | 28.97% | -- |
Financial Strength
Current Ratio (MRQ)
Twilio (TWLO) at 4.47 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
TWLO
Software & Services industry group
4.47
- Max
- 5.11
- TWLO
- 4.47
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Only one side’s leverage can be read here: Twilio (TWLO) carries debt-to-equity ratio of 0.12 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
- --
TWLO
Software & Services industry group
0.12
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- TWLO
- 0.12
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | FICO | TWLO |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 4.47 |
| Debt / Equity (MRQ) | -- | 0.12 |
| Net Debt / EBITDA | 3.86 | -3.13 |
Dividends
Dividend Yield (TTM)
Neither Fair Isaac (FICO) nor Twilio (TWLO) 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%
TWLO
Software & Services industry group
0.00%
- TWLO
- 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 Twilio (TWLO) 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%
TWLO
Software & Services industry group
0.00%
- TWLO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | FICO | TWLO |
|---|---|---|
| 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 Twilio (TWLO) at 25.38 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
TWLO
Software & Services industry group
25.38
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- TWLO
- 25.38
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
On P/S ratio, both Fair Isaac (FICO) at 6.00 and Twilio (TWLO) at 5.36 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
TWLO
Software & Services industry group
5.36
- Max
- 17.91
- Q3
- 8.78
- TWLO
- 5.36
- 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 Twilio (TWLO) reports 3.41, 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
TWLO
Software & Services industry group
3.41
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- TWLO
- 3.41
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | FICO | TWLO |
|---|---|---|
| P/E Ratio (TTM) | 19.40 | 25.38 |
| P/S Ratio (TTM) | 6.00 | 5.36 |
| P/B Ratio (MRQ) | -3.90 | 3.41 |
| Free Cash Flow Yield (TTM) | 6.54% | 3.45% |