FICO vs. U: Fair Isaac vs. Unity Software Stock Comparison

Company Profile

Fair Isaac (FICO) and Unity Software (U) 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) has more than two decades of public-market history since July 22, 1987, whereas Unity Software (U) listed on September 18, 2020 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Unity Software (U) is heavily traded at around 10.92M shares per day, whereas Fair Isaac (FICO) sees a more moderate 759.34K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Fair Isaac (FICO) has no ROE value reported for this period; Unity Software (U) reports a negative figure of -9.66%, which needs context because negative ROE can reflect losses or negative shareholders’ equity.

Unity Software (U) reports a negative net margin of -15.60%, usually indicating a net loss over the period. Meanwhile Fair Isaac (FICO) reports 32.94%, ranking against industry peers normally.

Fair Isaac (FICO) at 44.72% operates in the top operating margin quartile, ahead of Unity Software (U) at 16.95%, which runs around its industry’s norm.

Profitability Metrics

Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Unity Software (U) at 2.01% is in the bottom quartile, showing a clear gap in revenue momentum.

Only one side can be read here: Fair Isaac (FICO) reports EPS growth of 36.85%, ranked against its industry; Unity Software (U) has no EPS growth figure this period.

Growth Metrics

Financial Strength

Unity Software (U) at 2.17 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.

Only one side’s leverage can be read here: Unity Software (U) carries debt-to-equity ratio of 0.66 against its industry range, while Fair Isaac (FICO) reports no figure this period.

Financial Strength Metrics

Dividends

Neither Fair Isaac (FICO) nor Unity Software (U) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither Fair Isaac (FICO) nor Unity Software (U) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

An earnings multiple is available for just one side: Fair Isaac (FICO) trades at 19.40 times trailing earnings, ranked against its peers, while Unity Software (U) has no P/E ratio this period.

Fair Isaac (FICO) at 6.00 is priced about in line with its industry on P/S ratio, while Unity Software (U) at 10.48 sits in the pricier quartile — U costs more per dollar of sales.

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 Unity Software (U) reports 7.03, ranking against industry peers normally.

Valuation Metrics