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FICO vs. WDAY: Fair Isaac vs. Workday Stock Comparison

How do Fair Isaac (FICO) and Workday (WDAY) 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 Workday (WDAY) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.

Company profile comparison for Fair Isaac (FICO) and Workday (WDAY)
Profile ItemFICOWDAY
NameFair Isaac Corp.Workday Inc Class A Common Stock
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareApplication Software
Market Capitalization15.22 billion USD46.49 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateJuly 22, 1987October 12, 2012
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FICO
WDAY
GSPC
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Fair Isaac (FICO) vs. Workday (WDAY), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Fair Isaac (FICO) and Workday (WDAY). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Fair Isaac (FICO) and Workday (WDAY). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
Total Return (1Y)-58.54%-14.74%
Total Return (3Y, Annualized)-9.17%-5.22%
Total Return (5Y, Annualized)12.31%-8.14%

Risk Profile

Drawdown History

FICO
WDAY
GSPC
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Fair Isaac (FICO) vs. Workday (WDAY), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Fair Isaac (FICO) and Workday (WDAY). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
Volatility (1Y, Annualized)63.29%54.35%
Beta (5Y)1.331.01
Max Drawdown (5Y)-75.13%-63.38%
Avg. Volume (3M)759.34K3.14M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and WDAY are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
Sharpe Ratio (1Y)-0.99-0.35
Sortino Ratio (1Y)-1.20-0.54

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Workday (WDAY) earns 16.01% 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
--

WDAY

Software & Services industry group

16.01%

Max
53.85%
Q3
17.90%
WDAY
16.01%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. Workday (WDAY): FICO does not report ROE, so it has no value marker; WDAY is benchmarked against the Software & Services industry group.

Net Margin (TTM)

Fair Isaac (FICO) at 32.94% retains a top-quartile share of revenue as profit, ahead of Workday (WDAY) at 12.32%, 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%

WDAY

Software & Services industry group

12.32%

Max
41.17%
Q3
15.28%
WDAY
12.32%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Fair Isaac (FICO) at 44.72% operates in the top operating margin quartile, ahead of Workday (WDAY) at 11.82%, 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%

WDAY

Software & Services industry group

11.82%

Max
46.89%
Q3
17.64%
WDAY
11.82%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
ROE (TTM)--16.01%
ROA (TTM)40.99%4.51%
Net Margin (TTM)32.94%12.32%
Operating Margin (TTM)44.72%11.82%
Gross Margin (TTM)86.13%75.80%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Workday (WDAY) at 13.10% is closer to the peer norm — faster top-line expansion for FICO.

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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Fair Isaac (FICO) at 36.85% and Workday (WDAY) at 32.82% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
Revenue Growth (YoY)27.33%13.10%
Revenue Growth (3Y CAGR)18.76%15.40%
EPS Growth (YoY)36.85%32.82%
EPS Growth (3Y CAGR)28.97%--

Financial Strength

Current Ratio (MRQ)

Both Fair Isaac (FICO) at 0.99 and Workday (WDAY) at 0.91 run current ratio in the tighter-liquidity quartile of industry peers, leaving thinner cushions against current liabilities than typical competitors.

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

WDAY

Software & Services industry group

0.91

Max
5.11
Q3
2.77
Median
1.67
Q1
1.01
WDAY
0.91
Min
0.03
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Only one side’s leverage can be read here: Workday (WDAY) carries debt-to-equity ratio of 0.58 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
--

WDAY

Software & Services industry group

0.58

Max
2.52
Q3
1.13
WDAY
0.58
Median
0.40
Q1
0.07
Min
0.00
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Fair Isaac (FICO) vs. Workday (WDAY): FICO does not report debt-to-equity ratio, so it has no value marker; WDAY is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
Current Ratio (MRQ)0.990.91
Debt / Equity (MRQ)--0.58
Net Debt / EBITDA3.860.23

Dividends

Dividend Yield (TTM)

Neither Fair Isaac (FICO) nor Workday (WDAY) 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%

WDAY

Software & Services industry group

0.00%

WDAY
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Fair Isaac (FICO) nor Workday (WDAY) 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%

WDAY

Software & Services industry group

0.00%

WDAY
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
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 Workday (WDAY) at 39.29 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

WDAY

Software & Services industry group

39.29

Max
112.94
Q3
60.32
WDAY
39.29
Median
32.91
Q1
18.77
Min
6.69
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Fair Isaac (FICO) at 6.00 and Workday (WDAY) at 4.58 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

WDAY

Software & Services industry group

4.58

Max
17.91
Q3
8.78
WDAY
4.58
Median
4.25
Q1
2.23
Min
0.02
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their P/S ratio against the Software & Services industry group benchmark.

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 Workday (WDAY) reports 7.20, 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

WDAY

Software & Services industry group

7.20

Max
16.63
Q3
8.50
WDAY
7.20
Median
4.30
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. Workday (WDAY): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and Workday (WDAY)
MetricFICOWDAY
P/E Ratio (TTM)19.4039.29
P/S Ratio (TTM)6.004.58
P/B Ratio (MRQ)-3.907.20
Free Cash Flow Yield (TTM)6.54%6.55%