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FICO vs. WIT: Fair Isaac vs. Wipro Stock Comparison

How do Fair Isaac (FICO) and Wipro (WIT) 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 Wipro (WIT) both fall under the Software & Services industry group, but FICO is classified in Software while WIT is classified in IT Services.

Fair Isaac (FICO) trades as ordinary local shares, while Wipro (WIT) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Fair Isaac (FICO) and Wipro (WIT)
Profile ItemFICOWIT
NameFair Isaac Corp.Wipro Ltd. ADR
Country/RegionUnited StatesIndia
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareIT Services
GICS Sub-IndustryApplication SoftwareIT Consulting & Other Services
Market Capitalization15.22 billion USD21.37 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJuly 22, 1987October 19, 2000
Security TypeCommon StockADR

Price Performance

Cumulative Growth

FICO
WIT
GSPC
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Fair Isaac (FICO) vs. Wipro (WIT), 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 Wipro (WIT). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
Total Return (1Y)-58.54%-16.56%
Total Return (3Y, Annualized)-9.17%0.08%
Total Return (5Y, Annualized)12.31%-12.80%

Risk Profile

Drawdown History

FICO
WIT
GSPC
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Fair Isaac (FICO) vs. Wipro (WIT), 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 Wipro (WIT). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
Volatility (1Y, Annualized)63.29%47.10%
Beta (5Y)1.330.91
Max Drawdown (5Y)-75.13%-64.83%
Avg. Volume (3M)759.34K9.36M

Risk-Adjusted Performance

Risk-Return Positioning

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FICO and WIT 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 Wipro (WIT)
MetricFICOWIT
Sharpe Ratio (1Y)-0.99-0.44
Sortino Ratio (1Y)-1.20-0.65

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Wipro (WIT) earns 15.94% 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
--

WIT

Software & Services industry group

15.94%

Max
53.85%
Q3
17.90%
WIT
15.94%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Fair Isaac (FICO) vs. Wipro (WIT): FICO does not report ROE, so it has no value marker; WIT 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 Wipro (WIT) at 13.58%, 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%

WIT

Software & Services industry group

13.58%

Max
41.17%
Q3
15.28%
WIT
13.58%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Fair Isaac (FICO) vs. Wipro (WIT): 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 Wipro (WIT) at 16.16%, 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%

WIT

Software & Services industry group

16.16%

Max
46.89%
Q3
17.64%
WIT
16.16%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Fair Isaac (FICO) vs. Wipro (WIT): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
ROE (TTM)--15.94%
ROA (TTM)40.99%7.26%
Net Margin (TTM)32.94%13.58%
Operating Margin (TTM)44.72%16.16%
Gross Margin (TTM)86.13%28.87%

Growth

Revenue Growth

Fair Isaac (FICO) at 27.33% sits in the top revenue growth quartile, while Wipro (WIT) at 3.97% is in the bottom quartile, showing a clear gap in revenue momentum.

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

EPS Growth

Both Fair Isaac (FICO) at 36.85% and Wipro (WIT) at 0.32% 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. Wipro (WIT): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
Revenue Growth (YoY)27.33%3.97%
Revenue Growth (3Y CAGR)18.76%0.78%
EPS Growth (YoY)36.85%0.32%
EPS Growth (3Y CAGR)28.97%6.70%

Financial Strength

Current Ratio (MRQ)

Wipro (WIT) at 1.70 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.

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

WIT

Software & Services industry group

1.70

Max
5.11
Q3
2.77
WIT
1.70
Median
1.67
Q1
1.01
Min
0.03
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Fair Isaac (FICO) vs. Wipro (WIT): 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: Wipro (WIT) carries debt-to-equity ratio of 0.28 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
--

WIT

Software & Services industry group

0.28

Max
2.52
Q3
1.13
Median
0.40
WIT
0.28
Q1
0.07
Min
0.00
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Fair Isaac (FICO) vs. Wipro (WIT): FICO does not report debt-to-equity ratio, so it has no value marker; WIT is benchmarked against the Software & Services industry group.

Financial Strength Metrics

Financial strength metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
Current Ratio (MRQ)0.991.70
Debt / Equity (MRQ)--0.28
Net Debt / EBITDA3.86-1.20

Dividends

Dividend Yield (TTM)

Fair Isaac (FICO) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Wipro (WIT) reports a yield of 370.37%, ranking against industry peers normally.

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%

WIT

Software & Services industry group

370.37%

WIT
370.37%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Wipro (WIT): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Fair Isaac (FICO) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Wipro (WIT) reports a payout of 60.56%, ranking against industry peers normally.

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%

WIT

Software & Services industry group

60.56%

WIT
60.56%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Fair Isaac (FICO) vs. Wipro (WIT): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
Dividend Yield (TTM)0.00%370.37%
Dividend Payout Ratio (TTM)0.00%60.56%

Valuation

P/E Ratio (TTM)

Wipro (WIT) at 15.43 sits in the cheaper P/E ratio quartile, while Fair Isaac (FICO) at 19.40 is closer to its industry’s usual earnings multiple — a discount for WIT, though growth and earnings durability still matter.

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

WIT

Software & Services industry group

15.43

Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
WIT
15.43
Min
6.69
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Fair Isaac (FICO) vs. Wipro (WIT): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

Wipro (WIT) at 0.02 sits in the cheaper P/S ratio quartile while Fair Isaac (FICO) at 6.00 prices around its industry’s middle — WIT costs less per dollar of sales, though read it alongside growth and margins.

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

WIT

Software & Services industry group

0.02

Max
17.91
Q3
8.78
Median
4.25
Q1
2.23
WIT
0.02
Min
0.02
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Fair Isaac (FICO) vs. Wipro (WIT): 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 Wipro (WIT) reports 2.54, 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

WIT

Software & Services industry group

2.54

Max
16.63
Q3
8.50
Median
4.30
WIT
2.54
Q1
1.92
Min
-3.90
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Fair Isaac (FICO) vs. Wipro (WIT): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Fair Isaac (FICO) and Wipro (WIT)
MetricFICOWIT
P/E Ratio (TTM)19.4015.43
P/S Ratio (TTM)6.000.02
P/B Ratio (MRQ)-3.902.54
Free Cash Flow Yield (TTM)6.54%490.89%