FICO vs DT vs U
161 measures in 16 categories, one definition each, computed from filings and market data.
FICO80.1
Fair Isaac Corporation
Technology · Software - Application
$771.19 +0.16%$16.7B mkt cap
Score DNA
Price, rebased to 100 three years ago
FICO DT U · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 0 | 0 | 0 |
| Last Congress purchase | — | — | — |
| 13F net change in holders | −8 | +16 | +34 |
| ETFs adding shares, 30d | 863 | 390 | 309 |
| ETFs trimming, 30d | 850 | 382 | 213 |
| Net ETF funds, 30d | +13 | +8 | +96 |
Valuation
16 measures| Measure | FICO | DT | U |
|---|---|---|---|
| P/E (TTM) | 20.4x
32nd
|
117.2x
94th
|
— |
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.69
24th
|
— | — |
| Price / sales | 7.0x
75th
|
8.5x
81st
|
8.8x
82nd
|
| Price / book | — | 7.2x
71st
|
5.9x
60th
|
| Price / tangible book | — | 13.3x
74th
|
— |
| Price / free cash flow | 16.7x
50th
|
31.2x
74th
|
33.0x
77th
|
| Price / operating cash flow | 16.6x
53rd
|
29.8x
75th
|
32.1x
79th
|
| Enterprise value | $22.0B
82nd
|
$16.8B
80th
|
$17.7B
81st
|
| EV / sales | 9.2x
85th
|
8.0x
81st
|
8.7x
83rd
|
| EV / EBITDA | 17.4x
43rd
|
54.9x
80th
|
— |
| EV / EBIT | 17.6x
32nd
|
59.8x
73rd
|
— |
| EV / free cash flow | 22.1x
61st
|
29.5x
75th
|
33.0x
79th
|
| Earnings yield | 4.9%
81st
|
0.9%
43rd
|
-3.3%
23rd
|
| FCF yield | 6.0%
58th
|
3.2%
38th
|
3.0%
35th
|
| Operating cash flow yield | 6.0%
54th
|
3.4%
35th
|
3.1%
32nd
|
| Graham number (per share) | — | $9.84
30th
|
— |
Profitability (TTM)
12 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Gross margin | 85.1%
92nd
|
81.4%
84th
|
64.9%
36th
|
| EBITDA margin | 53.0%
92nd
|
14.6%
54th
|
-4.1%
15th
|
| Operating margin | 51.7%
96th
|
13.0%
66th
|
-29.9%
11th
|
| EBIT margin | 52.3%
95th
|
13.4%
65th
|
-27.8%
9th
|
| Net margin | 34.1%
92nd
|
7.2%
55th
|
-28.9%
11th
|
| NOPAT margin | 39.5%
96th
|
6.6%
52nd
|
-23.7%
13th
|
| FCF margin | 41.6%
93rd
|
27.1%
71st
|
26.5%
69th
|
| Operating cash flow margin | 41.8%
92nd
|
28.4%
70th
|
27.3%
65th
|
| R&D / revenue | 8.7%
19th
|
24.0%
73rd
|
50.6%
97th
|
| SG&A / revenue | 24.3%
17th
|
44.4%
60th
|
40.9%
54th
|
| Stock comp / revenue | 7.3%
44th
|
10.9%
64th
|
13.1%
74th
|
| Effective tax rate | 23.5%
77th
|
49.4%
97th
|
21.0%
28th
|
Returns on capital
11 measures| Measure | FICO | DT | U |
|---|---|---|---|
| ROE (on average equity) | — | 5.9%
49th
|
-18.9%
18th
|
| ROA | 41.8%
97th
|
3.7%
54th
|
-8.8%
18th
|
| ROIC | 75.5%
90th
|
9.2%
55th
|
-16.0%
22nd
|
| ROCE | 96.8%
99th
|
10.5%
63rd
|
-11.1%
15th
|
| Return on tangible assets | 64.2%
99th
|
6.8%
60th
|
-8.4%
14th
|
| Cash ROIC (OCF / invested capital) | 80.0%
78th
|
39.7%
57th
|
18.4%
32nd
|
| Gross profitability (GP / assets) | 100.0%
97th
|
41.5%
56th
|
18.8%
22nd
|
| ROIC, 3-yr average | 381.2%
99th
|
9.9%
62nd
|
-30.6%
16th
|
| ROIC, 5-yr average | — | 14.1%
76th
|
-256.4%
5th
|
| ROE, 5-yr average | — | 8.7%
67th
|
-23.1%
20th
|
| Incremental ROIC | 473.1%
96th
|
63.2%
69th
|
78.9%
73rd
|
Growth
17 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Revenue growth (TTM YoY) | 24.1%
73rd
|
17.9%
57th
|
14.0%
46th
|
| Revenue growth (QoQ) | -2.5%
10th
|
4.3%
44th
|
7.5%
71st
|
| Revenue CAGR, 3 yr | 17.6%
67th
|
19.6%
75th
|
3.9%
14th
|
| Revenue CAGR, 5 yr | 12.0%
27th
|
22.6%
65th
|
16.9%
52nd
|
| Gross profit CAGR, 3 yr | 20.6%
69th
|
19.8%
66th
|
0.4%
5th
|
| Operating income CAGR, 3 yr | 26.5%
61st
|
36.2%
73rd
|
— |
| Net income growth (TTM YoY) | 28.8%
52nd
|
-69.3%
3rd
|
— |
| Net income CAGR, 3 yr | 24.9%
68th
|
1.7%
8th
|
— |
| EPS growth (TTM YoY) | 39.5%
53rd
|
-68.2%
3rd
|
— |
| EPS CAGR, 3 yr | 29.5%
74th
|
2.0%
5th
|
— |
| EPS CAGR, 5 yr | 23.5%
68th
|
14.4%
47th
|
— |
| FCF growth (TTM YoY) | 33.2%
58th
|
21.3%
40th
|
57.2%
71st
|
| FCF CAGR, 3 yr | 30.7%
49th
|
21.0%
34th
|
— |
| Operating cash flow CAGR, 3 yr | 30.6%
55th
|
19.9%
35th
|
— |
| Book value CAGR, 3 yr | — | 13.2%
64th
|
-8.6%
15th
|
| Dividend CAGR, 3 yr | — | — | — |
| Sustainable growth rate | — | 5.9%
17th
|
— |
Margin history & stability
7 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Gross margin, 3-yr average | 82.1%
84th
|
81.4%
78th
|
67.9%
43rd
|
| Operating margin, 3-yr average | 46.7%
98th
|
11.1%
66th
|
-33.7%
6th
|
| Net margin, 3-yr average | 31.9%
96th
|
15.1%
72nd
|
-30.6%
7th
|
| FCF margin, 3-yr average | 37.9%
91st
|
27.8%
79th
|
19.0%
46th
|
| Revenue stability (0-1) | 0.85
20th
|
1.00
85th
|
0.70
11th
|
| Earnings stability (0-1) | 0.87
83rd
|
0.33
28th
|
0.01
3rd
|
| Margin stability (0-1) | 0.95
40th
|
1.00
100th
|
0.91
19th
|
Liquidity (latest quarter)
7 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Cash & short-term investments | $248.4M
35th
|
$1.1B
73rd
|
$2.4B
88th
|
| Net cash (− = net debt) | −$5.3B
6th
|
$949.6M
90th
|
$31.1M
44th
|
| Working capital | $136.4M
40th
|
$296.4M
54th
|
$1.6B
86th
|
| Current ratio | 1.18
33rd
|
1.21
35th
|
2.03
56th
|
| Quick ratio | 1.18
34th
|
1.21
36th
|
2.03
58th
|
| Cash ratio (cash + ST investments / current liabilities) | 0.33
19th
|
0.78
42nd
|
1.50
60th
|
| Defensive interval (days) | 383 days
53rd
|
379 days
52nd
|
598 days
76th
|
Leverage & solvency (latest quarter)
13 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Total debt | $5.6B
90th
|
$159.3M
43rd
|
$2.3B
83rd
|
| Debt / equity | — | 0.06
26th
|
0.76
74th
|
| Net debt / equity | — | −0.39
40th
|
−0.01
60th
|
| Debt / assets | 274.8%
100th
|
3.9%
24th
|
34.8%
79th
|
| Debt / capital | — | 6.1%
26th
|
43.3%
74th
|
| Debt / EBITDA | 4.42
76th
|
0.52
24th
|
— |
| Net debt / EBITDA | 4.22
93rd
|
−3.11
26th
|
— |
| Interest coverage (EBIT / interest) | 6.7x
57th
|
— | −23.4x
11th
|
| Cash interest coverage | 5.4x
31st
|
— | 22.9x
64th
|
| Debt payback (years of OCF) | 5.6 yrs
92nd
|
0.3 yrs
25th
|
4.2 yrs
86th
|
| Liabilities / assets | 301.1%
100th
|
40.4%
35th
|
50.4%
51st
|
| IS credit model rating | B- | AA+ | BB |
| Implied credit spread (bps) | 900
94th
|
65
5th
|
475
78th
|
Efficiency
11 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Asset turnover | 1.23
92nd
|
0.51
41st
|
0.30
16th
|
| Fixed asset turnover | 20.98
75th
|
10.17
40th
|
40.72
90th
|
| Inventory turnover | — | — | — |
| Receivables turnover | 4.6
25th
|
6.2
45th
|
3.2
13th
|
| Days sales outstanding | 80 days
76th
|
59 days
56th
|
116 days
88th
|
| Days inventory outstanding | — | — | — |
| Days payables outstanding | 29 days
48th
|
7 days
10th
|
5 days
6th
|
| Cash conversion cycle (days) | 51 days
80th
|
51 days
80th
|
110 days
96th
|
| Capex / revenue | 0.2%
8th
|
1.3%
50th
|
0.8%
32nd
|
| Capex / depreciation | 0.34
42nd
|
1.10
85th
|
0.03
3rd
|
| Operating expense ratio | 33.3%
10th
|
68.5%
60th
|
85.5%
88th
|
Cash flow & earnings quality
7 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Operating cash flow / net income | 1.23
20th
|
3.94
78th
|
— |
| FCF / net income | 1.22
29th
|
3.75
80th
|
— |
| FCF / operating cash flow | 99.4%
96th
|
95.3%
54th
|
97.2%
69th
|
| Capex / operating cash flow | 0.6%
3rd
|
4.7%
46th
|
2.8%
31st
|
| Accruals ratio | -9.6%
56th
|
-10.9%
50th
|
-17.1%
27th
|
| Sloan accruals ratio | 9.3%
85th
|
-8.5%
35th
|
-5.9%
46th
|
| Earnings quality score (0-1) | 0.75
11th
|
0.75
11th
|
— |
Scores & forensic checks
15 measures| Measure | FICO | DT | U |
|---|---|---|---|
| IS score | 80
93rd
|
61
57th
|
32
10th
|
| IS profitability | 80
88th
|
41
54th
|
20
13th
|
| IS growth | 87
87th
|
35
10th
|
44
18th
|
| IS value | 32
29th
|
26
12th
|
36
43rd
|
| IS momentum | 99
92nd
|
66
26th
|
43
5th
|
| IS risk (safety) | 100
61st
|
100
61st
|
30
26th
|
| IS quality | 79
76th
|
73
62nd
|
43
13th
|
| IS balance sheet | 36
18th
|
87
79th
|
24
11th
|
| IS earnings quality | 56
54th
|
60
65th
|
23
11th
|
| IS cash flow | 84
76th
|
91
87th
|
70
39th
|
| Piotroski F-score (0-9) | 8
85th
|
5
24th
|
5
24th
|
| Altman Z-score | 9.5
87th
|
5.7
71st
|
1.6
32nd
|
| Beneish M-score | −2.68
60th
|
−2.70
54th
|
−3.18
21st
|
| Ohlson O-score | 5.05
100th
|
−8.40
39th
|
−7.53
54th
|
| IS credit score | 20
2nd
|
92
85th
|
41
18th
|
Size (TTM)
8 measures| Measure | FICO | DT | U |
|---|---|---|---|
| Market cap | $16.7B
80th
|
$17.7B
81st
|
$17.8B
82nd
|
| Revenue | $2.4B
75th
|
$2.1B
72nd
|
$2.0B
71st
|
| EBITDA | $1.3B
88th
|
$305.8M
68th
|
−$84.2M
13th
|
| Net income | $815.0M
87th
|
$151.4M
69th
|
−$586.9M
7th
|
| Free cash flow | $996.0M
83rd
|
$568.1M
78th
|
$538.4M
76th
|
| Total assets | $2.0B
57th
|
$4.1B
71st
|
$6.7B
79th
|
| Shareholders' equity | −$4.1B
0th
|
$2.5B
76th
|
$3.0B
79th
|
| Employees | 3,876
68th
|
5,600
76th
|
4,412
73rd
|
Price performance
9 measures| Measure | FICO | DT | U |
|---|---|---|---|
| 1 day | +0.2% | −4.1% | −6.8% |
| 1 week | +15.5% | −3.8% | −13.8% |
| 1 month | −20.2% | +9.4% | −3.5% |
| 3 months | −39.0% | +36.6% | +35.5% |
| 6 months | −28.2% | +71.6% | +55.8% |
| Year to date | −53.1% | +44.2% | −8.7% |
| 1 year | −52.9% | +27.9% | +8.0% |
| 3 years, cumulative | −14.8% | +26.8% | +33.4% |
| 5 years, cumulative | +92.3% | −14.2% | −70.3% |
Technicals
4 measures| Measure | FICO | DT | U |
|---|---|---|---|
| RSI 14 | 45.8 | 57.6 | 41.7 |
| From 52-week high | −58.5% | −7.9% | −22.6% |
| From 52-week low | +31.6% | +93.1% | +140.7% |
| Beta | 1.34 | 0.77 | 2.11 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17