COMP <GO>
FICO vs MA // OPERATING MARGIN
Fair Isaac Corporation (NYSE) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: FICO 5
— MA 7
▲ OPERATING MARGIN LEADER: MA
LAST: $709.18 (+1.58%) • MKT CAP: $15.32B
operating-margins
46.50%
LAST: $635.70 (+4.16%) • MKT CAP: $556.88B
operating-margins
57.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FICO VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FICO | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 82.20% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 59.60% | 33.50% | +26.10 | FICO | /roic <GO> |
| EV/EBITDA & P/E Valuation | 19.3x | 29.2x | -9.90 | FICO | /valuation <GO> |
| Free Cash Flow Yield | 5.03% | 3.08% | +1.95 | FICO | /fcf-yield <GO> |
| Operating Margin ACTIVE | 46.50% | 57.60% | -11.10 | MA | /operating-margins <GO> |
| Net Profit Margin | 32.70% | 45.60% | -12.90 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 15.90% | 16.40% | -0.50 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 8.75 | 11.17 | -2.42 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.4 | 68.8 | -28.40 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.05 | 0.90 | +0.15 | FICO | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.7x | 31.2x | -11.50 | FICO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $15.32B | $556.88B | -$541.56B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FICO REV | MA REV | FICO GROSS % | MA GROSS % | FICO FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.99B | $32.79B | 82.2% | — | $769.9M | $17.16B |
| FY 2024 | $1.72B | $28.17B | 79.7% | — | $624.1M | $14.31B |
| FY 2023 | $1.51B | $25.10B | — | — | $400.8M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FICO // BETA 1.05
MA // BETA 0.90