COMP <GO>
FICO vs V // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
Fair Isaac Corporation (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: FICO 6
— V 8
■ METRIC PARITY
LAST: $711.23 (+0.29%) • MKT CAP: $15.32B
options-implied-move
7.10%
LAST: $413.59 (+0.74%) • MKT CAP: $733.53B
options-implied-move
7.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FICO VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FICO | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 82.20% | 41.00% | +41.20 | FICO | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 59.60% | 32.30% | +27.30 | FICO | /roic <GO> |
| EV/EBITDA & P/E Valuation | 19.3x | 28.9x | -9.60 | FICO | /valuation <GO> |
| Free Cash Flow Yield | 5.03% | 2.90% | +2.13 | FICO | /fcf-yield <GO> |
| Operating Margin | 46.50% | 60.00% | -13.50 | V | /operating-margins <GO> |
| Net Profit Margin | 32.70% | 50.10% | -17.40 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 15.90% | 11.30% | +4.60 | FICO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 8.75 | 9.09 | -0.34 | V | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | 7.10% | 7.10% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.7 | 69.4 | -28.75 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.05 | 1.06 | -0.01 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.7x | 34.0x | -14.30 | FICO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $15.32B | $733.53B | -$718.22B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FICO REV | V REV | FICO GROSS % | V GROSS % | FICO FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.99B | $40.00B | 82.2% | 44.0% | $769.9M | $21.26B |
| FY 2024 | $1.72B | $35.93B | 79.7% | 44.0% | $624.1M | $18.33B |
| FY 2023 | $1.51B | $32.65B | 44.0% | 44.0% | $400.8M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FICO // BETA 1.05
V // BETA 1.06