FICO Competition Analysis

Fair Isaac Corporation Peer Comparison

Metric	Value	Ranking
Market Cap	$45.7 Billion	6/20	SAP $234.0B	NOW $182.5B	CDNS $73.9B	ROP $59.1B	TTD $51.1B	FICO $45.7B	TEAM $43.1B	DDOG $37.0B	ANSS $27.9B	HUBS $25.3B	TYL $24.9B	PTC $20.5B	SSNC $18.1B	MANH $16.2B	BSY $14.8B	AZPN $14.2B	GWRE $14.0B	CDAY $10.9B	PCTY $8.6B	BLKB $4.2B
Gross Margin	80%	7/20	ANSS 87%	CDNS 86%	HUBS 85%	TEAM 81%	TTD 81%	DDOG 81%	FICO 80%	NOW 79%	BSY 79%	PTC 76%	SAP 72%	ROP 70%	PCTY 67%	GWRE 64%	BLKB 56%	MANH 54%	AZPN 50%	SSNC 48%	CDAY 42%	TYL 41%
Profit Margin	28%	1/20	FICO 28%	CDNS 22%	ANSS 22%	BSY 22%	MANH 20%	ROP 20%	TTD 15%	PCTY 14%	SSNC 13%	PTC 13%	AZPN 13%	TYL 13%	CDAY 11%	NOW 10%	BLKB 8%	DDOG 7%	GWRE 6%	HUBS -2%	SAP -10%	TEAM -17%
EBITDA margin	42%	2/20	AZPN 49%	FICO 42%	ROP 41%	SSNC 35%	ANSS 35%	CDNS 33%	BSY 29%	BLKB 27%	MANH 26%	PTC 25%	PCTY 24%	SAP 23%	TYL 21%	TTD 20%	CDAY 16%	NOW 13%	GWRE 6%	DDOG 4%	HUBS 0%	TEAM -6%
Quarterly Revenue	$447.8 Million	13/20	SAP $8.8B	NOW $2.6B	ROP $1.7B	SSNC $1.5B	TEAM $1.1B	CDNS $1.1B	DDOG $645.3M	HUBS $637.2M	ANSS $594.1M	TTD $584.6M	TYL $541.0M	PTC $518.6M	FICO $447.8M	CDAY $399.7M	PCTY $357.3M	AZPN $342.9M	BSY $330.3M	GWRE $291.5M	BLKB $287.2M	MANH $265.3M
Quarterly Earnings	$126.3 Million	6/20	ROP $337.1M	NOW $262.0M	CDNS $229.5M	SSNC $190.3M	ANSS $130.0M	FICO $126.3M	TTD $85.0M	BSY $72.0M	PTC $69.0M	TYL $67.7M	MANH $52.8M	PCTY $48.8M	CDAY $45.6M	AZPN $44.7M	DDOG $43.8M	BLKB $21.8M	GWRE $16.8M	HUBS -$14.4M	TEAM -$196.9M	SAP -$909.9M
Quarterly Free Cash Flow	$0 Million	20/20	SAP $2.8B	TEAM $413.2M	ROP $366.6M	SSNC $349.2M	NOW $349.0M	PTC $212.2M	GWRE $196.7M	AZPN $151.3M	DDOG $143.8M	CDNS $126.8M	CDAY $90.3M	HUBS $88.2M	MANH $71.0M	ANSS $67.4M	BSY $59.5M	PCTY $57.3M	TTD $56.7M	TYL $48.6M	BLKB $32.6M	FICO -$0
Trailing 4 Quarters Revenue	$1.7 Billion	13/20	SAP $35.0B	NOW $10.0B	ROP $6.6B	SSNC $5.7B	TEAM $4.4B	CDNS $4.2B	HUBS $2.4B	DDOG $2.4B	ANSS $2.3B	PTC $2.2B	TTD $2.2B	TYL $2.0B	FICO $1.7B	CDAY $1.5B	PCTY $1.4B	BSY $1.3B	BLKB $1.1B	AZPN $1.1B	MANH $996.6M	GWRE $980.5M
Trailing 4 Quarters Earnings	$478.5 Million	7/20	SAP $8.8B	NOW $2.6B	ROP $1.7B	SSNC $1.5B	TEAM $1.1B	CDNS $1.1B	DDOG $645.3M	HUBS $637.2M	ANSS $594.1M	TTD $584.6M	TYL $541.0M	PTC $518.6M	FICO $447.8M	CDAY $399.7M	PCTY $357.3M	AZPN $342.9M	BSY $330.3M	GWRE $291.5M	BLKB $287.2M	MANH $265.3M
Quarterly Earnings Growth	-2%	16/20	DDOG 1204%	CDAY 977%	BLKB 936%	TTD 158%	HUBS 88%	ANSS 87%	AZPN 64%	BSY 48%	SSNC 46%	TYL 38%	GWRE 37%	MANH 33%	PCTY 31%	PTC 12%	CDNS 4%	FICO -2%	ROP -8%	NOW -75%	TEAM -234%	SAP -303%
Annual Earnings Growth	10%	17/20	TTD 316%	DDOG 314%	SAP 263%	BLKB 199%	CDAY 180%	BSY 103%	GWRE 95%	HUBS 88%	TEAM 56%	TYL 47%	SSNC 37%	ANSS 33%	MANH 31%	ROP 20%	PTC 17%	CDNS 11%	FICO 10%	PCTY -2%	NOW -23%	AZPN -109%
Quarterly Revenue Growth	12%	10/20	DDOG 27%	TTD 26%	NOW 22%	TEAM 20%	HUBS 20%	ANSS 20%	CDAY 19%	PCTY 16%	MANH 15%	FICO 12%	ROP 12%	BSY 11%	CDNS 9%	GWRE 8%	SAP 8%	SSNC 7%	AZPN 7%	TYL 7%	BLKB 6%	PTC -4%
Annual Revenue Growth	7%	12/20	TTD 35%	DDOG 22%	NOW 18%	TEAM 18%	HUBS 18%	CDAY 18%	ANSS 15%	MANH 11%	ROP 11%	GWRE 10%	BLKB 8%	FICO 7%	PCTY 6%	TYL 6%	SSNC 4%	BSY 4%	CDNS 3%	PTC 2%	SAP -3%	AZPN -12%
Cash On Hand	$156.0 Million	18/20	SAP $10.2B	TEAM $2.2B	NOW $2.2B	SSNC $1.9B	ANSS $1.1B	CDNS $1.1B	TTD $1.0B	HUBS $797.9M	CDAY $570.3M	GWRE $548.0M	DDOG $411.0M	PCTY $401.8M	ROP $251.5M	TYL $250.7M	PTC $247.7M	AZPN $237.0M	MANH $202.7M	FICO $156.0M	BSY $51.3M	BLKB $30.4M
Short Term Debt	$15.0 Million	14/20	SAP $1.8B	DDOG $768.5M	PTC $541.4M	ROP $500.0M	HUBS $490.1M	GWRE $398.9M	CDNS $349.7M	NOW $98.0M	TTD $61.6M	TEAM $49.0M	SSNC $39.0M	BLKB $28.7M	ANSS $24.4M	FICO $15.0M	AZPN $13.1M	BSY $11.4M	TYL $11.2M	PCTY $7.6M	CDAY $7.6M	MANH $425,000
Long Term Debt	$2.1 Billion	4/20	SAP $8.7B	ROP $6.9B	SSNC $6.6B	FICO $2.1B	NOW $1.5B	BSY $1.3B	PTC $1.3B	CDAY $1.2B	CDNS $998.9M	BLKB $998.1M	ANSS $754.0M	TYL $597.1M	GWRE $433.6M	HUBS $273.1M	TEAM $214.5M	TTD $202.8M	DDOG $193.8M	AZPN $84.9M	MANH $50.8M	PCTY $46.8M
PE	95.40	7/20	DDOG 226.65	TTD 201.74	CDAY 198.06	NOW 159.29	TYL 119.74	BLKB 102.15	FICO 95.40	MANH 78.96	CDNS 70.03	PTC 69.52	ANSS 56.33	SAP 41.83	PCTY 41.81	ROP 40.61	BSY 39.38	SSNC 25.90	TEAM -1.00	GWRE -1.00	HUBS -1.00	AZPN -1.00
PS	27.61	1/20	FICO 27.61	TTD 23.50	NOW 18.34	CDNS 17.76	MANH 16.22	DDOG 15.44	GWRE 14.32	AZPN 12.63	TYL 12.27	ANSS 12.00	BSY 11.49	HUBS 10.57	TEAM 9.88	PTC 9.26	ROP 8.99	CDAY 7.17	PCTY 6.16	SAP 6.09	BLKB 3.72	SSNC 3.19
PB	0.00	20/20	MANH 67.18	TEAM 41.71	TTD 21.25	NOW 21.06	CDNS 17.34	HUBS 15.80	DDOG 15.35	BSY 15.00	GWRE 10.45	PCTY 8.37	TYL 7.95	BLKB 7.34	PTC 6.81	ANSS 4.99	SAP 4.91	CDAY 4.53	ROP 3.26	SSNC 2.79	AZPN 1.11	FICO 0.00
PC	292.58	1/20	FICO 292.58	BSY 287.97	ROP 234.99	BLKB 139.17	TYL 99.26	DDOG 89.94	NOW 84.24	PTC 82.89	MANH 79.75	CDNS 69.79	AZPN 60.10	TTD 50.64	HUBS 31.70	GWRE 25.61	ANSS 25.38	SAP 22.91	PCTY 21.51	TEAM 19.79	CDAY 19.03	SSNC 9.63
Liabilities to Equity	0.00	20/20	BLKB 4.27	TEAM 4.05	PCTY 3.11	CDAY 2.76	BSY 2.31	MANH 1.76	SSNC 1.62	TTD 1.15	NOW 1.10	HUBS 1.10	PTC 1.03	DDOG 0.83	CDNS 0.70	SAP 0.69	GWRE 0.66	ROP 0.65	TYL 0.54	ANSS 0.31	AZPN 0.10	FICO 0.00
ROA	0.28	2/20	MANH 31%	FICO 28%	CDNS 15%	BSY 12%	SAP 8%	ANSS 7%	NOW 6%	PTC 5%	TTD 5%	ROP 5%	PCTY 5%	SSNC 4%	TYL 4%	DDOG 4%	BLKB 1%	CDAY 1%	GWRE 0%	AZPN 0%	HUBS -1%	TEAM -6%
ROE	-0.58	20/20	MANH 85%	BSY 38%	CDNS 25%	PCTY 20%	NOW 13%	SAP 13%	SSNC 11%	TTD 11%	PTC 10%	ANSS 9%	ROP 8%	BLKB 7%	TYL 7%	DDOG 7%	CDAY 2%	GWRE 0%	AZPN 0%	HUBS -2%	TEAM -29%	FICO -58%
Current Ratio	0.67	20/20	AZPN 11.18	ANSS 4.22	TYL 2.86	ROP 2.55	GWRE 2.52	SAP 2.47	CDNS 2.44	DDOG 2.20	PTC 1.97	NOW 1.91	HUBS 1.91	TTD 1.87	SSNC 1.62	MANH 1.57	BSY 1.43	CDAY 1.36	PCTY 1.32	TEAM 1.25	BLKB 1.23	FICO 0.67
Quick Ratio	0.06	17/20	DDOG 226.65	TTD 201.74	CDAY 198.06	NOW 159.29	TYL 119.74	BLKB 102.15	FICO 95.40	MANH 78.96	CDNS 70.03	PTC 69.52	ANSS 56.33	SAP 41.83	PCTY 41.81	ROP 40.61	BSY 39.38	SSNC 25.90	TEAM -1.00	GWRE -1.00	HUBS -1.00	AZPN -1.00
Long Term Debt to Equity	-2.56	20/20	BLKB} 1.73	BSY} 1.36	SSNC} 1.02	CDAY} 0.52	PTC} 0.43	ROP} 0.38	GWRE} 0.32	CDNS} 0.23	TEAM} 0.21	MANH} 0.21	TYL} 0.19	SAP} 0.18	NOW} 0.17	HUBS} 0.17	ANSS} 0.13	TTD} 0.08	DDOG} 0.08	PCTY} 0.05	AZPN} 0.01	FICO} -2.56
Debt to Equity	-2.58	20/20	BLKB 1.84	BSY 1.40	SSNC 1.06	PTC 0.66	CDAY 0.52	HUBS 0.48	ROP 0.41	DDOG 0.40	CDNS 0.32	GWRE 0.32	NOW 0.26	TEAM 0.26	SAP 0.22	MANH 0.21	TYL 0.21	ANSS 0.16	TTD 0.11	PCTY 0.05	AZPN 0.01	FICO -2.58
Burn Rate	-4.15	13/20	CDAY 99.36	SSNC 22.78	TEAM 10.00	SAP 5.66	GWRE 5.46	HUBS 5.40	ROP 3.88	DDOG 2.63	PTC 2.10	BLKB 1.20	BSY -3.25	MANH -4.00	FICO -4.15	TYL -6.11	AZPN -6.23	PCTY -8.92	CDNS -10.37	ANSS -11.72	NOW -12.18	TTD -16.41
Cash to Cap	0.00	18/20	SSNC 0.10	TEAM 0.05	PCTY 0.05	CDAY 0.05	GWRE 0.04	SAP 0.04	ANSS 0.04	HUBS 0.03	TTD 0.02	AZPN 0.02	NOW 0.01	CDNS 0.01	MANH 0.01	PTC 0.01	BLKB 0.01	TYL 0.01	DDOG 0.01	FICO 0.00	ROP 0.00	BSY 0.00
CCR		20/20	GWRE 11.74	AZPN 3.39	DDOG 3.28	PTC 3.08	CDAY 1.98	SSNC 1.83	BLKB 1.50	MANH 1.35	NOW 1.33	PCTY 1.17	ROP 1.09	BSY 0.83	TYL 0.72	TTD 0.67	CDNS 0.55	ANSS 0.52	TEAM -2.10	SAP -3.10	HUBS -6.11	FICO
EV to EBITDA	250.39	5/20	DDOG} 1497.06	GWRE} 864.82	NOW} 518.84	TTD} 435.71	FICO} 250.39	MANH} 229.82	TYL} 220.74	CDNS} 215.12	CDAY} 180.68	PTC} 170.29	BSY} 167.44	SAP} 139.38	ANSS} 134.38	PCTY} 97.65	ROP} 95.26	AZPN} 84.36	BLKB} 68.74	SSNC} 45.76	TEAM} -614.94	HUBS} -38623.49
EV to Revenue	28.81	1/20	FICO 28.81	TTD 23.16	NOW 18.35	CDNS 17.83	MANH 16.07	DDOG 15.67	GWRE 14.20	BSY 12.52	AZPN 12.51	TYL 12.46	ANSS 11.90	HUBS 10.55	ROP 10.08	PTC 10.04	TEAM 9.45	CDAY 7.62	SAP 7.37	PCTY 5.92	BLKB 4.63	SSNC 4.06

Fair Isaac Corporation Peer Comparison

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