FICO vs IBM
FICO: FICO is the market-leading decision management and analytics software provider whose credit scoring algorithms, fraud detection, and lending decisioning tools power financial institutions' risk management and underwriting processes globally. IBM: IBM delivers hybrid cloud platforms and AI-powered consulting services to help enterprises modernize infrastructure and accelerate digital transformation at scale.
Side-by-side fundamentals
| Metric | FICO | IBM | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $1,221.47 | $205.77 | |
| Market cap as of 2026-07-23 | $28.3B | $197.4B | |
| P/E as of 2026-07-23 | 37.31 | 18.36 | IBM lower |
| PEG as of 2026-07-23 | 1.08 | 3.03 | FICO lower |
| Net margin as of 2026-07-23 | +33.7% | +15.6% | FICO higher |
| Gross margin as of 2026-07-23 | +84.2% | +58.4% | FICO higher |
| Operating margin as of 2026-07-23 | +50.4% | +15.3% | FICO higher |
| ROE as of 2026-07-23 | +145.7% | +35.5% | FICO higher |
| ROA as of 2026-07-23 | +39.8% | +7.1% | FICO higher |
| Debt / equity as of 2026-07-23 | 8.46 | 2.01 | IBM lower |
| Revenue growth (YoY) as of 2026-07-23 | +22.6% | +9.7% | FICO higher |
| Revenue CAGR (3y) SEC XBRL | +13.1% | +3.7% | FICO higher |
| Dividend yield as of 2026-07-23 | n/a | +3.3% | |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 1.33 | 0.70 | |
| 1-year return as of 2026-07-22 close | -19.8% | -27.0% | FICO higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.