Stock comparison
Fair Isaac
FICO$28.75BTechnology Market cap, Sector
PayPay
PAYP$12.78BTechnology Market cap, Sector
Overall winner
Fair Isaac
FICO 61 PAYP
Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.
Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.
Fit scores by strategy
FICO6wins
1winsPAYP
85A
D57
88A
C66
85A
D53
70B
A91
94A
D54
91A
D47
95A
D47
Side-by-side metrics
| Metric | FICO | PAYP |
|---|---|---|
| Market cap | Winner: $28.75B | $12.78B |
| P/E (TTM) | 33.8x | 17.3x Winner |
| EV/EBIT | Winner: 30.9x | 59.7x |
| ROIC (TTM) | Winner: 53.2% | 1.71% |
| Gross margin | 84.16% | 87.37% Winner |
| Net margin | Winner: 33.67% | 32.17% |
| Revenue CAGR 5y | 10.89% | 21.69% Winner |
| EPS CAGR 5y | 18.48% | - |
| Debt / Equity | Winner: - | 2.0x |
| Dividend yield | 0.0% | 0.0% |
Where each one wins
The metrics with the biggest gap between the two - sorted so the most decisive edges read first.
FICO leads on
- Debt / Equity-vs 2.0x+185%
- ROIC (TTM)53.2%vs 1.71%+97%
- Market cap$28.75Bvs $12.78B+56%
- EV/EBIT30.9xvs 59.7x+48%
PAYP leads on
- Revenue CAGR 5y21.69%vs 10.89%+50%
- P/E (TTM)17.3xvs 33.8x+49%
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Key terms in this analysis
Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.