Which is better, FICO or RELY?

On the Buffett-Fit framework, Fair Isaac Corporation (FICO) currently grades higher than RELY — 85/100 (A grade) vs 51/100 (C). That said, "better" depends on which framework you trust — FICO wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith; RELY wins on none. The full pillar breakdown is on this page.

Should I buy FICO or RELY?

This page is an educational comparison, not investment advice. Both FICO and RELY are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is FICO better than RELY for value investing?

On the Buffett-style value-investing framework, FICO currently grades higher — 85/100 vs 51/100, a 34-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between FICO and RELY on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). FICO currently scores 85/100 (A grade); RELY scores 51/100 (C grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, FICO or RELY?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. FICO and RELY are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, FICO or RELY?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are FICO and RELY both Technology stocks?

Yes — both Fair Isaac Corporation (FICO) and Remitly Global, Inc. (RELY) operate in the Technology sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this FICO vs RELY comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Fair Isaac

FICO$28.75BTechnology Market cap, Sector

Remitly Global

RELY$4.54BTechnology Market cap, Sector

Overall winner

Fair Isaac

FICO 70 RELY

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

FICO7wins

0winsRELY

Warren Buffett

85A

D51

Benjamin Graham

88A

C67

Philip Fisher

85A

D58

Peter Lynch

70B

D58

Joel Greenblatt

94A

D52

Charlie Munger

91A

F43

Terry Smith

95A

F40

Side-by-side metrics

Metric	FICO	RELY
Market cap	Winner: $28.75B	$4.54B
P/E (TTM)	Winner: 33.8x	42.8x
EV/EBIT	Winner: 30.9x	47.8x
ROIC (TTM)	Winner: 53.2%	13.28%
Gross margin	Winner: 84.16%	59.18%
Net margin	Winner: 33.67%	6.12%
Revenue CAGR 5y	10.89%	37.41% Winner
EPS CAGR 5y	18.48%	-
Debt / Equity	Winner: -	0.0x
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 0.0x+102%
Market cap$28.75Bvs $4.54B+84%
Net margin33.67%vs 6.12%+82%
ROIC (TTM)53.2%vs 13.28%+75%

RELY leads on

Revenue CAGR 5y37.41%vs 10.89%+71%

More like FICO

FICO vs CAMS.BO FICO vs FTNT FICO vs KLAC FICO vs 4071.T

More like RELY

RELY vs CAMS.BO RELY vs FTNT RELY vs KLAC RELY vs 4071.T

Read the full Buffett-Brain analysis for FICO Read the full Buffett-Brain analysis for RELY

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

Fair Isaac

FICO$28.75BTechnology Market cap, Sector

Remitly Global

RELY$4.54BTechnology Market cap, Sector

Overall winner

Fair Isaac

FICO 70 RELY

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

FICO7wins

0winsRELY

Warren Buffett

85A

D51

Benjamin Graham

88A

C67

Philip Fisher

85A

D58

Peter Lynch

70B

D58

Joel Greenblatt

94A

D52

Charlie Munger

91A

F43

Terry Smith

95A

F40

Side-by-side metrics

Metric	FICO	RELY
Market cap	Winner: $28.75B	$4.54B
P/E (TTM)	Winner: 33.8x	42.8x
EV/EBIT	Winner: 30.9x	47.8x
ROIC (TTM)	Winner: 53.2%	13.28%
Gross margin	Winner: 84.16%	59.18%
Net margin	Winner: 33.67%	6.12%
Revenue CAGR 5y	10.89%	37.41% Winner
EPS CAGR 5y	18.48%	-
Debt / Equity	Winner: -	0.0x
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 0.0x+102%
Market cap$28.75Bvs $4.54B+84%
Net margin33.67%vs 6.12%+82%
ROIC (TTM)53.2%vs 13.28%+75%

RELY leads on

Revenue CAGR 5y37.41%vs 10.89%+71%

More like FICO

FICO vs CAMS.BO FICO vs FTNT FICO vs KLAC FICO vs 4071.T

More like RELY

RELY vs CAMS.BO RELY vs FTNT RELY vs KLAC RELY vs 4071.T

Read the full Buffett-Brain analysis for FICO Read the full Buffett-Brain analysis for RELY

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.