ORCL’s 36% Single Day Rise Brings Valuations Into Focus – Is FICO a Better Deal?
Fair Isaac (FICO) offers superior revenue growth across key periods, better profitability, and relatively lower valuation vs Oracle (ORCL), suggesting you may be better off investing in FICO
- FICO’s quarterly revenue growth was 15.0%, vs. ORCL’s 11.3%.
- In addition, its Last 12 Months revenue growth came in at 14.7%, ahead of ORCL’s 8.4%.
- FICO leads on profitability over both periods – LTM margin of 44.2% and 3-year average of 42.5%.
ORCL provides cloud software services, industry solutions, application licenses, license support, enterprise database, software development language, and middleware products. FICO develops analytic software and data solutions enabling businesses to automate, enhance, and connect decisions through scoring and software services for improved transaction analytics.
Valuation & Performance Overview
| ORCL | FICO | Preferred | |
|---|---|---|---|
| Valuation | |||
| P/EBIT Ratio | 51.1 | 45.9 | FICO |
| Revenue Growth | |||
| Last Quarter | 11.3% | 15.0% | FICO |
| Last 12 Months | 8.4% | 14.7% | FICO |
| Last 3 Year Average | 10.7% | 10.9% | FICO |
| Operating Margins | |||
| Last 12 Months | 31.5% | 44.2% | FICO |
| Last 3 Year Average | 29.8% | 42.5% | FICO |
| Momentum | |||
| Last 3 Year Return | 350.4% | 238.7% | FICO |
Note: For “Last 3 Year Return” metric, preferred stock is one with higher returns unless the returns are too high (>300%) which creates risk of sell off.
See more revenue details: ORCL Revenue Comparison | FICO Revenue Comparison
See more margin details: ORCL Operating Income Comparison | FICO Operating Income Comparison
But do these numbers tell the full story? Read Buy or Sell FICO Stock to see if Fair Isaac’s edge holds up under the hood or if Oracle still has cards to play (see Buy or Sell ORCL Stock).
That is one way to look at stocks. Trefis High Quality Portfolio evaluates much more, and is designed to reduce stock-specific risk while giving upside exposure
Historical Market Performance
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | Avg | Best | |
|---|---|---|---|---|---|---|---|---|---|
| Returns | |||||||||
| ORCL Return | 24% | 37% | -5% | 31% | 60% | 99% | 365% | <=== | |
| FICO Return | 36% | -15% | 38% | 94% | 71% | -23% | 306% | ||
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 11% | 101% | ||
| Monthly Win Rates [3] | |||||||||
| ORCL Win Rate | 67% | 58% | 33% | 58% | 58% | 71% | 58% | ||
| FICO Win Rate | 67% | 50% | 42% | 83% | 75% | 43% | 60% | ||
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 62% | 63% | <=== | |
| Max Drawdowns [4] | |||||||||
| ORCL Max Drawdown | -25% | -6% | -29% | 0% | -3% | -26% | -15% | ||
| FICO Max Drawdown | -43% | -32% | -21% | -2% | -5% | -34% | -23% | ||
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | -12% | <=== | |
[1] Cumulative total returns since the beginning of 2020
[2] 2025 data is for the year up to 9/10/2025 (YTD)
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
No matter how good the numbers, stock investment is never a smooth ride. There is a risk you must factor in. Read FICO Dip Buyer Analyses to see how the stock has fallen and recovered in the past.