Is Fair Isaac a Better Buy Than Oracle?
Oracle surged 6.5% during the past Day. You may be tempted to buy more, or may want to reduce your exposure. But there is an entirely different perspective you might be missing. Is there a better alternative? Turns out, its peer Fair Isaac gives you more. Fair Isaac (FICO) stock offers superior revenue growth across key periods, better profitability, and relatively lower valuation vs Oracle (ORCL) stock, suggesting you may be better off investing in FICO
- FICO’s quarterly revenue growth was 38.7%, vs. ORCL’s 21.7%.
- In addition, its Last 12 Months revenue growth came in at 22.6%, ahead of ORCL’s 14.9%.
- FICO leads on profitability over both periods – LTM margin of 50.9% and 3-year average of 46.0%.
These differences become even clearer when you look at the financials side by side. The table highlights how ORCL’s fundamentals stack up against those of FICO on growth, margins, momentum, and valuation multiples.
Valuation & Performance Overview
| ORCL | FICO | Preferred | |
|---|---|---|---|
| Valuation | |||
| P/EBIT Ratio | 23.9 | 21.3 | FICO |
| Revenue Growth | |||
| Last Quarter | 21.7% | 38.7% | FICO |
| Last 12 Months | 14.9% | 22.6% | FICO |
| Last 3 Year Average | 10.2% | 16.7% | FICO |
| Operating Margins | |||
| Last 12 Months | 32.3% | 50.9% | FICO |
| Last 3 Year Average | 31.2% | 46.0% | FICO |
| Momentum | |||
| Last 3 Year Return | 87.6% | 38.8% | ORCL |
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 detailed fundamentals on Buy or Sell FICO Stock and Buy or Sell ORCL Stock. Below we compare market return and related metrics across years.
Historical Market Performance
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | Avg | Best | |
|---|---|---|---|---|---|---|---|---|---|
| Returns | |||||||||
| ORCL Return | 37% | -5% | 31% | 60% | 18% | -17% | 169% | <=== | |
| FICO Return | -15% | 38% | 94% | 71% | -15% | -39% | 101% | ||
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 5% | 92% | ||
| Monthly Win Rates [3] | |||||||||
| ORCL Win Rate | 58% | 33% | 58% | 58% | 50% | 50% | 51% | ||
| FICO Win Rate | 50% | 42% | 83% | 75% | 50% | 0% | 50% | ||
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | 62% | <=== | |
| Max Drawdowns [4] | |||||||||
| ORCL Max Drawdown | -6% | -29% | 0% | -3% | -26% | -30% | -16% | ||
| FICO Max Drawdown | -32% | -21% | -2% | -5% | -34% | -45% | -23% | ||
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | -9% | <=== | |
[1] Cumulative total returns since the beginning of 2021
[2] 2026 data is for the year up to 5/1/2026 (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.
Still not sure about ORCL or FICO? Consider portfolio approach.
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