Automatic Data Processing Inc (ADP)vsFair Isaac Corporation (FICO)
ADP
Automatic Data Processing Inc
$273.37
+3.48%
TECHNOLOGY · Cap: $97.18B
FICO
Fair Isaac Corporation
$1,373.08
+2.76%
TECHNOLOGY · Cap: $29.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Automatic Data Processing Inc generates 858% more annual revenue ($21.60B vs $2.26B). FICO leads profitability with a 33.7% profit margin vs 20.1%. FICO appears more attractively valued with a PEG of 0.84. FICO earns a higher WallStSmart Score of 79/100 (B+).
ADP
Strong Buy66
out of 100
Grade: B-
FICO
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-60.5%
Fair Value
$158.82
Current Price
$273.37
$114.55 premium
Intrinsic value data unavailable for FICO.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 68 in profit
Strong operational efficiency at 30.2%
Large-cap with strong market position
Keeps 20 of every $100 in revenue as profit
Generating 2.0B in free cash flow
Every $100 of equity generates 36 in profit
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 58.2%
Revenue surging 38.7% year-over-year
Earnings expanding 69.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Trading at 17.2x book value
Distress zone — elevated risk
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : ADP
The strongest argument for ADP centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 20.1% and operating margin at 30.2%.
Bull Case : FICO
The strongest argument for FICO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 58.2%. Revenue growth of 38.7% demonstrates continued momentum.
Bear Case : ADP
The primary concerns for ADP are PEG Ratio, Price/Book, Altman Z-Score.
Bear Case : FICO
The primary concerns for FICO are P/E Ratio.
Key Dynamics to Monitor
ADP profiles as a mature stock while FICO is a growth play — different risk/reward profiles.
FICO carries more volatility with a beta of 1.29 — expect wider price swings.
FICO is growing revenue faster at 38.7% — sustainability is the question.
ADP generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
FICO scores higher overall (79/100 vs 66/100), backed by strong 33.7% margins and 38.7% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Automatic Data Processing Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.
Fair Isaac Corporation
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Fair Isaac Corporation develops data management, software and analytics products and services that enable companies to automate, improve and connect decisions in North America, Latin America, Europe, the Middle East, Africa and Asia Pacific. The company is headquartered in San Jose, California.
Visit Website →Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?