WallStSmart

Fair Isaac Corporation (FICO)vsLG Display Co Ltd (LPL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

LG Display Co Ltd generates 1120512% more annual revenue ($25.28T vs $2.26B). FICO leads profitability with a 33.7% profit margin vs -0.3%. FICO appears more attractively valued with a PEG of 0.79. FICO earns a higher WallStSmart Score of 79/100 (B+).

FICO

Strong Buy

79

out of 100

Grade: B+

Growth: 9.3Profit: 10.0Value: 5.7Quality: 8.5
Piotroski: 5/9Altman Z: 6.04

LPL

Avoid

32

out of 100

Grade: F

Growth: 2.0Profit: 3.0Value: 4.0Quality: 3.5
Piotroski: 5/9Altman Z: 1.17

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FICO6 strengths · Avg: 10.0/10
Return on EquityProfitability
35.6%10/10

Every $100 of equity generates 36 in profit

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
58.2%10/10

Strong operational efficiency at 58.2%

Revenue GrowthGrowth
38.7%10/10

Revenue surging 38.7% year-over-year

EPS GrowthGrowth
69.0%10/10

Earnings expanding 69.0% YoY

Debt/EquityHealth
-1.7410/10

Conservative balance sheet, low leverage

LPL1 strengths · Avg: 10.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Areas to Watch

FICO1 concerns · Avg: 4.0/10
P/E RatioValuation
37.5x4/10

Premium valuation, high expectations priced in

LPL4 concerns · Avg: 2.3/10
Operating MarginProfitability
2.6%3/10

Operating margin of 2.6%

PEG RatioValuation
6.562/10

Expensive relative to growth rate

Return on EquityProfitability
-1.3%2/10

ROE of -1.3% — below average capital efficiency

Revenue GrowthGrowth
-8.8%2/10

Revenue declined 8.8%

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : LPL

The strongest argument for LPL centers on Price/Book.

Bear Case : FICO

The primary concerns for FICO are P/E Ratio.

Bear Case : LPL

The primary concerns for LPL are Operating Margin, PEG Ratio, Return on Equity. Debt-to-equity of 2.14 is elevated, increasing financial risk.

Key Dynamics to Monitor

FICO profiles as a growth stock while LPL is a turnaround play — different risk/reward profiles.

FICO carries more volatility with a beta of 1.28 — expect wider price swings.

FICO is growing revenue faster at 38.7% — sustainability is the question.

FICO generates stronger free cash flow (223M), providing more financial flexibility.

Bottom Line

FICO scores higher overall (79/100 vs 32/100), backed by strong 33.7% margins and 38.7% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

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.

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LG Display Co Ltd

TECHNOLOGY · CONSUMER ELECTRONICS · USA

LG Display Co., Ltd. is dedicated to the design, manufacture and sale of thin film transistor liquid crystal displays (TFT-LCD) and display panels based on organic light emitting diode (OLED) technology. The company is headquartered in Seoul, South Korea.

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