WallStSmart

Fair Isaac Corporation (FICO)vsSony Group Corp (SONY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sony Group Corp generates 553123% more annual revenue ($12.48T vs $2.26B). FICO leads profitability with a 33.7% profit margin vs -2.6%. 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

SONY

Hold

47

out of 100

Grade: D+

Growth: 5.3Profit: 4.0Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 2.44

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

SONY5 strengths · Avg: 8.8/10
Free Cash FlowQuality
$379.67B10/10

Generating 379.7B in free cash flow

Market CapQuality
$124.55B9/10

Large-cap with strong market position

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

Areas to Watch

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

Premium valuation, high expectations priced in

SONY4 concerns · Avg: 2.3/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

Return on EquityProfitability
-4.2%2/10

ROE of -4.2% — below average capital efficiency

EPS GrowthGrowth
-57.5%2/10

Earnings declined 57.5%

Profit MarginProfitability
-2.6%1/10

Currently unprofitable

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 : SONY

The strongest argument for SONY centers on Free Cash Flow, Market Cap, Debt/Equity. Revenue growth of 15.4% demonstrates continued momentum.

Bear Case : FICO

The primary concerns for FICO are P/E Ratio.

Bear Case : SONY

The primary concerns for SONY are PEG Ratio, Return on Equity, EPS Growth.

Key Dynamics to Monitor

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.

SONY generates stronger free cash flow (379.7B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FICO scores higher overall (79/100 vs 47/100), backed by strong 33.7% margins and 38.7% revenue growth. Both earn "Strong Buy" and "Hold" 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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Sony Group Corp

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sony Group Corporation designs, develops, produces and sells electronic equipment, instruments and devices for the consumer, professional and industrial markets worldwide. The company is headquartered in Tokyo, Japan.

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