Fair Isaac Corporation (FICO)vsUber Technologies Inc (UBER)
FICO
Fair Isaac Corporation
$1,137.33
-2.52%
TECHNOLOGY · Cap: $27.35B
UBER
Uber Technologies Inc
$72.21
+5.81%
TECHNOLOGY · Cap: $145.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 2280% more annual revenue ($53.69B vs $2.26B). FICO leads profitability with a 33.7% profit margin vs 15.9%. FICO appears more attractively valued with a PEG of 0.79. FICO earns a higher WallStSmart Score of 79/100 (B+).
FICO
Strong Buy79
out of 100
Grade: B+
UBER
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FICO.
Margin of Safety
+3.8%
Fair Value
$71.28
Current Price
$72.21
$0.93 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Every $100 of equity generates 35 in profit
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.3B in free cash flow
Areas to Watch
Premium valuation, high expectations priced in
Expensive relative to growth rate
Earnings declined 84.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : UBER
The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.
Bear Case : FICO
The primary concerns for FICO are P/E Ratio.
Bear Case : UBER
The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
FICO profiles as a growth stock while UBER is a mature 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.
UBER generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
FICO scores higher overall (79/100 vs 54/100), backed by strong 33.7% margins and 38.7% revenue growth. Both earn "Strong Buy" and "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.
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 →Uber Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.
Visit Website →Compare with Other SOFTWARE - APPLICATION Stocks
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