Fair Isaac Corporation (FICO)vsZepp Health Corp (ZEPP)
FICO
Fair Isaac Corporation
$1,043.57
+3.27%
TECHNOLOGY · Cap: $24.76B
ZEPP
Zepp Health Corp
$17.47
+4.55%
TECHNOLOGY · Cap: $247.54M
Smart Verdict
WallStSmart Research — data-driven comparison
Fair Isaac Corporation generates 697% more annual revenue ($2.06B vs $258.90M). FICO leads profitability with a 31.9% profit margin vs -15.5%. FICO earns a higher WallStSmart Score of 69/100 (B-).
FICO
Strong Buy69
out of 100
Grade: B-
ZEPP
Hold41
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FICO.
Margin of Safety
+48.6%
Fair Value
$46.70
Current Price
$17.47
$29.23 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 36 in profit
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.7%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 43.0% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of -17.2% — below average capital efficiency
Earnings declined 68.1%
Currently unprofitable
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 31.9% and operating margin at 45.7%. Revenue growth of 16.4% demonstrates continued momentum.
Bull Case : ZEPP
The strongest argument for ZEPP centers on Price/Book, Revenue Growth. Revenue growth of 43.0% demonstrates continued momentum.
Bear Case : FICO
The primary concerns for FICO are P/E Ratio.
Bear Case : ZEPP
The primary concerns for ZEPP are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
FICO profiles as a growth stock while ZEPP is a hypergrowth play — different risk/reward profiles.
ZEPP carries more volatility with a beta of 1.77 — expect wider price swings.
ZEPP is growing revenue faster at 43.0% — sustainability is the question.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FICO scores higher overall (69/100 vs 41/100), backed by strong 31.9% margins and 16.4% revenue growth. ZEPP offers better value entry with a 48.6% margin of safety. 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.
Visit Website →Zepp Health Corp
TECHNOLOGY · CONSUMER ELECTRONICS · China
Zepp Health Corporation, an activity and biometric data-driven company, develops, manufactures and sells smart wearable technology devices in the People's Republic of China. The company is headquartered in Hefei, the People's Republic of China.
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