FICO vs JPM

For growth investors, Fair Isaac Corporation (FICO) is the stronger pick with 15.

9% revenue growth year-over-year, versus 14. 6% for JPMorgan Chase & Co. (JPM). JPMorgan Chase & Co. (JPM) offers the better valuation at 15. 9x trailing P/E (14. 2x forward), making it the more compelling value choice. Analysts rate Fair Isaac Corporation (FICO) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, JPMorgan Chase & Co.

(JPM) is the cheapest at 15. 9x versus Fair Isaac Corporation at 40. 2x. On forward P/E, JPMorgan Chase & Co. is actually cheaper at 14. 2x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fair Isaac Corporation wins at 0. 91x versus JPMorgan Chase & Co. 's 1. 09x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Fair Isaac Corporation (FICO) delivered a total return of +115.

9%, compared to +110. 3% for JPMorgan Chase & Co. (JPM). Over 10 years, the gap is even starker: FICO returned +906. 5% versus JPM's +471. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Fair Isaac Corporation (FICO) is the lower-risk stock at 0.

86β versus JPMorgan Chase & Co. 's 1. 00β — meaning JPM is approximately 17% more volatile than FICO relative to the S&P 500.

By revenue growth (latest reported year), Fair Isaac Corporation (FICO) is pulling ahead at 15.

9% versus 14. 6% for JPMorgan Chase & Co. (JPM). On earnings-per-share growth, the picture is similar: Fair Isaac Corporation grew EPS 29. 8% year-over-year, compared to 21. 7% for JPMorgan Chase & Co.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Fair Isaac Corporation (FICO) is the more profitable company, earning 32.

7% net margin versus 21. 6% for JPMorgan Chase & Co. — meaning it keeps 32. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FICO leads at 46. 5% versus 27. 7% for JPM. At the gross margin level — before operating expenses — FICO leads at 82. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Fair Isaac Corporation (FICO) is the more undervalued stock at a PEG of 0. 91x versus JPMorgan Chase & Co. 's 1. 09x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, JPMorgan Chase & Co. (JPM) trades at 14. 2x forward P/E versus 25. 0x for Fair Isaac Corporation — 10. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FICO: 54. 6% to $1649. 11.

In this comparison, JPM (1.

6% yield) pays a dividend. FICO does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, JPMorgan Chase & Co.

(JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 1. 6% yield, +471. 7% 10Y return). Both have compounded well over 10 years (JPM: +471. 7%, FICO: +906. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (FICO (Technology) and JPM (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: FICO is a mid-cap high-growth stock; JPM is a large-cap deep-value stock. JPM pays a dividend while FICO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.