OCFT
OneConnect Financial Technology Co., Ltd.
Software - Application
Market Cap$308M
5Y Perf.-93.7%
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Stock Comparison
OCFT vs FICO
Revenue, margins, valuation, and 5-year total return — side by side.
FICO
Fair Isaac Corporation
Software - Application
Market Cap$26.20B
5Y Perf.+312.2%
OCFT vs FICO — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OCFT | FICO |
|---|---|---|
| Industry | Software - Application | Software - Application |
| Market Cap | $308M | $26.20B |
| Revenue (TTM) | $1.63B | $2.26B |
| Net Income (TTM) | $-677M | $760M |
| Gross Margin | 29.9% | 84.2% |
| Operating Margin | -18.6% | 50.4% |
| Forward P/E | 4.7x | 26.4x |
| Total Debt | $44M | $3.07B |
| Cash & Equiv. | $1.95B | $134M |
OCFT vs FICO — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OCFT
FICO
| Stock | May 20 | Nov 25 | Return |
|---|---|---|---|
| OneConnect Financia… (OCFT) | 100 | 6.3 | -93.7% |
| Fair Isaac Corporat… (FICO) | 100 | 412.2 | +312.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OCFT vs FICO
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OCFT and FICO are tied at the top with 3 categories each — the right choice depends on your priorities. Fair Isaac Corporation is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
OCFT
OneConnect Financial Technology Co., Ltd.
The Income Pick
OCFT has the current edge in this matchup, primarily because of its strength in income & stability and sleep-well-at-night.
- beta 0.33
- Lower volatility, beta 0.33, Low D/E 1.7%, current ratio 2.36x
- Beta 0.33, current ratio 2.36x
Best for: income & stability and sleep-well-at-night
FICO
Fair Isaac Corporation
The Growth Play
FICO is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 15.9%, EPS growth 29.8%, 3Y rev CAGR 13.1%
- 9.5% 10Y total return vs OCFT's -92.1%
- 15.9% revenue growth vs OCFT's -38.7%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FICO | 15.9% revenue growth vs OCFT's -38.7% |
| Value | OCFT | Lower P/E (4.7x vs 26.4x) |
| Quality / Margins | FICO | 33.7% margin vs OCFT's -41.5% |
| Stability / Safety | OCFT | Beta 0.33 vs FICO's 0.86 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | OCFT | +28.3% vs FICO's -46.1% |
| Efficiency (ROA) | FICO | 39.8% ROA vs OCFT's -18.2%, ROIC 59.7% vs -18.0% |
OCFT vs FICO — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
OCFT vs FICO — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOCFTLAGGINGFICO
FICOFair Isaac Corporation
2leads
OCFTOneConnect Financial …
3leads
6 Total Categories
CATEGORYLEADERvs FICOMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FICO6/6
Valuation MetricsMultiples, price ratios, and targets
OCFT3/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FICO5/7
Total Returns1Y, 3Y, 5Y total returns with dividends
OCFT3/5
Risk & VolatilityBeta, volatility, and downside exposure
OCFT2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
FICO leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
FICO and OCFT operate at a comparable scale, with $2.3B and $1.6B in trailing revenue. FICO is the more profitable business, keeping 33.7% of every revenue dollar as net income compared to OCFT's -41.5%. On growth, FICO holds the edge at +38.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | OCFTOneConnect Financ… | FICOFair Isaac Corpor… |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $2.3B |
| EBITDAEarnings before interest/tax | -$262M | $1.2B |
| Net IncomeAfter-tax profit | -$677M | $760M |
| Free Cash FlowCash after capex | -$192M | $893M |
| Gross MarginGross profit ÷ Revenue | +29.9% | +84.2% |
| Operating MarginEBIT ÷ Revenue | -18.6% | +50.4% |
| Net MarginNet income ÷ Revenue | -41.5% | +33.7% |
| FCF MarginFCF ÷ Revenue | -11.8% | +39.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | -37.4% | +38.7% |
| EPS Growth (YoY)Latest quarter vs prior year | -139.1% | +69.0% |
FICO leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
OCFT leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
| Metric | OCFTOneConnect Financ… | FICOFair Isaac Corpor… |
|---|---|---|
| Market CapShares × price | $308M | $26.2B |
| Enterprise ValueMkt cap + debt − cash | -$1.6B | $29.1B |
| Trailing P/EPrice ÷ TTM EPS | -0.63x | 42.57x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.69x | 26.43x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.55x |
| EV / EBITDAEnterprise value multiple | — | 31.01x |
| Price / SalesMarket cap ÷ Revenue | 0.14x | 13.16x |
| Price / BookPrice ÷ Book value/share | 0.11x | — |
| Price / FCFMarket cap ÷ FCF | — | 34.03x |
OCFT leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
FICO leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), FICO scores 7/9 vs OCFT's 5/9, reflecting strong financial health.
| Metric | OCFTOneConnect Financ… | FICOFair Isaac Corpor… |
|---|---|---|
| ROE (TTM)Return on equity | -28.1% | — |
| ROA (TTM)Return on assets | -18.2% | +39.8% |
| ROICReturn on invested capital | -18.0% | +59.7% |
| ROCEReturn on capital employed | -11.0% | +78.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.02x | — |
| Net DebtTotal debt minus cash | -$1.9B | $2.9B |
| Cash & Equiv.Liquid assets | $1.9B | $134M |
| Total DebtShort + long-term debt | $44M | $3.1B |
| Interest CoverageEBIT ÷ Interest expense | -38.58x | 7.20x |
FICO leads this category, winning 5 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
OCFT leads this category, winning 3 of 5 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FICO five years ago would be worth $22,769 today (with dividends reinvested), compared to $561 for OCFT. Over the past 12 months, OCFT leads with a +28.3% total return vs FICO's -46.1%. The 3-year compound annual growth rate (CAGR) favors OCFT at 16.9% vs FICO's 15.3% — a key indicator of consistent wealth creation.
| Metric | OCFTOneConnect Financ… | FICOFair Isaac Corpor… |
|---|---|---|
| YTD ReturnYear-to-date | — | -31.3% |
| 1-Year ReturnPast 12 months | +28.3% | -46.1% |
| 3-Year ReturnCumulative with dividends | +59.7% | +53.4% |
| 5-Year ReturnCumulative with dividends | -94.4% | +127.7% |
| 10-Year ReturnCumulative with dividends | -92.1% | +949.1% |
| CAGR (3Y)Annualised 3-year return | +16.9% | +15.3% |
OCFT leads this category, winning 3 of 5 comparable metrics.
Risk & Volatility
OCFT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
OCFT is the less volatile stock with a 0.33 beta — it tends to amplify market swings less than FICO's 0.86 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OCFT currently trades 99.6% from its 52-week high vs FICO's 50.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OCFTOneConnect Financ… | FICOFair Isaac Corpor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.33x | 0.86x |
| 52-Week HighHighest price in past year | $7.92 | $2217.60 |
| 52-Week LowLowest price in past year | $6.09 | $870.01 |
| % of 52W HighCurrent price vs 52-week peak | +99.6% | +50.9% |
| RSI (14)Momentum oscillator 0–100 | 68.7 | 50.9 |
| Avg Volume (50D)Average daily shares traded | 0 | 371K |
OCFT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates OCFT as "Hold" and FICO as "Buy". Consensus price targets imply 46.0% upside for FICO (target: $1649) vs -98.5% for OCFT (target: $0).
| Metric | OCFTOneConnect Financ… | FICOFair Isaac Corpor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $0.12 | $1649.11 |
| # AnalystsCovering analysts | 7 | 18 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +5.4% |
Insufficient data to determine a leader in this category.
Key Takeaway
OCFT leads in 3 of 6 categories (Valuation Metrics, Total Returns). FICO leads in 2 (Income & Cash Flow, Profitability & Efficiency).
Best OverallOneConnect Financial Techno… (OCFT)Leads 3 of 6 categories
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OCFT vs FICO: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OCFT or FICO a better buy right now?
For growth investors, Fair Isaac Corporation (FICO) is the stronger pick with 15.
9% revenue growth year-over-year, versus -38. 7% for OneConnect Financial Technology Co. , Ltd. (OCFT). Fair Isaac Corporation (FICO) offers the better valuation at 42. 6x trailing P/E (26. 4x 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.
02Which has the better valuation — OCFT or FICO?
On forward P/E, OneConnect Financial Technology Co.
, Ltd. is actually cheaper at 4. 7x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OCFT or FICO?
Over the past 5 years, Fair Isaac Corporation (FICO) delivered a total return of +127.
7%, compared to -94. 4% for OneConnect Financial Technology Co. , Ltd. (OCFT). Over 10 years, the gap is even starker: FICO returned +949. 1% versus OCFT's -92. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OCFT or FICO?
By beta (market sensitivity over 5 years), OneConnect Financial Technology Co.
, Ltd. (OCFT) is the lower-risk stock at 0. 33β versus Fair Isaac Corporation's 0. 86β — meaning FICO is approximately 162% more volatile than OCFT relative to the S&P 500.
05Which is growing faster — OCFT or FICO?
By revenue growth (latest reported year), Fair Isaac Corporation (FICO) is pulling ahead at 15.
9% versus -38. 7% for OneConnect Financial Technology Co. , Ltd. (OCFT). On earnings-per-share growth, the picture is similar: Fair Isaac Corporation grew EPS 29. 8% year-over-year, compared to -27. 3% for OneConnect Financial Technology Co. , Ltd.. Over a 3-year CAGR, FICO leads at 13. 1% annualised revenue growth. 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.
06Which has better profit margins — OCFT or FICO?
Fair Isaac Corporation (FICO) is the more profitable company, earning 32.
7% net margin versus -20. 4% for OneConnect Financial Technology Co. , Ltd. — 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 -13. 5% for OCFT. 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.
07Is OCFT or FICO more undervalued right now?
On forward earnings alone, OneConnect Financial Technology Co.
, Ltd. (OCFT) trades at 4. 7x forward P/E versus 26. 4x for Fair Isaac Corporation — 21. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FICO: 46. 0% to $1649. 11.
08Which pays a better dividend — OCFT or FICO?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is OCFT or FICO better for a retirement portfolio?
For long-horizon retirement investors, Fair Isaac Corporation (FICO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
86), +949. 1% 10Y return). Both have compounded well over 10 years (FICO: +949. 1%, OCFT: -92. 1%), 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.
10What are the main differences between OCFT and FICO?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: OCFT is a small-cap quality compounder stock; FICO is a mid-cap high-growth stock. 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.
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