PAR vs RSKD vs TOST vs FICO

For growth investors, PAR Technology Corporation (PAR) is the stronger pick with 30.

2% revenue growth year-over-year, versus 5. 2% for Riskified Ltd. (RSKD). 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 PAR Technology Corporation (PAR) a "Buy" — based on 11 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, Fair Isaac Corporation (FICO) is the cheapest at 42.

6x versus Toast, Inc. at 52. 4x. On forward P/E, Riskified Ltd. is actually cheaper at 20. 8x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Fair Isaac Corporation (FICO) delivered a total return of +127.

7%, compared to -81. 4% for Riskified Ltd. (RSKD). Over 10 years, the gap is even starker: FICO returned +949. 1% versus RSKD's -81. 4%. 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 PAR Technology Corporation's 1. 54β — meaning PAR is approximately 80% more volatile than FICO relative to the S&P 500. On balance sheet safety, Toast, Inc. (TOST) carries a lower debt/equity ratio of 2% versus 49% for PAR Technology Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), PAR Technology Corporation (PAR) is pulling ahead at 30.

2% versus 5. 2% for Riskified Ltd. (RSKD). On earnings-per-share growth, the picture is similar: Toast, Inc. grew EPS 1639% year-over-year, compared to -1392. 9% for PAR Technology Corporation. Over a 3-year CAGR, TOST leads at 31. 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.

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

7% net margin versus -18. 5% for PAR Technology Corporation — 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 -14. 0% for PAR. 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.

On forward earnings alone, Riskified Ltd.

(RSKD) trades at 20. 8x forward P/E versus 28. 3x for PAR Technology Corporation — 7. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PAR: 67. 0% to $25. 00.

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.

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%, TOST: -53. 0%), 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.

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: PAR is a small-cap high-growth stock; RSKD is a small-cap quality compounder stock; TOST is a mid-cap high-growth 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.