Comprehensive Stock Comparison
Compare SS&C Technologies Holdings, Inc. (SSNC) vs Fair Isaac Corporation (FICO) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | FICO | 15.9% revenue growth vs SSNC's 6.6% |
| Value | SSNC | Lower P/E (11.0x vs 33.9x) |
| Quality / Margins | FICO | 31.9% net margin vs SSNC's 13.9% |
| Stability / Safety | SSNC | Beta 0.89 vs FICO's 1.00 |
| Dividends | SSNC | 1.3% yield; 12-year raise streak; FICO pays no meaningful dividend |
| Momentum (1Y) | SSNC | -14.3% vs FICO's -25.3% |
| Efficiency (ROA) | FICO | 35.5% ROA vs SSNC's 4.4%, ROIC 59.7% vs 10.8% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
SS&C Technologies is a financial technology company that provides specialized software and software-enabled services to the financial services and healthcare industries. It generates revenue primarily through recurring software licensing fees and service contracts — with its financial services segment contributing roughly 90% of revenue — while its healthcare solutions make up the remainder. The company's competitive advantage lies in its deep domain expertise and comprehensive technology stack that creates high switching costs for clients who rely on its systems for mission-critical operations.
Fair Isaac Corporation is a data analytics and decision management software company that helps businesses make better credit, fraud, and risk decisions. It generates revenue primarily through its FICO Scores business—which provides credit scoring data and analytics—and its Software segment that sells decision management platforms and professional services. The company's main competitive advantage is its FICO credit scoring system, which has become the industry standard used by over 90% of top U.S. lenders.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
FICO leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). SSNC leads in 3 (Valuation Metrics, Risk & Volatility).
Financial Metrics (TTM)
SSNC is the larger business by revenue, generating $6.1B annually — 3.0x FICO's $2.1B. FICO is the more profitable business, keeping 31.9% of every revenue dollar as net income compared to SSNC's 13.9%. On growth, FICO holds the edge at +16.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SSNCSS&C Technologies… | FICOFair Isaac Corpor… |
|---|---|---|
| RevenueTrailing 12 months | $6.1B | $2.1B |
| EBITDAEarnings before interest/tax | $2.1B | $995M |
| Net IncomeAfter-tax profit | $852M | $658M |
| Free Cash FlowCash after capex | $1.6B | $735M |
| Gross MarginGross profit ÷ Revenue | +48.6% | +82.9% |
| Operating MarginEBIT ÷ Revenue | +23.2% | +47.5% |
| Net MarginNet income ÷ Revenue | +13.9% | +31.9% |
| FCF MarginFCF ÷ Revenue | +26.4% | +35.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +7.0% | +16.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +27.7% | +7.7% |
Valuation Metrics
At 23.9x trailing earnings, SSNC trades at a 55% valuation discount to FICO's 53.1x P/E. Adjusting for growth (PEG ratio), FICO offers better value at 1.94x vs SSNC's 3.96x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SSNCSS&C Technologies… | FICOFair Isaac Corpor… |
|---|---|---|
| Market CapShares × price | $18.3B | $33.5B |
| Enterprise ValueMkt cap + debt − cash | $18.1B | $36.4B |
| Trailing P/EPrice ÷ TTM EPS | 23.90x | 53.10x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.97x | 33.93x |
| PEG RatioP/E ÷ EPS growth rate | 3.96x | 1.94x |
| EV / EBITDAEnterprise value multiple | 12.60x | 38.76x |
| Price / SalesMarket cap ÷ Revenue | 2.92x | 16.82x |
| Price / BookPrice ÷ Book value/share | 2.75x | — |
| Price / FCFMarket cap ÷ FCF | 11.02x | 43.50x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), FICO scores 7/9 vs SSNC's 5/9, reflecting strong financial health.
| Metric | SSNCSS&C Technologies… | FICOFair Isaac Corpor… |
|---|---|---|
| ROE (TTM)Return on equity | +12.2% | — |
| ROA (TTM)Return on assets | +4.4% | +35.5% |
| ROICReturn on invested capital | +10.8% | +59.7% |
| ROCEReturn on capital employed | +9.5% | +78.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.03x | — |
| Net DebtTotal debt minus cash | -$224M | $2.9B |
| Cash & Equiv.Liquid assets | $462M | $134M |
| Total DebtShort + long-term debt | $238M | $3.1B |
| Interest CoverageEBIT ÷ Interest expense | 3.27x | 6.78x |
Total Returns (with DRIP)
A $10,000 investment in FICO five years ago would be worth $29,863 today (with dividends reinvested), compared to $11,876 for SSNC. Over the past 12 months, SSNC leads with a -14.3% total return vs FICO's -25.3%. The 3-year compound annual growth rate (CAGR) favors FICO at 27.7% vs SSNC's 10.0% — a key indicator of consistent wealth creation.
| Metric | SSNCSS&C Technologies… | FICOFair Isaac Corpor… |
|---|---|---|
| YTD ReturnYear-to-date | -12.2% | -14.2% |
| 1-Year ReturnPast 12 months | -14.3% | -25.3% |
| 3-Year ReturnCumulative with dividends | +33.2% | +108.1% |
| 5-Year ReturnCumulative with dividends | +18.8% | +198.6% |
| 10-Year ReturnCumulative with dividends | +179.4% | +1316.3% |
| CAGR (3Y)Annualised 3-year return | +10.0% | +27.7% |
Risk & Volatility
SSNC is the less volatile stock with a 0.89 beta — it tends to amplify market swings less than FICO's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SSNC currently trades 82.7% from its 52-week high vs FICO's 63.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SSNCSS&C Technologies… | FICOFair Isaac Corpor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.89x | 1.00x |
| 52-Week HighHighest price in past year | $91.07 | $2217.60 |
| 52-Week LowLowest price in past year | $69.00 | $1193.10 |
| % of 52W HighCurrent price vs 52-week peak | +82.7% | +63.6% |
| RSI (14)Momentum oscillator 0–100 | 47.7 | 47.7 |
| Avg Volume (50D)Average daily shares traded | 1.6M | 244K |
Analyst Outlook
Wall Street rates SSNC as "Buy" and FICO as "Buy". Consensus price targets imply 49.8% upside for FICO (target: $2111) vs 34.3% for SSNC (target: $101). SSNC is the only dividend payer here at 1.33% yield — a key consideration for income-focused portfolios.
| Metric | SSNCSS&C Technologies… | FICOFair Isaac Corpor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $101.14 | $2111.17 |
| # AnalystsCovering analysts | 24 | 18 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | — |
| Dividend StreakConsecutive years of raises | 12 | 0 |
| Dividend / ShareAnnual DPS | $1.00 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +5.7% | +4.2% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Feb 20 | Feb 26 | Change |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 100 | 148.13 | +48.1% |
| Fair Isaac Corporat… (FICO) | 100 | 385.85 | +285.8% |
Fair Isaac Corporat… (FICO) returned +199% over 5 years vs SS&C Technologies H… (SSNC)'s +19%. A $10,000 investment in FICO 5 years ago would be worth $29,863 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | $1.5B | $6.3B | +323.4% |
| Fair Isaac Corporat… (FICO) | $881M | $2.0B | +125.9% |
SS&C Technologies Holdings, Inc.'s revenue grew from $1.5B (2016) to $6.3B (2025) — a 17.4% CAGR. Fair Isaac Corporation's revenue grew from $881M (2016) to $2.0B (2025) — a 9.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 8.8% | 12.7% | +43.7% |
| Fair Isaac Corporat… (FICO) | 12.4% | 32.7% | +163.7% |
SS&C Technologies Holdings, Inc.'s net margin went from 9% (2016) to 13% (2025). Fair Isaac Corporation's net margin went from 12% (2016) to 33% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 26.1 | 27.8 | +6.5% |
| Fair Isaac Corporat… (FICO) | 38.5 | 63.7 | +65.5% |
SS&C Technologies Holdings, Inc. has traded in a 21x–107x P/E range over 9 years; current trailing P/E is ~24x. Fair Isaac Corporation has traded in a 32x–97x P/E range over 9 years; current trailing P/E is ~53x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 0.64 | 3.15 | +392.2% |
| Fair Isaac Corporat… (FICO) | 3.39 | 26.54 | +682.9% |
SS&C Technologies Holdings, Inc.'s EPS grew from $0.64 (2016) to $3.15 (2025) — a 19% CAGR. Fair Isaac Corporation's EPS grew from $3.39 (2016) to $26.54 (2025) — a 26% CAGR.
Chart 6Free Cash Flow — 5 Years
SS&C Technologies Holdings, Inc. generated $2B FCF in 2025 (+29% vs 2021). Fair Isaac Corporation generated $770M FCF in 2025 (+85% vs 2021).
SSNC vs FICO: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is SSNC or FICO a better buy right now?
SS&C Technologies Holdings, Inc. (SSNC) offers the better valuation at 23.9x trailing P/E (11.0x forward), making it the more compelling value choice. Analysts rate SS&C Technologies Holdings, Inc. (SSNC) a "Buy" — based on 24 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 — SSNC or FICO?
On trailing P/E, SS&C Technologies Holdings, Inc. (SSNC) is the cheapest at 23.9x versus Fair Isaac Corporation at 53.1x. On forward P/E, SS&C Technologies Holdings, Inc. is actually cheaper at 11.0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fair Isaac Corporation wins at 1.24x versus SS&C Technologies Holdings, Inc.'s 1.82x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — SSNC or FICO?
Over the past 5 years, Fair Isaac Corporation (FICO) delivered a total return of +198.6%, compared to +18.8% for SS&C Technologies Holdings, Inc. (SSNC). A $10,000 investment in FICO five years ago would be worth approximately $30K today (assuming dividends reinvested). Over 10 years, the gap is even starker: FICO returned +1316% versus SSNC's +179.4%. 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 — SSNC or FICO?
By beta (market sensitivity over 5 years), SS&C Technologies Holdings, Inc. (SSNC) is the lower-risk stock at 0.89β versus Fair Isaac Corporation's 1.00β — meaning FICO is approximately 12% more volatile than SSNC relative to the S&P 500.
05Which has better profit margins — SSNC or FICO?
Fair Isaac Corporation (FICO) is the more profitable company, earning 32.7% net margin versus 12.7% for SS&C Technologies Holdings, Inc. — 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 22.9% for SSNC. 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.
06Is SSNC or FICO more undervalued right now?
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 1.24x versus SS&C Technologies Holdings, Inc.'s 1.82x. A PEG below 1.5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, SS&C Technologies Holdings, Inc. (SSNC) trades at 11.0x forward P/E versus 33.9x for Fair Isaac Corporation — 23.0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FICO: 49.8% to $2111.17.
07Which pays a better dividend — SSNC or FICO?
In this comparison, SSNC (1.3% yield) pays a dividend. FICO does not pay a meaningful dividend and should not be held primarily for income.
08Is SSNC 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 1.00), +1316% 10Y return). Both have compounded well over 10 years (FICO: +1316%, SSNC: +179.4%), 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.
09What are the main differences between SSNC 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. SSNC 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.
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