Fair Isaac (FICO) Competitors

Upstart (NASDAQ:UPST) and Fair Isaac (NYSE:FICO) are related companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, earnings, profitability, institutional ownership, risk, valuation, media sentiment and analyst recommendations.

Do insiders and institutionals have more ownership in UPST or FICO?

63.0% of Upstart shares are held by institutional investors. Comparatively, 85.8% of Fair Isaac shares are held by institutional investors. 16.7% of Upstart shares are held by insiders. Comparatively, 3.5% of Fair Isaac shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Does the media favor UPST or FICO?

In the previous week, Fair Isaac had 15 more articles in the media than Upstart. MarketBeat recorded 31 mentions for Fair Isaac and 16 mentions for Upstart. Fair Isaac's average media sentiment score of 1.48 beat Upstart's score of 0.30 indicating that Fair Isaac is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Upstart	7 Very Positive mention(s)	2 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
Fair Isaac	23 Very Positive mention(s)	4 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	1 Very Negative mention(s)	Positive

Do analysts prefer UPST or FICO?

Upstart presently has a consensus price target of $78.54, suggesting a potential upside of 14.07%. Fair Isaac has a consensus price target of $2,134.57, suggesting a potential upside of 51.11%. Given Fair Isaac's stronger consensus rating and higher possible upside, analysts clearly believe Fair Isaac is more favorable than Upstart.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Upstart	1 Sell rating(s)	7 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.36
Fair Isaac	0 Sell rating(s)	2 Hold rating(s)	11 Buy rating(s)	1 Strong Buy rating(s)	2.93

Which has more volatility & risk, UPST or FICO?

Upstart has a beta of 2.39, meaning that its stock price is 139% more volatile than the S&P 500. Comparatively, Fair Isaac has a beta of 1.28, meaning that its stock price is 28% more volatile than the S&P 500.

Which has stronger earnings & valuation, UPST or FICO?

Fair Isaac has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than Fair Isaac, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$636.53M	10.41	-$128.58M	-$0.08	-860.63
Fair Isaac	$1.72B	19.74	$512.81M	$25.57	55.24

Is UPST or FICO more profitable?

Fair Isaac has a net margin of 32.80% compared to Upstart's net margin of -0.75%. Upstart's return on equity of -5.95% beat Fair Isaac's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Upstart	-0.75%	-5.95%	-1.75%
Fair Isaac	32.80%	-48.88%	31.72%

Summary

Fair Isaac beats Upstart on 14 of the 17 factors compared between the two stocks.