Compare $FICO vs $GWRE | Chartloom

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$FICO vs $GWRE

Fair Isaac Corp · Guidewire Software Inc

FICO

Fair Isaac Corp

GWRE

Guidewire Software Inc

Compare $FICO vs $GWRE

Comparing Fair Isaac Corp and Guidewire Software Inc

FICOFair Isaac Corp

GWREGuidewire Software Inc

FICOFair Isaac Corp

Market cap

$14.42B

P/E (TTM)

18.60x

Forward P/E (NTM)

13.11x

Forward P/S (NTM)

5.03x

Rev growth (TTM)

24.1%

YTD performance

-59.4%

52W performance

-60.6%

FCF yield

6.7%

GWREGuidewire Software Inc

Market cap

$13.93B

P/E (TTM)

100.65x

Forward P/E (NTM)

37.76x

Forward P/S (NTM)

7.95x

Rev growth (TTM)

22.7%

YTD performance

-10.8%

52W performance

-27.5%

FCF yield

2.6%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

FICO

GWRE

Detailed metrics comparison

FICO

Fair Isaac Corp

GWRE

Guidewire Software Inc

Market Cap

FICO$14.42B

GWRE$13.93B

Enterprise Value

FICO$19.75B

GWRE$14.24B

Price

FICO$667.58

GWRE$167.32

P/E Ratio

FICO18.60x

GWRE100.65x

P/S Ratio

FICO6.02x

GWRE9.44x

EV/Sales

FICO8.25x

GWRE9.65x

EV/EBITDA

FICO15.59x

GWRE75.12x

P/B Ratio

FICO114.40x

GWRE10.45x

P/FCF Ratio

FICO15.01x

GWRE38.84x

EV/FCF

FICO20.56x

GWRE39.69x

PEG Ratio

FICO0.54x

GWRE0.92x

Forward P/E (NTM)

FICO13.11x

GWRE37.76x

Forward P/S (NTM)

FICO5.03x

GWRE7.95x

Revenue (TTM)

FICO$2.39B

GWRE$1.48B

Revenue Growth (YoY)

FICO24.1%

GWRE22.7%

Forward Rev Growth

FICO12.0%

GWRE15.7%

Gross Margin (TTM)

FICO85.1%

GWRE64.2%

Operating Margin (TTM)

FICO51.6%

GWRE10.2%

EBITDA Margin (TTM)

FICO52.8%

GWRE12.1%

Net Margin (TTM)

FICO34.1%

GWRE9.4%

FCF Margin (TTM)

FICO40.1%

GWRE24.3%

Net Income (TTM)

FICO$815M

GWRE$139M

FCF (TTM)

FICO$961M

GWRE$359M

EPS (TTM)

FICO$35.90

GWRE$1.66

ROE (TTM)

FICO145.7%

GWRE10.0%

ROA (TTM)

FICO41.8%

GWRE5.3%

ROIC (TTM)

FICO30.9%

GWRE6.7%

Cash

FICO$248M

GWRE$373M

Debt

FICO$5.58B

GWRE$678M

Net Cash/Debt

FICO$-5.33B

GWRE$-305M

Current Ratio (TTM)

FICO1.18x

GWRE1.79x

Quick Ratio (TTM)

FICO1.13x

GWRE1.67x

Debt/Equity (TTM)

FICO8.46x

GWRE0.57x

Debt/Assets (TTM)

FICO0.0%

GWRE0.0%

Interest Coverage (TTM)

FICON/A

GWREN/A

Net Debt/EBITDA (TTM)

FICO0.00x

GWRE0.00x

Beta

FICO1.40

GWRE1.03

52W Performance

FICO-60.6%

GWRE-27.5%

YTD Performance

FICO-59.4%

GWRE-10.8%

% from 52W High

FICO-64.1%

GWRE-34.6%

% from 52W Low

FICO13.9%

GWRE63.6%

Asset Turnover (TTM)

FICO1.23x

GWRE0.57x

FCF Yield (TTM)

FICO6.7%

GWRE2.6%

Earnings Yield (TTM)

FICO5.7%

GWRE1.0%

Dividend Yield (TTM)

FICON/A

GWREN/A

Rule of 40

FICO64.2

GWRE47.0

EV/GP/RG

FICO0.49

GWRE0.75

Ticker research

View FICO research View GWRE research

Metric	FICO Fair Isaac Corp	GWRE Guidewire Software Inc
Market & Valuation
Market Cap	$14.42B	$13.93B
Enterprise Value	$19.75B	$14.24B
Price	$667.58	$167.32
P/E Ratio	18.60x	100.65x
P/S Ratio	6.02x	9.44x
EV/Sales	8.25x	9.65x
EV/EBITDA	15.59x	75.12x
P/B Ratio	114.40x	10.45x
P/FCF Ratio	15.01x	38.84x
EV/FCF	20.56x	39.69x
PEG Ratio	0.54x	0.92x
Forward P/E (NTM)	13.11x	37.76x
Forward P/S (NTM)	5.03x	7.95x
Revenue & Growth
Revenue (TTM)	$2.39B	$1.48B
Revenue Growth (YoY)	24.1%	22.7%
Forward Rev Growth	12.0%	15.7%
Profitability
Gross Margin (TTM)	85.1%	64.2%
Operating Margin (TTM)	51.6%	10.2%
EBITDA Margin (TTM)	52.8%	12.1%
Net Margin (TTM)	34.1%	9.4%
FCF Margin (TTM)	40.1%	24.3%
Net Income (TTM)	$815M	$139M
FCF (TTM)	$961M	$359M
EPS (TTM)	$35.90	$1.66
ROE (TTM)	145.7%	10.0%
ROA (TTM)	41.8%	5.3%
ROIC (TTM)	30.9%	6.7%
Financial Health
Cash	$248M	$373M
Debt	$5.58B	$678M
Net Cash/Debt	$-5.33B	$-305M
Current Ratio (TTM)	1.18x	1.79x
Quick Ratio (TTM)	1.13x	1.67x
Debt/Equity (TTM)	8.46x	0.57x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.40	1.03
52W Performance	-60.6%	-27.5%
YTD Performance	-59.4%	-10.8%
% from 52W High	-64.1%	-34.6%
% from 52W Low	13.9%	63.6%
Efficiency & Yields
Asset Turnover (TTM)	1.23x	0.57x
FCF Yield (TTM)	6.7%	2.6%
Earnings Yield (TTM)	5.7%	1.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	64.2	47.0
EV/GP/RG	0.49	0.75
Ticker research	View FICO research	View GWRE research

Valuation

P/E Ratio

FICO

18.60x

GWRE

100.65x

P/S Ratio

FICO

6.02x

GWRE

9.44x

EV/FCF

FICO

20.56x

GWRE

39.69x

Growth & revenue

Revenue Growth TTM

FICO

24.1%

GWRE

22.7%

Forward Revenue Growth

GWRE

15.7%

FICO

12.0%

Profitability & performance

Gross Margin

FICO

85.1%

GWRE

64.2%

ROE

FICO

145.7%

GWRE

10.0%

FCF Yield %

FICO

6.7%

GWRE

2.6%

52-Week Performance

GWRE

-27.5%

FICO

-60.6%

Detailed metrics comparison

FICO

Fair Isaac Corp

GWRE

Guidewire Software Inc

Market Cap

FICO$14.42B

GWRE$13.93B

Enterprise Value

FICO$19.75B

GWRE$14.24B

Price

FICO$667.58

GWRE$167.32

P/E Ratio

FICO18.60x

GWRE100.65x

P/S Ratio

FICO6.02x

GWRE9.44x

EV/Sales

FICO8.25x

GWRE9.65x

EV/EBITDA

FICO15.59x

GWRE75.12x

P/B Ratio

FICO114.40x

GWRE10.45x

P/FCF Ratio

FICO15.01x

GWRE38.84x

EV/FCF

FICO20.56x

GWRE39.69x

PEG Ratio

FICO0.54x

GWRE0.92x

Forward P/E (NTM)

FICO13.11x

GWRE37.76x

Forward P/S (NTM)

FICO5.03x

GWRE7.95x

Revenue (TTM)

FICO$2.39B

GWRE$1.48B

Revenue Growth (YoY)

FICO24.1%

GWRE22.7%

Forward Rev Growth

FICO12.0%

GWRE15.7%

Gross Margin (TTM)

FICO85.1%

GWRE64.2%

Operating Margin (TTM)

FICO51.6%

GWRE10.2%

EBITDA Margin (TTM)

FICO52.8%

GWRE12.1%

Net Margin (TTM)

FICO34.1%

GWRE9.4%

FCF Margin (TTM)

FICO40.1%

GWRE24.3%

Net Income (TTM)

FICO$815M

GWRE$139M

FCF (TTM)

FICO$961M

GWRE$359M

EPS (TTM)

FICO$35.90

GWRE$1.66

ROE (TTM)

FICO145.7%

GWRE10.0%

ROA (TTM)

FICO41.8%

GWRE5.3%

ROIC (TTM)

FICO30.9%

GWRE6.7%

Cash

FICO$248M

GWRE$373M

Debt

FICO$5.58B

GWRE$678M

Net Cash/Debt

FICO$-5.33B

GWRE$-305M

Current Ratio (TTM)

FICO1.18x

GWRE1.79x

Quick Ratio (TTM)

FICO1.13x

GWRE1.67x

Debt/Equity (TTM)

FICO8.46x

GWRE0.57x

Debt/Assets (TTM)

FICO0.0%

GWRE0.0%

Interest Coverage (TTM)

FICON/A

GWREN/A

Net Debt/EBITDA (TTM)

FICO0.00x

GWRE0.00x

Beta

FICO1.40

GWRE1.03

52W Performance

FICO-60.6%

GWRE-27.5%

YTD Performance

FICO-59.4%

GWRE-10.8%

% from 52W High

FICO-64.1%

GWRE-34.6%

% from 52W Low

FICO13.9%

GWRE63.6%

Asset Turnover (TTM)

FICO1.23x

GWRE0.57x

FCF Yield (TTM)

FICO6.7%

GWRE2.6%

Earnings Yield (TTM)

FICO5.7%

GWRE1.0%

Dividend Yield (TTM)

FICON/A

GWREN/A

Rule of 40

FICO64.2

GWRE47.0

EV/GP/RG

FICO0.49

GWRE0.75

Ticker research

View FICO research View GWRE research

Metric	FICO Fair Isaac Corp	GWRE Guidewire Software Inc
Market & Valuation
Market Cap	$14.42B	$13.93B
Enterprise Value	$19.75B	$14.24B
Price	$667.58	$167.32
P/E Ratio	18.60x	100.65x
P/S Ratio	6.02x	9.44x
EV/Sales	8.25x	9.65x
EV/EBITDA	15.59x	75.12x
P/B Ratio	114.40x	10.45x
P/FCF Ratio	15.01x	38.84x
EV/FCF	20.56x	39.69x
PEG Ratio	0.54x	0.92x
Forward P/E (NTM)	13.11x	37.76x
Forward P/S (NTM)	5.03x	7.95x
Revenue & Growth
Revenue (TTM)	$2.39B	$1.48B
Revenue Growth (YoY)	24.1%	22.7%
Forward Rev Growth	12.0%	15.7%
Profitability
Gross Margin (TTM)	85.1%	64.2%
Operating Margin (TTM)	51.6%	10.2%
EBITDA Margin (TTM)	52.8%	12.1%
Net Margin (TTM)	34.1%	9.4%
FCF Margin (TTM)	40.1%	24.3%
Net Income (TTM)	$815M	$139M
FCF (TTM)	$961M	$359M
EPS (TTM)	$35.90	$1.66
ROE (TTM)	145.7%	10.0%
ROA (TTM)	41.8%	5.3%
ROIC (TTM)	30.9%	6.7%
Financial Health
Cash	$248M	$373M
Debt	$5.58B	$678M
Net Cash/Debt	$-5.33B	$-305M
Current Ratio (TTM)	1.18x	1.79x
Quick Ratio (TTM)	1.13x	1.67x
Debt/Equity (TTM)	8.46x	0.57x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.40	1.03
52W Performance	-60.6%	-27.5%
YTD Performance	-59.4%	-10.8%
% from 52W High	-64.1%	-34.6%
% from 52W Low	13.9%	63.6%
Efficiency & Yields
Asset Turnover (TTM)	1.23x	0.57x
FCF Yield (TTM)	6.7%	2.6%
Earnings Yield (TTM)	5.7%	1.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	64.2	47.0
EV/GP/RG	0.49	0.75
Ticker research	View FICO research	View GWRE research