Fair Isaac Corporation (FICO) vs Microsoft Corporation (MSFT)
A side-by-side comparison of Fair Isaac Corporation and Microsoft Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 11, 2026. Differences are shown without an overall score or investment verdict.
FICO
Fair Isaac Corporation
$985.39TechnologyDelayed quote: Sep 11, 2026, 4:00 PM EDT
MSFT
Microsoft Corporation
$495.63TechnologyDelayed quote: Sep 11, 2026, 4:00 PM EDT
Total return — FICO vs MSFT
growth of $100 · dividends reinvested · last 10yFICO +642.4% (+22.2%/yr)MSFT +874.1% (+25.6%/yr)MSFT compounded faster over this window
FICO MSFT
FICO vs MSFT: by the numbers
- •MSFT is the larger company ($3.68T vs $21.28B market cap).
- •MSFT trades at the lower trailing earnings multiple (27.61 vs 28.46 P/E), one valuation lens rather than an overall verdict.
- •MSFT converts more revenue to profit (40.31% vs 34.05% net margin).
- •MSFT grew revenue faster over the past five years (14.57% vs 12.03% CAGR).
- •MSFT pays a dividend (0.74% yield), while FICO is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | FICO | MSFT |
|---|---|---|
| P/E ratio | 28.46 | 27.61 |
| Forward P/E | 22.95 | 25.13 |
| P/S ratio | 8.89 | 11.09 |
| P/B ratio | N/A | 8.32 |
| EV / EBITDA | 21.26 | 19.55 |
| FCF yield | 4.68% | 1.82% |
Profitability
| Metric | FICO | MSFT |
|---|---|---|
| Gross margin | 85.10% | 67.94% |
| Operating margin | 51.65% | 46.78% |
| Net margin | 34.05% | 40.31% |
| ROE | N/A | 30.23% |
| ROIC | 59.42% | 20.90% |
Dividends
| Metric | FICO | MSFT |
|---|---|---|
| Dividend yield | N/A | 0.74% |
| Payout ratio | N/A | 20.28% |
Growth (annualized)
| Metric | FICO | MSFT |
|---|---|---|
| Revenue CAGR (5Y) | 12.03% | 14.57% |
| EPS CAGR (5Y) | 27.04% | 17.26% |
| FCF CAGR (5Y) | 16.63% | 3.60% |
| Total return CAGR (5Y) | 16.31% | 11.66% |
Frequently asked
- Which has the lower trailing P/E, FICO or MSFT?
- MSFT has the lower trailing P/E: FICO trades at 28.46 and MSFT at 27.61. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FICO or MSFT?
- Over the past five years, MSFT grew revenue faster — FICO at a 12.03% CAGR versus MSFT at 14.57%.
- Does FICO or MSFT pay a bigger dividend?
- MSFT pays a dividend (0.74% yield), while FICO is a former payer with no current dividend run rate.
- Is FICO or MSFT more profitable?
- MSFT runs the higher net margin — FICO at 34.05% versus MSFT at 40.31%.
- How have FICO and MSFT total returns compared?
- Over the past 10 years, FICO delivered 22.28% and MSFT delivered 25.72% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Fair Isaac P/E ratioMicrosoft P/E ratioMicrosoft dividend yieldFair Isaac ROEMicrosoft ROEFair Isaac operating marginMicrosoft operating marginFair Isaac revenue growthMicrosoft revenue growthFair Isaac free cash flowMicrosoft free cash flow
Fair Isaac & Microsoft appear in these rankings
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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified September 11, 2026.