Which has the lower trailing P/E, FICO or TOST?

FICO has the lower trailing P/E: FICO trades at 30.32 and TOST at 45.76. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FICO or TOST?

Over the past five years, TOST grew revenue faster — FICO at a 12.03% CAGR versus TOST at 41.80%.

Is FICO or TOST more profitable?

FICO runs the higher net margin — FICO at 34.05% versus TOST at 7.14%.

Fair Isaac Corporation (FICO) vs Toast, Inc. (TOST)

A side-by-side comparison of Fair Isaac Corporation and Toast, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 11, 2026. Differences are shown without an overall score or investment verdict.

FICO

Fair Isaac Corporation

$22.16B

$1,025.81TechnologyDelayed quote: Aug 11, 2026, 12:19 PM EDT

TOST

Toast, Inc.

$20.71B

$35.72TechnologyDelayed quote: Aug 11, 2026, 12:19 PM EDT

Total return — FICO vs TOST

growth of $100 · dividends reinvested · last 5y

FICO +141.7% (+19.3%/yr)TOST -42.9% (-10.6%/yr)FICO compounded faster over this window

FICO TOST

FICO vs TOST: by the numbers

•FICO is the larger company ($22.16B vs $20.71B market cap).
•FICO trades at the lower trailing earnings multiple (30.32 vs 45.76 P/E), one valuation lens rather than an overall verdict.
•FICO converts more revenue to profit (34.05% vs 7.14% net margin).
•TOST grew revenue faster over the past five years (41.80% vs 12.03% CAGR).

Metrics side by side

Valuation

Metric	FICO	TOST
P/E ratio	30.32	45.76
Forward P/E	24.34	25.80
P/S ratio	9.96	3.09
P/B ratio	N/A	10.30
EV / EBITDA	23.30	41.15
FCF yield	4.18%	2.74%

Profitability

Metric	FICO	TOST
Gross margin	85.10%	26.68%
Operating margin	51.65%	6.39%
Net margin	34.05%	7.14%
ROE	-37.34%	23.77%
ROIC	52.96%	13.85%

Growth (annualized)

Metric	FICO	TOST
Revenue CAGR (5Y)	12.03%	41.80%
EPS CAGR (5Y)	27.04%	N/A
FCF CAGR (5Y)	16.63%	119.83%
Total return CAGR (5Y)	17.97%	N/A

Frequently asked

Which has the lower trailing P/E, FICO or TOST?: FICO has the lower trailing P/E: FICO trades at 30.32 and TOST at 45.76. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FICO or TOST?: Over the past five years, TOST grew revenue faster — FICO at a 12.03% CAGR versus TOST at 41.80%.
Is FICO or TOST more profitable?: FICO runs the higher net margin — FICO at 34.05% versus TOST at 7.14%.

Go deeper

Full FICO analysis Full TOST analysis Interactive comparison tool

Dig into the metrics

Fair Isaac P/E ratio Toast P/E ratio Fair Isaac ROE Toast ROE Fair Isaac operating margin Toast operating margin Fair Isaac revenue growth Toast revenue growth Fair Isaac free cash flow Toast free cash flow

Fair Isaac & Toast appear in these rankings

Fastest Revenue Growth Stocks Highest ROIC Stocks Highest Operating Margin Stocks Highest FCF Yield Stocks

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 August 11, 2026.