Is FICO or TWLO cheaper?

On trailing earnings, FICO is cheaper: FICO trades at a 37.43 P/E and TWLO at 315.63.

Which has grown faster, FICO or TWLO?

Over the past five years, TWLO grew revenue faster — FICO at a 11.12% CAGR versus TWLO at 21.69%.

Is FICO or TWLO more profitable?

FICO runs the higher net margin — FICO at 33.67% versus TWLO at 1.96%.

Which has been the better investment, FICO or TWLO?

Over the past 5-year, FICO delivered the higher annualized total return — FICO at 26.61% versus TWLO at -9.65%. Past performance doesn't predict future results.

Fair Isaac Corporation (FICO) vs Twilio Inc. (TWLO)

FICO leads on 8 of 11 compared metrics.

A side-by-side comparison of Fair Isaac Corporation and Twilio Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 16, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

FICO

Fair Isaac Corporation

Total return — FICO vs TWLO

growth of $100 · last 10y

FICO +957.8%TWLO +601.6%FICO compounded faster

FICO TWLO

FICO vs TWLO: by the numbers

•TWLO is the larger company ($30.66B vs $27.25B market cap).
•FICO trades at the lower earnings multiple (37.43 vs 315.63 P/E).
•FICO converts more revenue to profit (33.67% vs 1.96% net margin).
•TWLO grew revenue faster over the past five years (21.69% vs 11.12% CAGR).

Which is better, FICO or TWLO?

Metric tally: FICO 8 · TWLO 3

It depends on what you're optimizing for:

ValueFICO(lower P/E)

GrowthTWLO(faster 5Y revenue CAGR)

QualityFICO(higher ROIC)

Metrics side by side

Valuation

Metric	FICO	TWLO
P/E ratio	37.43●	315.63
Forward P/E	21.79	—
P/S ratio	12.44	6.01●
P/B ratio	—	4.09
PEG ratio	1.89	—
EV / EBITDA	27.09●	104.23
FCF yield	3.18%●	3.10%

Profitability

Metric	FICO	TWLO
Gross margin	84.16%●	48.69%
Operating margin	50.37%●	4.89%
Net margin	33.67%●	1.96%
ROE	-37.34%	1.34%●
ROIC	52.96%●	1.20%

Growth (annualized)

Metric	FICO	TWLO
Revenue CAGR (5Y)	11.12%	21.69%●
EPS CAGR (5Y)	27.04%	—
FCF CAGR (5Y)	14.11%	—
Total return CAGR (5Y)	19.01%●	-9.65%

Frequently asked

Which is better, FICO or TWLO?: It depends on your goal. value: FICO (lower P/E); growth: TWLO (faster 5Y revenue CAGR); quality: FICO (higher ROIC). Across all compared metrics, FICO leads 8 to 3.
Is FICO or TWLO cheaper?: On trailing earnings, FICO is cheaper: FICO trades at a 37.43 P/E and TWLO at 315.63.
Which has grown faster, FICO or TWLO?: Over the past five years, TWLO grew revenue faster — FICO at a 11.12% CAGR versus TWLO at 21.69%.
Is FICO or TWLO more profitable?: FICO runs the higher net margin — FICO at 33.67% versus TWLO at 1.96%.
Which has been the better investment, FICO or TWLO?: Over the past 5-year, FICO delivered the higher annualized total return — FICO at 26.61% versus TWLO at -9.65%. Past performance doesn't predict future results.

Go deeper

Full FICO analysis Full TWLO analysis Interactive comparison tool

Dig into the metrics

Fair Isaac P/E ratio Twilio P/E ratio Fair Isaac dividend yield Twilio dividend yield Fair Isaac ROE Twilio ROE Fair Isaac operating margin Twilio operating margin Fair Isaac revenue growth Twilio revenue growth Fair Isaac free cash flow Twilio free cash flow

Fair Isaac & Twilio appear in these rankings

Fastest Revenue Growth Stocks Highest ROIC Stocks Highest Operating Margin Stocks Best 10-Year Total Return 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 June 16, 2026.