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

FICO has the lower trailing P/E: FICO trades at 32.92 and TWLO at 298.34. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FICO or TWLO?

Over the past five years, TWLO grew revenue faster — FICO at a 12.03% CAGR versus TWLO at 21.69%.

Is FICO or TWLO more profitable?

FICO runs the higher net margin — FICO at 34.05% versus TWLO at 1.96%.

How have FICO and TWLO total returns compared?

Over the past 10 years, FICO delivered 24.57% and TWLO delivered 17.00% annualized total return. Past performance doesn't predict future results.

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

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 July 31, 2026. Differences are shown without an overall score or investment verdict.

FICO

Fair Isaac Corporation

$26.09B

$1,124.88TechnologyDelayed quote: Jul 31, 2026, 2:30 PM EDT

TWLO

Twilio Inc.

$29.79B

$196.26TechnologyDelayed quote: Jul 31, 2026, 2:30 PM EDT

Total return — FICO vs TWLO

growth of $100 · dividends reinvested · last 10y

FICO +924.2%TWLO +563.2%FICO compounded faster

FICO TWLO

FICO vs TWLO: by the numbers

•TWLO is the larger company ($29.79B vs $26.09B market cap).
•FICO trades at the lower trailing earnings multiple (32.92 vs 298.34 P/E), one valuation lens rather than an overall verdict.
•FICO converts more revenue to profit (34.05% vs 1.96% net margin).
•TWLO grew revenue faster over the past five years (21.69% vs 12.03% CAGR).

Metrics side by side

Valuation

Metric	FICO	TWLO
P/E ratio	32.92	298.34
Forward P/E	26.45	N/A
P/S ratio	10.81	5.68
P/B ratio	N/A	3.87
PEG ratio	1.89	N/A
EV / EBITDA	25.01	69.77
FCF yield	3.85%	3.28%

Profitability

Metric	FICO	TWLO
Gross margin	85.10%	48.69%
Operating margin	51.65%	4.89%
Net margin	34.05%	1.96%
ROE	-37.34%	1.34%
ROIC	52.96%	1.20%

Growth (annualized)

Metric	FICO	TWLO
Revenue CAGR (5Y)	12.03%	21.69%
EPS CAGR (5Y)	27.04%	N/A
FCF CAGR (5Y)	16.63%	N/A
Total return CAGR (5Y)	16.82%	-12.15%

Frequently asked

Which has the lower trailing P/E, FICO or TWLO?: FICO has the lower trailing P/E: FICO trades at 32.92 and TWLO at 298.34. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FICO or TWLO?: Over the past five years, TWLO grew revenue faster — FICO at a 12.03% CAGR versus TWLO at 21.69%.
Is FICO or TWLO more profitable?: FICO runs the higher net margin — FICO at 34.05% versus TWLO at 1.96%.
How have FICO and TWLO total returns compared?: Over the past 10 years, FICO delivered 24.57% and TWLO delivered 17.00% annualized total return. 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 Highest 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 July 31, 2026.