FICO vs SPY
Comparison between Fair Isaac Corp (FICO, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).
5-Year PerformanceFICO has outperformed SPY, delivering a return of +17.8% compared to +13.3%
FICO vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Market Cap / Net Assets
FICO
$25B
Winner
SPY
$652B
Expense Ratio
FICO
N/A
SPY
0.09%
Max Drawdown
FICO
79.46%
Winner
SPY
56.47%
Sharpe Ratio
FICO
-0.95
Winner
SPY
2.07
5Y Beta
Winner
FICO
0.96
SPY
1.00
Industry
FICO
Software - Application
SPY
N/A
P/E Ratio
FICO
33.26
Winner
SPY
28.24
Forward P/E
FICO
23.64
Winner
SPY
21.85
PEG Ratio
FICO
0.93
SPY
N/A
5Y Dividends CAGR
FICO
4.56%
Winner
SPY
5.43%
5Y EPS CAGR
Winner
FICO
27.34%
SPY
25.79%
Debt to Equity
Winner
FICO
-173.15%
SPY
22.35%
Free Cash Flow Yield
FICO
3.62%
SPY
N/A
P/S Ratio
FICO
10.97
Winner
SPY
3.55
P/B Ratio
FICO
82.33
Winner
SPY
5.29
FICO vs SPY - Historical Returns
Returns include dividend reinvestment.
1M
FICO
+3.15%
Winner
SPY
+9.11%
3M
FICO
-17.94%
Winner
SPY
+6.59%
6M
FICO
-35.26%
Winner
SPY
+10.56%
1Y
FICO
-46.51%
Winner
SPY
+32.04%
5Y(CAGR)
Winner
FICO
+17.81%
SPY
+13.35%
10Y(CAGR)
Winner
FICO
+26.48%
SPY
+15.49%
Max(CAGR)
Winner
FICO
+18.91%
SPY
+8.50%
FICO vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | FICO | SPY |
|---|---|---|
| 2026 | -31.45% | +8.27% |
| 2025 | -15.30% | +18.00% |
| 2024 | +76.01% | +25.59% |
| 2023 | +96.89% | +26.72% |
| 2022 | +35.08% | -18.64% |
| 2021 | -14.17% | +30.52% |
| 2020 | +33.46% | +17.28% |
| 2019 | +101.99% | +31.09% |
| 2018 | +21.91% | -5.24% |
| 2017 | +27.51% | +20.78% |
| 2016 | +28.20% | +13.59% |
| 2015 | +30.62% | +1.31% |
| 2014 | +17.58% | +14.56% |
| 2013 | +45.13% | +29.00% |
| 2012 | +15.02% | +14.17% |
| 2011 | +52.55% | +0.85% |
| 2010 | +8.32% | +13.14% |
| 2009 | +24.13% | +22.67% |
| 2008 | -46.15% | -36.25% |
| 2007 | -20.47% | +5.32% |
| 2006 | -10.02% | +13.85% |
| 2005 | +25.14% | +5.32% |
| 2004 | +13.49% | +10.75% |
| 2003 | +15.82% | +24.18% |
| 2002 | +3.59% | -22.42% |
| 2001 | +94.15% | -10.13% |
| 2000 | -3.14% | -8.84% |
| 1999 | +32.56% | +8.61% |
FICO vs SPY Drawdown Comparison
The maximum drawdown for FICO was -79.25%, occurring on Mar 5, 2009. Recovery took 1747 trading sessions.
The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.
The current FICO drawdown is -52.72%.
| Rank | FICO | SPY |
|---|---|---|
| #1 | -79.25% Nov 22, 2005 - Nov 1, 2012 | -55.20% Oct 9, 2007 - Aug 16, 2012 |
| #2 | -61.28% Nov 26, 2024 - Apr 10, 2026 | -47.50% Mar 24, 2000 - Oct 26, 2006 |
| #3 | -50.90% Feb 19, 2020 - Jul 29, 2020 | -33.70% Feb 19, 2020 - Aug 10, 2020 |
| #4 | -45.79% Jul 16, 2001 - Jan 23, 2003 | -24.50% Jan 3, 2022 - Dec 13, 2023 |
| #5 | -43.66% Nov 3, 2003 - Sep 12, 2005 | -19.34% Sep 20, 2018 - Apr 12, 2019 |
| #6 | -38.24% Jul 23, 2021 - Nov 10, 2022 | -18.76% Feb 19, 2025 - Jun 26, 2025 |
| #7 | -33.68% Dec 28, 1999 - Jan 29, 2001 | -13.02% Jul 20, 2015 - Apr 18, 2016 |
| #8 | -28.55% Sep 14, 2018 - Feb 13, 2019 | -10.10% Jan 26, 2018 - Aug 6, 2018 |
| #9 | -22.57% Sep 6, 2019 - Dec 20, 2019 | -9.44% Sep 2, 2020 - Nov 11, 2020 |
| #10 | -19.01% Dec 30, 2013 - Jun 30, 2014 | -9.30% Jan 19, 2000 - Mar 17, 2000 |
| #11 | -18.50% Dec 17, 2020 - Apr 15, 2021 | -9.05% Jul 19, 2007 - Oct 5, 2007 |
| #12 | -17.03% Jul 16, 2015 - Feb 25, 2016 | -8.88% Jan 27, 2026 - Apr 14, 2026 |
| #13 | -16.91% Jul 1, 2014 - Nov 7, 2014 | -8.41% Jul 16, 2024 - Sep 19, 2024 |
| #14 | -16.79% Mar 7, 2024 - May 14, 2024 | -7.35% Sep 14, 2012 - Jan 2, 2013 |
| #15 | -16.13% Sep 8, 2016 - Apr 25, 2017 | -7.27% Sep 18, 2014 - Oct 31, 2014 |
Correlation
Correlation between FICO and SPY is 0.91 which considered as a very strong positive correlation - the stocks move almost identically together.
0.91
-101
Dividend Comparison (1999 - 2026)
FICO vs SPY dividend yield comparison.
| Year | FICO | SPY |
|---|---|---|
| 2026 | 0.00% | 0.24% |
| 2025 | 0.00% | 1.07% |
| 2024 | 0.00% | 1.21% |
| 2023 | 0.00% | 1.40% |
| 2022 | 0.00% | 1.65% |
| 2021 | 0.00% | 1.20% |
| 2020 | 0.00% | 1.52% |
| 2019 | 0.00% | 1.75% |
| 2018 | 0.00% | 2.04% |
| 2017 | 0.01% | 1.80% |
| 2016 | 0.07% | 2.03% |
| 2015 | 0.08% | 2.06% |
| 2014 | 0.11% | 1.87% |
| 2013 | 0.13% | 1.81% |
| 2012 | 0.19% | 2.18% |
| 2011 | 0.22% | 2.05% |
| 2010 | 0.34% | 1.80% |
| 2009 | 0.38% | 1.95% |
| 2008 | 0.47% | 3.02% |
| 2007 | 0.25% | 1.85% |
| 2006 | 0.20% | 1.73% |
| 2005 | 0.18% | 1.73% |
| 2004 | 0.20% | 1.82% |
| 2003 | 0.16% | 1.47% |
| 2002 | 0.17% | 1.70% |
| 2001 | 0.11% | 1.25% |
| 2000 | 0.16% | 1.15% |
| 1999 | 0.04% | 0.24% |
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