TWLO vs FICO

Comparison between Twilio Inc Class A (TWLO, Company) and Fair Isaac Corp (FICO, Company).

Both TWLO and FICO are from the Technology sector.

5-Year PerformanceFICO has outperformed TWLO, delivering a return of +19.7% compared to -9.8%

TWLO vs FICO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	TWLO(COMPANY)	FICO(COMPANY)
Market Cap	$29B	$29B
Max Drawdown	90.36%	79.46%
Sharpe Ratio	1.08	-0.86
5Y Beta	1.32	0.96
Industry	Software - Infrastructure	Software - Application
P/E Ratio	170.34	38.40
Forward P/E	35.34	24.94
PEG Ratio	N/A	1.07
5Y Dividends CAGR	N/A	4.56%
5Y EPS CAGR	N/A	27.34%
Debt to Equity	12.75%	-173.15%
Free Cash Flow Yield	3.35%	3.14%

Market Cap

Winner

TWLO

$29B

FICO

$29B

Max Drawdown

TWLO

90.36%

Winner

FICO

79.46%

Sharpe Ratio

Winner

TWLO

1.08

FICO

-0.86

5Y Beta

TWLO

1.32

Winner

FICO

0.96

Industry

TWLO

Software - Infrastructure

FICO

Software - Application

P/E Ratio

TWLO

170.34

Winner

FICO

38.40

Forward P/E

TWLO

35.34

Winner

FICO

24.94

PEG Ratio

TWLO

N/A

FICO

1.07

5Y Dividends CAGR

TWLO

N/A

FICO

4.56%

5Y EPS CAGR

TWLO

N/A

FICO

27.34%

Debt to Equity

TWLO

12.75%

Winner

FICO

-173.15%

Free Cash Flow Yield

Winner

TWLO

3.35%

FICO

3.14%

TWLO vs FICO - Historical Returns

Returns include dividend reinvestment.

Period	TWLO	FICO
1 month	+30.02%	+15.86%
3 months	+67.34%	-8.77%
6 months	+59.26%	-28.39%
1 year	+61.05%	-39.22%
5 years(CAGR)	-9.76%	+19.71%
10 years(CAGR)	+20.94%	+27.67%
Max(CAGR)	+20.94%	+19.28%

Winner

TWLO

+30.02%

FICO

+15.86%

Winner

TWLO

+67.34%

FICO

-8.77%

Winner

TWLO

+59.26%

FICO

-28.39%

Winner

TWLO

+61.05%

FICO

-39.22%

5Y(CAGR)

TWLO

-9.76%

Winner

FICO

+19.71%

10Y(CAGR)

TWLO

+20.94%

Winner

FICO

+27.67%

Max(CAGR)

Winner

TWLO

+20.94%

FICO

+19.28%

TWLO vs FICO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	TWLO	FICO
2026	+36.84%	-25.03%
2025	+30.41%	-15.30%
2024	+51.95%	+76.01%
2023	+50.48%	+96.89%
2022	-81.33%	+35.08%
2021	-21.29%	-14.17%
2020	+228.16%	+33.46%
2019	+13.00%	+101.99%
2018	+255.78%	+21.91%
2017	-10.94%	+27.51%
2016	+0.21%	+28.20%
2015	N/A	+30.62%
2014	N/A	+17.58%
2013	N/A	+45.13%
2012	N/A	+15.02%
2011	N/A	+52.55%
2010	N/A	+8.32%
2009	N/A	+24.13%
2008	N/A	-46.15%
2007	N/A	-20.47%
2006	N/A	-10.02%
2005	N/A	+25.14%
2004	N/A	+13.49%
2003	N/A	+15.82%
2002	N/A	+3.59%
2001	N/A	+94.15%
2000	N/A	-3.14%
1999	N/A	+32.56%

TWLO vs FICO Drawdown Comparison

The maximum drawdown for TWLO was -90.36%, occurring on Nov 4, 2022. This drawdown has not yet recovered.

The maximum drawdown for FICO was -79.25%, occurring on Mar 5, 2009. Recovery took 1747 trading sessions.

The current TWLO drawdown is -57.31%. The current FICO drawdown is -48.29%.

Rank	TWLO	FICO
#1	-90.36% Feb 18, 2021 - Nov 4, 2022	-79.25% Nov 22, 2005 - Nov 1, 2012
#2	-66.41% Sep 28, 2016 - Aug 7, 2018	-61.28% Nov 26, 2024 - Apr 10, 2026
#3	-52.18% Jul 26, 2019 - May 7, 2020	-50.90% Feb 19, 2020 - Jul 29, 2020
#4	-27.05% Sep 25, 2018 - Nov 7, 2018	-45.79% Jul 16, 2001 - Jan 23, 2003
#5	-22.51% Aug 3, 2020 - Oct 2, 2020	-43.66% Nov 3, 2003 - Sep 12, 2005
#6	-21.81% Dec 12, 2018 - Jan 7, 2019	-38.24% Jul 23, 2021 - Nov 10, 2022
#7	-21.20% Oct 13, 2020 - Dec 11, 2020	-33.68% Dec 28, 1999 - Jan 29, 2001
#8	-21.10% Nov 7, 2018 - Dec 12, 2018	-28.55% Sep 14, 2018 - Feb 13, 2019
#9	-14.05% Jan 20, 2021 - Feb 4, 2021	-22.57% Sep 6, 2019 - Dec 20, 2019
#10	-12.52% May 16, 2019 - Jun 7, 2019	-19.01% Dec 30, 2013 - Jun 30, 2014
#11	-12.49% Aug 16, 2016 - Sep 21, 2016	-18.50% Dec 17, 2020 - Apr 15, 2021
#12	-11.79% Jul 15, 2016 - Aug 9, 2016	-17.03% Jul 16, 2015 - Feb 25, 2016
#13	-11.26% Dec 22, 2020 - Jan 12, 2021	-16.91% Jul 1, 2014 - Nov 7, 2014
#14	-10.03% Apr 30, 2019 - May 16, 2019	-16.79% Mar 7, 2024 - May 14, 2024
#15	-9.98% Mar 21, 2019 - Apr 29, 2019	-16.13% Sep 8, 2016 - Apr 25, 2017