` Comparison: FICO, 0K45 - Alpha Spread

FICO
vs
N
0K45

Over the past 12 months, FICO has significantly outperformed 0K45, delivering a return of -13% compared to the 0K45's 33% drop.

Valuation Growth Profitability Solvency Stocks Performance
Start AI Comparison

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
FICO
0K45
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Smart Verdict is Ready!
See Who Stands Out.
All the numbers, charts, and metrics summarized into one smart verdict.
Stocks Compared:
FICO 0K45
Show Comparison Results
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

FICO Intrinsic Value
HIDDEN
Show
0K45 Intrinsic Value
HIDDEN
Show
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Fair Isaac Corp
NYSE:FICO
1 792.13 USD
N
NCR Corp
LSE:0K45
10.01 USD
No Stocks Selected

Compare the stock's valuation with its competitors.

Select Stocks to Compare
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FICO, 0K45

FICO
0K45
Add Stock
Revenue
www.alphaspread.com
No Stocks Selected

Compare company's financials with its competitors.

Select Stocks to Compare
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Fair Isaac Corp
Revenue
N
NCR Corp
Revenue

All metrics are calculated based on data from the last 10 years.

No Stocks Selected

Compare company's financials with its competitors.

Select Stocks to Compare

Profitability Comparison

Free Cash Flow
FICO, 0K45

FICO
0K45
Add Stock
Free Cash Flow
www.alphaspread.com
No Stocks Selected

Compare company's free cash flow with its competitors.

Select Stocks to Compare
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Fair Isaac Corp
NYSE:FICO
N
NCR Corp
LSE:0K45
No Stocks Selected

Compare company's free cash flow with its competitors.

Select Stocks to Compare
What is Free Cash Flow?

Gross Margin

FICO
82.2%
0K45
22.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

Operating Margin

FICO
47%
0K45
4.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

Net Margin

FICO
32.8%
0K45
-2.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

FCF Margin

FICO
37.1%
0K45
-22.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

ROE

FICO
-48.1%
0K45
-5.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

ROA

FICO
36.4%
0K45
-1.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

ROIC

FICO
49.1%
0K45
2.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

ROCE

FICO
79.4%
0K45
4%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
N
NCR Corp

Solvency Comparison

No Stocks Selected

Compare company's equity waterfall with its competitors.

Select Stocks to Compare
Balance Sheet Comparison
No Stocks Selected

Compare company's balance sheet with its competitors.

Select Stocks to Compare

Stocks Performance

Stocks Performance
FICO, 0K45

Loading
FICO
0K45
Add Stock
www.alphaspread.com
1Y 3Y 5Y 10Y 15Y 20Y
No Stocks Selected

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

Performance Gap
FICO, 0K45

Performance Gap Between FICO and 0K45
HIDDEN
Show

Performance By Year
FICO, 0K45

Loading
FICO
0K45
Add Stock
No Stocks Selected

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare FICO to other stocks
Unlock Full Access to Alpha Spread
Create Free Account
ALPHA SPREAD
Follow us
Join more than 303,500+ value investors using Alpha Spread
Create Free Account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2025 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.