` Comparison: FICO vs APP - Alpha Spread

FICO
vs
APP

Over the past 12 months, FICO has underperformed APP, delivering a return of -25% compared to the APP's +27% growth.

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FICO
APP
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Valuation Comparison

FICO Intrinsic Value
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APP Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Fair Isaac Corp
NYSE:FICO
1 401.12 USD
Applovin Corp
NASDAQ:APP
429.95 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FICO, APP

FICO
APP
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Revenue
www.alphaspread.com
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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
Applovin Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
FICO, APP

FICO
APP
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Fair Isaac Corp
NYSE:FICO
Applovin Corp
NASDAQ:APP
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What is Free Cash Flow?

Gross Margin

FICO
82.9%
APP
87.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

Operating Margin

FICO
47.5%
APP
75.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

Net Margin

FICO
31.9%
APP
60.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

FCF Margin

FICO
34.8%
APP
73.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

ROE

FICO
-44.7%
APP
206.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

ROA

FICO
36.9%
APP
50.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

ROIC

FICO
48.2%
APP
84%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

ROCE

FICO
79.1%
APP
77.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Fair Isaac Corp
Applovin Corp

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FICO, APP

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Performance Gap
FICO, APP

Performance Gap Between FICO and APP
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Performance By Year
FICO, APP

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FICO
APP
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett