Fair Isaac Corporation (FICO) vs PTC Inc. (PTC)

Fair Isaac Corporation and PTC Inc. are both Software Application companies. PTC Inc. is the larger, with a market value of $21.1B against $15.3B — 1.4× the size. Fair Isaac Corporation trades at the lower P/E: 19.1× against 22.0×. Fair Isaac Corporation grew revenue faster over the last twelve months: 27.3% against −0.21%. PTC Inc. has the higher net margin (37.8% vs 32.9%) and the lower return on invested capital (11.7% vs 67.7%). Across the 21 metrics below, Fair Isaac Corporation leads on 15 and PTC Inc. on 6.

Valuation

Metric FICO PTC Software Application median
P/E 19.11 21.97 26.44
P/S 5.90 7.77 2.90
P/B n/m 6.12 2.60
Price to free cash flow 14.46 24.47 17.04
EV/EBITDA 15.59 18.10 15.48
EV/Sales 7.89 8.28 3.00
Earnings yield 5.23% 4.55% 0.20%
Free cash flow yield 6.92% 4.09% 1.96%

Profitability

Metric FICO PTC Software Application median
Gross margin 86.13% 83.29% 67.34%
Operating margin 49.93% 32.78% 0.00%
Net margin 32.94% 37.80% 0.00%
Free cash flow margin 40.81% 31.93% 5.77%
Return on equity (29.72%) 0.00% 0.00%
Return on assets 42.35% 15.50% 0.00%
Return on invested capital 67.71% 11.69% 0.00%

Growth

Metric FICO PTC Software Application median
Revenue growth (TTM) 27.32% (0.21%) 12.12%
EPS growth (last fiscal year) 36.86% 45.43% 32.44%
Revenue growth, 5-year CAGR 14.00% 8.63% 14.34%
Net income growth, 5-year CAGR 16.32% 16.72% 0.00%

Health

Metric FICO PTC Software Application median
Debt to equity (1.36) 0.47 0.04
Current ratio 0.99 1.63 1.53
Net debt to EBITDA 3.93 1.34 0.09

Dividend

Metric FICO PTC Software Application median
Dividend yield — — 1.07%
Payout ratio — — 0.28

Size

Metric FICO PTC Software Application median
Market cap 15.28b 21.14b 383.88m

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