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Fair Isaac Corporation (FICO) vs Unity Software Inc. (U)

Fair Isaac Corporation and Unity Software Inc. are both Software Application companies. Unity Software Inc. is the larger, with a market value of $21.5B against $15.3B — 1.4× the size. Unity Software Inc. has negative trailing earnings, so its P/E is not meaningful; Fair Isaac Corporation trades at 20.4×. Fair Isaac Corporation grew revenue faster over the last twelve months: 24.1% against 20.9%. Fair Isaac Corporation has the higher net margin (34.1% vs −15.6%) and the higher return on invested capital (62.5% vs −8.55%). Across the 20 metrics below, Fair Isaac Corporation leads on 15 and Unity Software Inc. on 5.

Valuation

Metric FICO U Software Application median
P/E 20.42 n/m 25.90
P/S 6.73 11.05 3.04
P/B n/m 7.40 2.60
Price to free cash flow 16.77 40.73 17.17
EV/EBITDA 17.13 591.56 15.48
EV/Sales 8.96 10.86 2.89
Earnings yield 4.90% (1.63%) 0.00%
Free cash flow yield 5.96% 2.45% 1.98%

Profitability

Metric FICO U Software Application median
Gross margin 85.10% 67.65% 66.89%
Operating margin 51.65% (17.87%) 0.00%
Net margin 34.05% (15.59%) 0.00%
Free cash flow margin 40.14% 27.84% 5.77%
Return on equity (29.67%) (10.52%) 0.00%
Return on assets 41.80% (4.95%) 0.00%
Return on invested capital 62.47% (8.55%) 0.00%

Growth

Metric FICO U Software Application median
Revenue growth (TTM) 24.09% 20.86% 12.27%
EPS growth (last fiscal year) 29.78% 42.86% 32.11%
Revenue growth, 5-year CAGR 8.99% 19.08% 14.34%
Net income growth, 5-year CAGR 22.49% 0.00% 0.00%

Health

Metric FICO U Software Application median
Debt to equity (1.36) 0.69 0.02
Current ratio 1.18 2.16 1.53
Net debt to EBITDA 3.11 (9.91) 0.09

Dividend

Metric FICO U Software Application median
Dividend yield — — 1.10%
Payout ratio — — 0.28

Size

Metric FICO U Software Application median
Market cap 15.28b 21.48b 487.58m

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