Stock comparison
Fair Isaac
Paymentus Holdings
Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.
FICO
Fair Isaac
Market cap
$28.75B
Sector
Technology
PAY
Paymentus Holdings
Market cap
$2.94B
Sector
Technology
Overall winner
Fair Isaac FICO
Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.
Fit scores by strategy
| Strategy | FICO | PAY | Winner |
|---|---|---|---|
| Warren Buffett | 85A | 41D | FICO |
| Benjamin Graham | 88A | 68D | FICO |
| Philip Fisher | 85A | 61C | FICO |
| Peter Lynch | 70B | 53C | FICO |
| Joel Greenblatt | 94C | 50C | FICO |
| Charlie Munger | 91A | 38D | FICO |
| Terry Smith | 95A | 43D | FICO |
Side-by-side metrics
| Metric | FICO | PAY |
|---|---|---|
| Market cap | $28.75B | $2.94B |
| P/E (TTM) | 33.8x | 45.3x |
| EV/EBIT | 30.9x | 39.8x |
| ROIC (TTM) | 53.2% | 11.15% |
| Gross margin | 84.16% | 24.74% |
| Net margin | 33.67% | 5.79% |
| Revenue CAGR 5y | 10.89% | 31.88% |
| EPS CAGR 5y | 18.48% | 72.4% |
| Debt / Equity | - | 0.0x |
| Dividend yield | 0.0% | 0.0% |
Where each one wins
The metrics with the biggest gap between the two - sorted so the most decisive edges read first.
FICO leads on
- Debt / Equity-vs 0.0x+101%
- Market cap$28.75Bvs $2.94B+90%
- Net margin33.67%vs 5.79%+83%
- ROIC (TTM)53.2%vs 11.15%+79%
PAY leads on
- EPS CAGR 5y72.4%vs 18.48%+74%
- Revenue CAGR 5y31.88%vs 10.89%+66%
Related on invest-like
Key terms in this analysis
Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.