Stock comparison
Fair Isaac
PayPay
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
PAYP
PayPay
Market cap
$12.78B
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 | PAYP | Winner |
|---|---|---|---|
| Warren Buffett | 85A | 57D | FICO |
| Benjamin Graham | 88A | 66D | FICO |
| Philip Fisher | 85A | 53C | FICO |
| Peter Lynch | 70B | 91A | PAYP |
| Joel Greenblatt | 94C | 54D | FICO |
| Charlie Munger | 91A | 47D | FICO |
| Terry Smith | 95A | 47D | FICO |
Side-by-side metrics
| Metric | FICO | PAYP |
|---|---|---|
| Market cap | $28.75B | $12.78B |
| P/E (TTM) | 33.8x | 17.3x |
| EV/EBIT | 30.9x | 59.7x |
| ROIC (TTM) | 53.2% | 1.71% |
| Gross margin | 84.16% | 87.37% |
| Net margin | 33.67% | 32.17% |
| Revenue CAGR 5y | 10.89% | 21.69% |
| EPS CAGR 5y | 18.48% | - |
| Debt / Equity | - | 2.0x |
| 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 2.0x+185%
- ROIC (TTM)53.2%vs 1.71%+97%
- Market cap$28.75Bvs $12.78B+56%
- EV/EBIT30.9xvs 59.7x+48%
PAYP leads on
- Revenue CAGR 5y21.69%vs 10.89%+50%
- P/E (TTM)17.3xvs 33.8x+49%
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.