Fair Isaac (FICO) vs Guidewire Software (GWRE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Guidewire Software (GWRE) has outperformed Fair Isaac (FICO) over the past year, losing 29.3% versus a loss of 60.9%. Over five years, FICO leads with a +62.9% price change compared with +37.4% for GWRE. Fair Isaac is the larger company by market cap ($14.42 billion vs $13.72 billion), about 1.1 times the size, while Guidewire Software is growing revenue faster (+22.7% vs +15.9%).
On valuation, Fair Isaac trades at a lower forward P/E (13.3x vs 31.3x for Guidewire Software). Fair Isaac converts more of its revenue into profit, with a net margin of 32.7% versus 9.4%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FICO | GWRE |
|---|---|---|
| Share price | $667.58 | $167.32 |
| Market cap | $14.42B | $13.72B |
| 1-day change | -5.63% | +1.54% |
| YTD return | -60.51% | -16.76% |
| 1-year return | -60.93% | -29.26% |
| 5-year return | +62.90% | +37.37% |
| P/E ratio (TTM) | 19.33 | 100.80 |
| Forward P/E | 13.30 | 31.30 |
| EPS (TTM) | $34.54 | $1.66 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $1.99B | $1.48B |
| Revenue growth (YoY) | +15.91% | +22.70% |
| Net income (latest FY) | $651.95M | $139.28M |
| Gross margin | 82.23% | 64.21% |
| Operating margin | 46.45% | 10.16% |
| Net margin | 32.75% | 9.44% |
| 52-week high | $1,858.91 | $255.89 |
| 52-week low | $586.05 | $102.30 |
| Distance from 52-week high | -64.09% | -34.61% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +67.42% | +27.47% |
| Average volume | 588.33K | 1.37M |
| Shares outstanding | 21.60M | 81.99M |
| Employees | 3,876 | 4,174 |
| Sector | Consumer Discretionary | Technology |
| Industry | Business Services | Computer Software: Prepackaged Software |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- GWRE has outperformed FICO by 31.7 percentage points over the past year.
- Guidewire Software trades at a higher earnings multiple (100.8x vs 19.3x trailing P/E).
- Fair Isaac is more profitable, keeping 32.7 cents of every revenue dollar as net income versus 9.4 cents for Guidewire Software.
- Guidewire Software grew revenue faster in its latest fiscal year (+22.70% vs +15.91%).
- The two companies sit in different sectors: Fair Isaac in Consumer Discretionary and Guidewire Software in Technology.
About Fair Isaac
FICO stock →Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software.
Consumer Discretionary · Business Services · 3,876 employees
About Guidewire Software
GWRE stock →Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers the United States, Canada, other Americas, Europe, the Middle East, Africa, and Asia-Pacific.
Technology · Computer Software: Prepackaged Software · 4,174 employees
FICO vs GWRE FAQ
Which is bigger, Fair Isaac or Guidewire Software?
Fair Isaac (FICO) is larger, with a market capitalization of $14.42B compared with $13.72B for Guidewire Software (GWRE).
Which stock has performed better over the past year, FICO or GWRE?
GWRE returned -29.26% over the past 12 months, compared with -60.93% for FICO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FICO or GWRE?
FICO has the lower trailing P/E at 19.3, versus 100.8 for GWRE. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Fair Isaac and Guidewire Software in the same industry?
No. Fair Isaac is in the Consumer Discretionary sector, while Guidewire Software is in Technology.