Fair Isaac (FICO) vs Tyler Technologies (TYL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Tyler Technologies (TYL) has outperformed Fair Isaac (FICO) over the past year, losing 31.6% versus a loss of 63.7%. Over five years, FICO leads with a +66.4% price change compared with -34.0% for TYL. Fair Isaac is the larger company by market cap ($14.72 billion vs $13.61 billion), about 1.1 times the size.
On valuation, Fair Isaac trades at a lower forward P/E (13.6x vs 21.6x for Tyler Technologies). Fair Isaac converts more of its revenue into profit, with a net margin of 32.7% versus 13.5%.
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 | TYL |
|---|---|---|
| Share price | $681.77 | $332.34 |
| Market cap | $14.72B | $13.61B |
| 1-day change | -1.97% | +0.43% |
| YTD return | -59.67% | -26.79% |
| 1-year return | -63.73% | -31.58% |
| 5-year return | +66.37% | -34.00% |
| P/E ratio (TTM) | 19.74 | 43.73 |
| Forward P/E | 13.58 | 21.65 |
| EPS (TTM) | $34.54 | $7.60 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $1.99B | $2.33B |
| Revenue growth (YoY) | +15.91% | +9.10% |
| Net income (latest FY) | $651.95M | $315.60M |
| Gross margin | 82.23% | 46.46% |
| Operating margin | 46.45% | 15.34% |
| Net margin | 32.75% | 13.53% |
| 52-week high | $1,858.91 | $524.43 |
| 52-week low | $586.05 | $270.71 |
| Distance from 52-week high | -63.32% | -36.63% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +63.94% | +27.81% |
| Average volume | 567.27K | 820.68K |
| Shares outstanding | 21.60M | 40.95M |
| Employees | 3,876 | 7,879 |
| 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
- TYL has outperformed FICO by 32.1 percentage points over the past year.
- Tyler Technologies trades at a higher earnings multiple (43.7x vs 19.7x trailing P/E).
- Fair Isaac is more profitable, keeping 32.7 cents of every revenue dollar as net income versus 13.5 cents for Tyler Technologies.
- Fair Isaac grew revenue faster in its latest fiscal year (+15.91% vs +9.10%).
- The two companies sit in different sectors: Fair Isaac in Consumer Discretionary and Tyler Technologies 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 Tyler Technologies
TYL stock →Tyler Technologies, Inc. provides integrated software and technology management solutions for the public sector in the United States.
Technology · Computer Software: Prepackaged Software · 7,879 employees
FICO vs TYL FAQ
Which is bigger, Fair Isaac or Tyler Technologies?
Fair Isaac (FICO) is larger, with a market capitalization of $14.72B compared with $13.61B for Tyler Technologies (TYL).
Which stock has performed better over the past year, FICO or TYL?
TYL returned -31.58% over the past 12 months, compared with -63.73% for FICO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FICO or TYL?
FICO has the lower trailing P/E at 19.7, versus 43.7 for TYL. 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 Tyler Technologies in the same industry?
No. Fair Isaac is in the Consumer Discretionary sector, while Tyler Technologies is in Technology.