Compare Stocks › FICO vs GS
Fair Isaac Corporation (FICO) vs The Goldman Sachs Group, Inc. (GS)
FICO
Fair Isaac Corporation
$1113.16
VS
GS
The Goldman Sachs Group, Inc.
$809.50
Rewards
FICO
- ★Fair Isaac Corporation has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Gross margin of 82.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Fair Isaac Corporation scores 100/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
GS
- ★Gross margin of 82.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Share count has been reduced by 11% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $5.60 of market value — management is an exceptional capital allocator.
Risks
FICO
- ⚠FCF yield of 2.2% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠PEG ratio of 5.34 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
- ⚠18 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
GS
- ⚠The Goldman Sachs Group, Inc. scores only 26/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠High leverage (5.96x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Altman Z-Score of 0.25 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
Key Valuation Metrics
Learn more →FICO
GS
Valuation
$573.16M
Free Cash Flow
N/A
2.17%
FCF Yield
N/A
41.15
Trailing P/E
15.77
20.86
Forward P/E
12.45
Quality & Moat
23.18%
ROIC
2.06%
N/A
ROE
13.00%
82.86%
Gross Margin
82.88%
5.34
PEG Ratio
0.91
Balance Sheet Safety
N/A
Debt / Equity
5.96
N/A
Interest Coverage
N/A
3.04
Net Debt / EBITDA
N/A
N/A
Dividend Yield
2.22%
FICO: 1Ties: 2GS: 3
FICOGS
Historical Fundamentals
Learn more →FICO
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
GS
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →FICO
$15.76
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$1.59B
Δ Market Cap
+$25.12B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
GS
$5.60
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$26.00B
Δ Market Cap
+$145.60B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →FICO
34.2% Margin of Safety
Price is 34.2% below estimated fair value
Current Price: $1113.16
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $1691.04
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
GS
65.1% Margin of Safety
Price is 65.1% below estimated fair value
Current Price: $809.50
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $2319.70
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →FICO
What growth rate is the market pricing in at $1113?
+18.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +20.6%
The market implies +18.8% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +20.6%, reflecting ongoing growth investment.
GS
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →FICO
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
GS
26/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →FICO
-2.68
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
GS
-2.00
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →FICO
Insiders 2.7%Institutions 91.1%Retail & Other 6.1%
No. of Institutional Holders1,412
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
GS
Insiders 0.5%Institutions 75.7%Retail & Other 23.8%
No. of Institutional Holders3,730
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →FICO
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
GS
0
Buys (3M)
1
Buys (12M)
Total value (12M): $2.00M
HESS JOHN B JR.
Director
$2.00M
@ $511.68 · 2025-04-15
JOHNSON KEVIN RONALD
Director
$1.49M
@ $619.02 · 2025-01-17
FLAHERTY MARK A
Director
$29,545
@ $360.30 · 2024-09-27
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →FICO
1
Sells (3M)
18
Sells (12M)
Total value (12M): $88.27M
MANOLIS EVA
Director
$638,368
@ $1227.63 · 2026-02-25
WEBER STEVEN P.
Chief Financial Officer
$2.58M
@ $1810.00 · 2025-12-17
MANOLIS EVA
Director
$951,257
@ $1825.83 · 2025-12-12
MCMORRIS MARC F
Director
$434,287
@ $1809.53 · 2025-11-26
LANSING WILLIAM J
Chief Executive Officer
$8.06M
@ $1631.34 · 2025-10-14
LANSING WILLIAM J
Chief Executive Officer
$1.76M
@ $1650.17 · 2025-10-14
LANSING WILLIAM J
Chief Executive Officer
$9.24M
@ $1537.50 · 2025-09-09
LANSING WILLIAM J
Chief Executive Officer
$9.03M
@ $1501.84 · 2025-08-28
LANSING WILLIAM J
Chief Executive Officer
$5.97M
@ $1565.99 · 2025-07-08
LANSING WILLIAM J
Chief Executive Officer
$3.92M
@ $1780.48 · 2025-07-08
LANSING WILLIAM J
Chief Executive Officer
$10.62M
@ $1767.82 · 2025-06-10
WEBER STEVEN P.
Chief Financial Officer
$1.74M
@ $1738.25 · 2025-06-09
LANSING WILLIAM J
Chief Executive Officer
$11.64M
@ $2147.97 · 2025-05-13
LANSING WILLIAM J
Chief Executive Officer
$1.28M
@ $2170.34 · 2025-05-13
MCMORRIS MARC F
Director
$1.66M
@ $2087.50 · 2025-05-09
BOWERS THOMAS A
Officer
$8.39M
@ $2057.05 · 2025-05-02
LANSING WILLIAM J
Chief Executive Officer
$5.14M
@ $1683.35 · 2025-04-08
LANSING WILLIAM J
Chief Executive Officer
$5.21M
@ $1761.13 · 2025-04-08
LANSING WILLIAM J
Chief Executive Officer
$3.25M
@ $1694.38 · 2025-03-11
LANSING WILLIAM J
Chief Executive Officer
$7.07M
@ $1727.69 · 2025-03-11
LANSING WILLIAM J
Chief Executive Officer
$10.84M
@ $1804.23 · 2025-02-11
WEBER STEVEN P.
Chief Financial Officer
$273,054
@ $1964.42 · 2025-01-08
MCMORRIS MARC F
Director
$1.12M
@ $2152.57 · 2024-12-17
WEHMANN JAMES M.
Officer
$6.59M
@ $2195.19 · 2024-12-12
SCADINA MARK R
General Counsel
$2,390
@ $2390.00 · 2024-12-09
SCADINA MARK R
General Counsel
$6.16M
@ $2389.99 · 2024-12-06
WEHMANN JAMES M.
Officer
$8.31M
@ $2373.85 · 2024-12-05
WEHMANN JAMES M.
Officer
$8.12M
@ $2320.41 · 2024-11-21
REY DAVID A
Director
$10.95M
@ $2340.28 · 2024-11-11
STANSBURY HENRY TAYLOE
Director
$582,299
@ $2338.55 · 2024-11-11
BOWERS THOMAS A
Officer
$6.27M
@ $2338.21 · 2024-11-11
KELLY BRADEN R
Director
$9.10M
@ $2343.43 · 2024-11-11
REES JOANNA
Director
$6.93M
@ $1750.00 · 2024-09-05
MCMORRIS MARC F
Director
$2.59M
@ $1749.33 · 2024-08-13
BOWERS THOMAS A
Officer
$5.15M
@ $1715.27 · 2024-08-12
WEBER STEVEN P.
Chief Financial Officer
$3.12M
@ $1735.00 · 2024-08-09
SCADINA MARK R
General Counsel
$6.00M
@ $1714.18 · 2024-08-08
SCADINA MARK R
General Counsel
$6.93M
@ $1385.77 · 2024-06-14
SCADINA MARK R
General Counsel
$10.61M
@ $1372.58 · 2024-05-24
MCMORRIS MARC F
Director
$2.26M
@ $1413.20 · 2024-05-17
LANSING WILLIAM J
Chief Executive Officer
$9.12M
@ $1140.55 · 2024-04-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
GS
6
Sells (3M)
11
Sells (12M)
Total value (12M): $59.99M
COLEMAN DENIS P.
Chief Financial Officer
$10.94M
@ $941.57 · 2026-02-09
SOLOMON DAVID M
Chief Executive Officer
$255,387
@ $938.92 · 2026-01-29
HALIO CAREY
Officer
$2.64M
@ $927.17 · 2026-01-27
FREDMAN SHEARA J.
Officer
$4.49M
@ $923.75 · 2026-01-23
RUEMMLER KATHRYN H
General Counsel
$8.89M
@ $927.51 · 2026-01-23
HALIO CAREY
Officer
$1.62M
@ $920.62 · 2026-01-23
WALDRON JOHN E.
President
$13.69M
@ $750.30 · 2025-08-28
COLEMAN DENIS P.
Chief Financial Officer
$5.41M
@ $724.40 · 2025-07-25
ROGERS JOHN F W
Officer
$4.31M
@ $717.39 · 2025-07-23
SOLOMON DAVID M
Chief Executive Officer
$4.71M
@ $712.31 · 2025-07-23
SOLOMON DAVID M
Chief Executive Officer
$3.04M
@ $607.17 · 2025-05-14
SOLOMON DAVID M
Chief Executive Officer
$1.50M
@ $622.15 · 2025-02-26
GOLTEN ALEXANDER SIMON
Officer
$3.31M
@ $636.25 · 2025-01-28
HALIO CAREY
Officer and Treasurer
$2.32M
@ $636.74 · 2025-01-24
FREDMAN SHEARA J.
Officer
$1.28M
@ $627.01 · 2025-01-21
RUEMMLER KATHRYN H
General Counsel
$4.76M
@ $634.69 · 2025-01-21
HALIO CAREY
Officer
$965,120
@ $624.67 · 2025-01-21
VINIAR DAVID A
Director
$3.06M
@ $612.08 · 2024-11-29
SOLOMON DAVID M
Chief Executive Officer
$4.00M
@ $610.91 · 2024-11-29
FREDMAN SHEARA J.
Officer
$1.77M
@ $594.51 · 2024-11-06
COLEMAN DENIS P.
Chief Financial Officer
$7.67M
@ $593.03 · 2024-11-06
ROGERS JOHN F W
Officer
$3.83M
@ $596.36 · 2024-11-06
SOLOMON DAVID M
Chief Executive Officer
$3.00M
@ $500.29 · 2024-08-15
VINIAR DAVID A
Director
$2.51M
@ $502.43 · 2024-07-16
SOLOMON DAVID M
Chief Executive Officer
$3.02M
@ $457.32 · 2024-05-10
VINIAR DAVID A
Director
$2.16M
@ $432.25 · 2024-04-29
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →FICO
😨Fear(24/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
GS
😐Neutral(48/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →FICO
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (24)
GS
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (48)