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Stock Comparison · Industry comparison · Software - Application

ATOSS Software vs Fair Isaac: Which Stock Looks Stronger in 2026?

Fair Isaac holds the cleaner structural position, with growth as the main driver and profitability adding further support. ATOSS Software SE still has the edge on valuation, which keeps the comparison from looking entirely one-sided. Both sides have seen trend damage — neither carries a clear market edge right now. With both trends damaged, the structural comparison carries most of the weight here.

The comparison is based on similar long-term financial trajectories, not sector labels. Peer scores are normalised within each company's primary universe (AOF.DE: HDAX, FICO: S&P 500).

Updated 2026-07-05

The comparison is mainly decided in growth, with the rest of the profile carrying less weight. Fair Isaac Corporation leads by 11 points on the overall comparison score.

INDUSTRY COMPARISON

Both operate in: Software - Application

This comparison is based on industry proximity, not on functional trajectory similarity. AOF.DE and FICO share the same industry classification.

For a similarity-based comparison, see how ATOSS Software SE and Fair Isaac each position within their functional peer groups in AssetNext.

Peer-Relative Score
AOF.DE
ATOSS Software SE
54
Peer-Score
Signal qualitylow
Peer basis: HDAX
vs
FICO
Fair Isaac Corporation
65
Peer-Score
Signal qualitylow
Peer basis: S&P 500

Scores reflect position relative to comparable companies with similar long-term financial trajectories.

Score differences across key dimensions.

Dimension spread: AOF.DE vs FICO Profitability 63 79 Stability 48 41 Valuation 59 49 Growth 36 92 AOF.DE FICO
Gap Ranking
#1 Growth +56
#2 Profitability +16
#3 Valuation +10
#4 Stability +7
Price Setup

Left means cheaper relative valuation. Higher means stronger structure.

Price setup map for AOF.DE and FICO Stronger + cheaper Stronger + richer Weaker + cheaper Weaker + richer AOF.DEFICO Relative valuation Structural strength

The price setup looks more supportive for Fair Isaac Corporation, but ATOSS Software SE still has the stronger structure.

Valuation position uses peer-relative PE percentile (idx_pct_pe) where available.

Entry today — historical context

Where AOF.DE and FICO each sit in their own 5-year price and valuation history.

BASED ON 5-YEAR HISTORY AOF.DE Lower · below norm 0th 50th 100th 44 pct gap FICO Neutral · below norm 0th 50th 100th 16th 61st
Today AOF.DE sits in the lower portion of its own 5-year history (16th percentile), while FICO sits higher in its own history (61st). Within each stock's own 5-year context, AOF.DE is at a historically more favourable entry position than FICO. This reflects entry timing, not which company is structurally stronger — peer-relative analysis is a separate question addressed above.

Describes historical entry positioning only. Descriptive — not investment advice.

Relative Position vs Comparable Companies
Growth
Fair Isaac Corporation ranks near the top of the group on growth; ATOSS Software SE sits in the weaker half.
Profitability
On profitability, the edge still sits with Fair Isaac Corporation, even though both profiles look solid.
Growth — Dominant Gap
AOF.DE
36
FICO
92
Gap+56in favour of FICO

Revenue growth reinforces the category-level growth lead.

What keeps the gap from being one-sided

Absolute pricing still looks more supportive for ATOSS Software SE, with a forward P/E that is 4.2 turns lower there.

What this means for the comparison

Growth is the clearest driver of the lead, with profitability adding further support — though valuation still provides a real counterweight.

Explore full peer positioning in AssetNext

Break down the AOF.DE vs FICO comparison across all dimensions with the full interactive tool.

Explore full breakdown →
Similar growth-driven comparisons

Explore how AOF.DE and FICO each compare against other companies in their peer groups.

Rule-based, descriptive analysis only. Derived from peer percentile dimensions. Not investment advice. Peer groups are determined algorithmically based on structural similarity — not by sector classification alone.

How AssetNext Peer Scores Work

AssetNext scores reflect each company's structural position within its functional peer group — not a ranking against all stocks simultaneously. Peers are identified by similarity across eight financial dimensions, including revenue growth trajectory, margin structure, capital intensity, and earnings stability. A score of 75 means the company ranks in the top quartile within its own peer group, not the entire market.

Four dimension scores drive the overall peer score: Growth (revenue trajectory and expansion dynamics), Quality (margin structure and capital efficiency), Valuation (peer-relative pricing on standard multiples), and Stability (earnings consistency and financial predictability). Each dimension is scored 0–100 relative to the peer group, then combined into an overall peer score using equal weighting.

Because scores are peer-relative, the same company can have slightly different scores in different index universes. On comparison pages, both companies are shown within their shared peer universe wherever possible — so the scores are directly comparable. The peer basis is stated on each score card.

Scores are recalculated periodically as underlying financial data is updated. All analysis is descriptive and rule-based — AssetNext describes structural realities and never issues buy, sell or hold recommendations.