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Stock Comparison · Industry comparison · Software - Application

Fair Isaac vs SAP: Which Stock Looks Stronger in 2026?

Fair Isaac holds the cleaner structural position, with growth as the main driver and stability adding further support. SAP SE still has the edge on stability, 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 (FICO: S&P 500, SAP.DE: STOXX 600).

Updated 2026-05-17

The comparison is mainly decided in growth, with the rest of the profile carrying less weight. Fair Isaac Corporation leads by 16 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. FICO and SAP.DE share the same industry classification.

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

Peer-Relative Score
FICO
Fair Isaac Corporation
64
Peer-Score
Signal qualitylow
Peer basis: S&P 500
vs
SAP.DE
SAP SE
48
Peer-Score
Signal qualitylow
Peer basis: STOXX 600

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

The largest gaps do not all point in the same direction.

Dimension spread: FICO vs SAP.DE Profitability 74 56 Stability 33 52 Valuation 53 58 Growth 95 21 FICO SAP.DE
Gap Ranking
#1 Growth +74
#2 Stability +19
#3 Profitability +18
#4 Valuation +5
Price Setup

Left means cheaper relative valuation. Higher means stronger structure.

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

Fair Isaac Corporation looks stronger, but the price setup still looks more supportive for SAP SE.

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

Entry today — historical context

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

BASED ON 5-YEAR HISTORY FICO Neutral · below norm 0th 50th 100th 2 pct gap SAP.DE Neutral · below norm 0th 50th 100th 53rd 55th
FICO (53rd percentile) and SAP.DE (55th percentile) both sit in the upper-middle of their own 5-year ranges. The historical entry context is broadly similar for both. This reflects entry timing, not which company is structurally stronger.

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; SAP SE sits in the weaker half.
Stability
On stability, SAP SE is positioned higher in the group, while Fair Isaac Corporation is closer to the middle.
Growth — Dominant Gap
FICO
95
SAP.DE
21
Gap+74in favour of FICO

Revenue growth reinforces the category-level growth lead.

What keeps the gap from being one-sided

SAP SE still carries lower volatility exposure — that difference is real enough to prevent the comparison from becoming one-sided.

What this means for the comparison

The growth edge is decisive, even though current pricing and stability still lean somewhat toward SAP SE.

Explore full peer positioning in AssetNext

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

Explore full breakdown →
Similar growth-driven comparisons

Explore how FICO and SAP.DE 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.