COMP <GO>
FICO vs CART // EV/EBITDA & P/E VALUATION
Fair Isaac Corporation (NYSE) VS. Maplebear Inc. (NASDAQ) • 15-METRIC TALLY: FICO 10
— CART 2
▲ EV/EBITDA & P/E VALUATION LEADER: FICO
LAST: $711.23 (+0.29%) • MKT CAP: $15.32B
valuation
19.3x
LAST: $56.45 (-1.16%) • MKT CAP: $13.55B
valuation
24.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FICO VS. CART)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FICO | CART | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 82.20% | 73.70% | +8.50 | FICO | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 59.60% | 17.20% | +42.40 | FICO | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 19.3x | 24.2x | -4.90 | FICO | /valuation <GO> |
| Free Cash Flow Yield | 5.03% | 6.71% | -1.68 | CART | /fcf-yield <GO> |
| Operating Margin | 46.50% | 13.30% | +33.20 | FICO | /operating-margins <GO> |
| Net Profit Margin | 32.70% | 11.90% | +20.80 | FICO | /net-margins <GO> |
| Revenue Growth (YoY) | 15.90% | 10.80% | +5.10 | FICO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 8.75 | 8.52 | +0.23 | FICO | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.4 | 65.7 | -25.30 | CART | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.05 | 1.02 | +0.03 | FICO | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.7x | 28.2x | -8.50 | FICO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $15.32B | $13.55B | $1.76B | FICO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FICO REV | CART REV | FICO GROSS % | CART GROSS % | FICO FCF | CART FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.99B | $3.74B | 82.2% | 73.7% | $769.9M | $910.0M |
| FY 2024 | $1.72B | $3.38B | 79.7% | 75.3% | $624.1M | $623.0M |
| FY 2023 | $1.51B | $3.04B | — | — | $400.8M | $449.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FICO // BETA 1.05
CART // BETA 1.02