Verdict: Side-by-side breakdown using the Bull Rankings model. FICO scored 86.3, SRAD scored 47.2 — FICO leads.
Compare another set
Different reporting periods. FICO's fundamentals are as of June 2026, but SRAD's are as of December 2025 — a 6-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
FICO
Fair Isaac Corporation
Software - Application · Quality-Growth
86.3
$667.58 · $14.4B
fundamentals as of
Score gap
39.1
FICO leads
SRAD
Sportradar Group AG
Software - Application · Quality-Growth
47.2
$12.49 · $3.7B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
Fastest growthSRAD+16.6%
Highest qualityFICO91 / 100
Largest discount to fair valueFICO-1%
Side by side · every name on one set of axes
The model, pillar by pillar (0–100 each)
FICO
stronger →← stronger
SRAD
91
Qualityreturns · margins · balance sheet
73
87
Growthrevenue & earnings expansion
73
81
Valuevaluation vs sector peers
23
FICO is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
FICO
SRAD
$961mC+
FCF
$217mC
+15.9%B+
Rev
+16.6%B+
Negative equity
D/E
0.08B+
19.3xB+
P/E
—
0.67A-
PEG
—
—
P/S
2.4xA-
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
FICO
SRAD
1% below
Price vs fair valuelower is cheaper
28% above
~10%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~18%/yr
-13%
1-yr DCF upside
-33%
+1%
5-yr DCF upside
-22%
+25%
10-yr DCF upside
-3%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
FICO
Why this score
Buying back stock
Durable high returns
SRAD
Why this score
Foreign reporter (EUR)
The companies
FICOFair Isaac Corporation
Software - Application · $667.58 · beta 1.34
Why now
Software - Application · market cap $14.4b. Down 64% from 52-week high of $1858.91 — deep drawdown territory. Revenue growing +16%, comfortably above the S&P median. PEG 0.67 — paying under fair value for the growth rate. 19 sell-side analysts rate this a Buy with a mean 1-yr target of $1,113 (implying +67% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. FCF converts 118% of net income — earnings translate cleanly into cash. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Down 64% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
SRADSportradar Group AG
Software - Application · $12.49 · beta 1.59
Why now
Software - Application · market cap $3.7b. Down 55% from 52-week high of $27.85 — deep drawdown territory. Revenue growing +17%, comfortably above the S&P median. 22 sell-side analysts rate this a Buy with a mean 1-yr target of $18.09 (implying +45% upside).
Moat
ROE 10% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Free cash flow runs well ahead of reported net income, mostly because of depreciation and amortization ($434m) — non-cash charges that hold down reported earnings while cash generation stays strong. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Down 55% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 1.59 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where FICO and SRAD diverge
On the headline score the gap is 39.1 points in favor of FICO. The widest single difference is Value, where FICO leads by 58.3 points.
ValueFICO 81.3 · SRAD 23.0FICO +58.3
QualityFICO 91.1 · SRAD 73.1FICO +18.0
GrowthFICO 86.7 · SRAD 73.1FICO +13.6
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is FICO or SRAD the better stock?
FICO scores higher: FICO 86.3, SRAD 47.2 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do FICO and SRAD differ most?
The widest gap is value, where FICO leads by 58 points on the 0–100 pillar scale. FICO leads all three pillars, so the gap is broad rather than a single-measure difference.
How are FICO and SRAD scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.