Fair Isaac Corporation (NYSE: FICO) and AppFolio (NASDAQ:APPF) are both enterprise software companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, risk, institutional ownership, valuation, dividends and profitability.
Risk & Volatility
Fair Isaac Corporation has a beta of 1.26, suggesting that its stock price is 26% more volatile than the S&P 500. Comparatively, AppFolio has a beta of 0.7, suggesting that its stock price is 30% less volatile than the S&P 500.
Valuation & Earnings
This table compares Fair Isaac Corporation and AppFolio’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|Fair Isaac Corporation||$932.16 million||4.95||$128.25 million||$3.98||38.68|
|AppFolio||$105.59 million||13.46||-$8.28 million||$0.16||261.58|
Fair Isaac Corporation has higher revenue and earnings than AppFolio. Fair Isaac Corporation is trading at a lower price-to-earnings ratio than AppFolio, indicating that it is currently the more affordable of the two stocks.
This is a breakdown of recent recommendations for Fair Isaac Corporation and AppFolio, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Fair Isaac Corporation||0||1||1||0||2.50|
Fair Isaac Corporation currently has a consensus target price of $150.00, indicating a potential downside of 2.56%. AppFolio has a consensus target price of $40.50, indicating a potential downside of 3.23%. Given Fair Isaac Corporation’s stronger consensus rating and higher probable upside, equities analysts clearly believe Fair Isaac Corporation is more favorable than AppFolio.
Fair Isaac Corporation pays an annual dividend of $0.04 per share and has a dividend yield of 0.0%. AppFolio does not pay a dividend. Fair Isaac Corporation pays out 1.0% of its earnings in the form of a dividend.
Institutional & Insider Ownership
87.9% of Fair Isaac Corporation shares are owned by institutional investors. Comparatively, 22.5% of AppFolio shares are owned by institutional investors. 5.6% of Fair Isaac Corporation shares are owned by company insiders. Comparatively, 44.8% of AppFolio shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
This table compares Fair Isaac Corporation and AppFolio’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Fair Isaac Corporation||13.76%||30.03%||10.29%|
Fair Isaac Corporation beats AppFolio on 11 of the 15 factors compared between the two stocks.
Fair Isaac Corporation Company Profile
Fair Isaac Corporation (FICO) is a provider of analytic, software and data management products and services that enable businesses to automate and connect decisions. The Company operates through three segments: Applications, Scores and Decision Management Software. The Applications segment includes pre-configured decision management applications designed for a specific type of business problem or process, such as marketing, account origination, customer management, fraud, collections and insurance claims management. The Scores segment includes business-to-business scoring solutions and services, business-to-consumer scoring solutions and services, including myFICO solutions for consumers. The Decision Management Software segment consists of analytic and decision management software tools that clients can use to create their own custom decision management applications, its new FICO Decision Management Suite, as well as associated professional services.
AppFolio Company Profile
AppFolio, Inc. is a provider of industry-specific, cloud-based software solutions for small and medium-sized businesses (SMBs) in the property management and legal industries. The Company’s mobile-optimized software solutions enable its customers to work at any time and from anywhere across multiple devices. Its property management software provides small and medium-sized property managers with an end-to-end solution to their business needs. The Company’s legal software provides solo practitioners and small law firms with a streamlined practice and case management solution, allowing them to manage their practices and case load. It also offers Value+ services, such as its professionally designed Websites and electronic payment services. The Company’s property manager customers include third-party managers and owner-operators, managing single- and multi-family residences, commercial property and student housing, as well as mixed real estate portfolios.
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