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Stocks / FICO vs TWLO

FICO vs TWLO: Which Stock Is the Better Buy?

Fair Isaac Corporation and Twilio Inc. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Technology.

TWLO is the larger company ($31.6B vs $29.5B). On the fundamentals, TWLO grows revenue faster (23.5% vs 9.0%); FICO earns a higher net margin (32.7% vs 0.7%); TWLO has the stronger return on equity (0.4% vs -37.3%). Neither shows an obvious red flag in the filings. Full numbers below — the stronger figure on each row is in green.

AI verdict — FICO vs TWLO, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

 Fair Isaac Corporation (FICO)Twilio Inc. (TWLO)
Market cap$29.5B$31.6B
Revenue (latest FY)$1.99B$5.07B
Net income (latest FY)$651.95M$33.83M
Revenue growth (5y CAGR)9.0%23.5%
Net margin32.7%0.7%
Return on equity-37.3%0.4%
P/E ratio40.3315.5
Dividend yield
Profitable years (of last 10)101
Positive free cash flowYes
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See the full FICO vs TWLO breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open FICO's full financials →   Open TWLO's full financials →

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Frequently asked questions

Which is bigger, FICO or TWLO?

Twilio Inc. is larger by market capitalization — $31.6B versus $29.5B.

Which grows faster, FICO or TWLO?

Over the last five fiscal years, Twilio Inc. grew revenue faster — 23.5%/yr versus 9.0%/yr, computed from SEC-filed statements.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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FICO fundamentals → · TWLO fundamentals → · All 1,500+ companies → · Free screener →