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STOCK COMPARISON

Fair Isaac vs SAP: Fair Value & Quality

Both stocks run through our valuation models. Here is how Fair Isaac (FICO) and SAP (SAP) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees SAP as the less overvalued of the two: Fair Isaac trades at $1,032 versus a fair value of $400 (-61%), while SAP trades at €171 versus €126 (-27%).
Fair Isaac
FICO · USD · Information Technology
-61%
upside to fair value
overvalued
Price$1,032
Fair Value$400
Quality68/100
SAP
SAP.XETRA · EUR · Information Technology
-27%
upside to fair value
overvalued
Price€171
Fair Value€126
Quality67/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Fair IsaacSAP
Valuation
38.3×P/E (TTM)22.1×
12.45×P/S (TTM)4.97×
P/B4.15×
26.3×EV/EBITDA15.7×
0.89×PEG1.37×
Dividend yield1.8%
Dividend per share€2.50
Profitability
34%Net margin20%
58%Operating margin30%
36%Return on equity16%
37%Return on assets9%
Growth
39%Revenue growth (YoY)6%
13.1%Avg. growth/yr (3Y)6.0%
9.0%Avg. growth/yr (5Y)6.1%
Balance & size
Debt / equity0.09×
$28BMarket cap$186B
healthyGrowth qualityhealthy

Fair Isaac leads: 8 to 3 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Fair Isaacof which business quality 83 · market factors 21 SAPof which business quality 78 · market factors 38
ProfitabilityMargins and returns on capital today
95
62
Quality GrowthAre margins and returns improving?
82
76
CashflowEarnings quality: real cash, not paper profit
87
80
Fin. StrengthBalance sheet, leverage, solvency risk
61
79
InvestmentDisciplined investing over empire-building
78
94
Low VolatilityCalm price path (market factor)
26
61
MomentumPrice trend over the last 3–12 months (market factor)
25
36
52W MomentumDistance to the 52-week high (market factor)
10
16
Net IssuanceBuybacks instead of dilution
100
84

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Fair Isaac

DCF Models$520
Earnings-Based$281
Dividend Discount$309
Multiples$418
Growth DCF$412
Economic Profit$295
Growth Earnings$472

23 of 23 models see the stock below the current price.

SAP

DCF Models€134
Earnings-Based€60.32
Dividend Discount€41.03
Multiples€116
Asset-Based€25.68
Growth DCF€116
Economic Profit€69.81
Growth Earnings€116

26 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Fair Isaac
Bear $268Fair Value $400Bull $532
$1,032 = current price (white tick)
SAP
Bear €89.01Fair Value €126Bull €157
€171 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Fair Isaac · Information Technology

Quality score68 · Top 25%
Fair value upside-61% · below median

SAP · Information Technology

Quality score67 · Top 25%
Fair value upside-27% · above median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees SAP as the less overvalued of the two: Fair Isaac trades at $1,032 versus a fair value of $400 (-61%), while SAP trades at €171 versus €126 (-27%).

Fair Isaac has the higher quality score (68/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.