BLDR vs. FICO

Last updated Jun 9, 2026

BLDR (Builders FirstSource, Inc.) and FICO (Fair Isaac Corporation) are both stocks. BLDR operates in Building Products & Equipment (Industrials), while FICO operates in Software - Application (Technology). Over the past 10 years, BLDR returned 20.07%/yr vs 26.67%/yr for FICO. At a 0.38 correlation, their price movements are largely independent.

Performance

BLDR vs. FICO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Builders FirstSource, Inc. (BLDR) and Fair Isaac Corporation (FICO). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with BLDR having a -28.93% return and FICO slightly higher at -28.59%. Over the past 10 years, BLDR has underperformed FICO with an annualized return of 20.07%, while FICO has yielded a comparatively higher 26.67% annualized return.

BLDR

• 1D: -0.71%
• 1M: -5.53%
• YTD: -28.93%
• 6M: -31.96%
• 1Y: -34.50%
• 3Y*: -15.71%
• 5Y*: 10.81%
• 10Y*: 20.07%

FICO

• 1D: 6.16%
• 1M: 7.22%
• YTD: -28.59%
• 6M: -31.42%
• 1Y: -31.98%
• 3Y*: 15.94%
• 5Y*: 19.71%
• 10Y*: 26.67%

*Multi-year figures are annualized to reflect compound growth (CAGR)

BLDR vs. FICO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
BLDR Builders FirstSource, Inc.	-28.93%	-28.01%	-14.38%	157.31%	-24.30%	110.02%	60.61%	132.91%	-49.93%	98.63%
FICO Fair Isaac Corporation	-28.59%	-15.08%	71.04%	94.46%	38.03%	-15.14%	36.39%	100.36%	22.06%	28.52%

Correlation

The correlation between BLDR and FICO is 0.17, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.17
Correlation (3Y) Calculated over the trailing 3-year period	0.32
Correlation (5Y) Calculated over the trailing 5-year period	0.36
Correlation (10Y) Calculated over the trailing 10-year period	0.37
Correlation (All Time) Calculated using the full available price history since Jun 29, 2005	0.38

Over the past year, the correlation between BLDR and FICO has dropped to 0.17 - well below their long-term average of 0.38, suggesting their price drivers have been diverging.

Fundamentals

Market Cap BLDR : $8.03B FICO : $28.67B
EPS BLDR : $2.63 FICO : $31.51
PE Ratio BLDR : 27.77 FICO : 38.32
PS Ratio BLDR : 0.55 FICO : 12.90
Total Revenue (TTM) BLDR : $14.82B FICO : $2.26B
Gross Profit (TTM) BLDR : $4.43B FICO : $1.90B
EBITDA (TTM) BLDR : $1.06B FICO : $1.16B

Return for Risk

BLDR vs. FICO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

BLDR

BLDR Risk / Return Rank: 14
BLDR Sharpe Ratio Rank: 11
BLDR Sortino Ratio Rank: 12
BLDR Omega Ratio Rank: 15
BLDR Calmar Ratio Rank: 19
BLDR Martin Ratio Rank: 15

FICO

FICO Risk / Return Rank: 17
FICO Sharpe Ratio Rank: 15
FICO Sortino Ratio Rank: 17
FICO Omega Ratio Rank: 16
FICO Calmar Ratio Rank: 19
FICO Martin Ratio Rank: 16

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BLDR vs. FICO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Builders FirstSource, Inc. (BLDR) and Fair Isaac Corporation (FICO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	BLDR	FICO	Difference
Sharpe ratio: Return per unit of total volatility	-0.72	-0.63	-0.09
Sortino ratio: Return per unit of downside risk	-1.01	-0.69	-0.33
Omega ratio: Gain probability vs. loss probability	0.90	0.91	-0.01
Calmar ratio: Return relative to maximum drawdown	-0.62	-0.62	-0.01
Martin ratio: Return relative to average drawdown	-1.21	-1.18	-0.02
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

BLDR vs. FICO - Sharpe Ratio Comparison

The current BLDR Sharpe Ratio is -0.72, which is comparable to the FICO Sharpe Ratio of -0.63. The chart below compares the historical Sharpe Ratios of BLDR and FICO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	BLDR	FICO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.72	-0.63	-0.09
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.24	0.49	-0.25
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.42	0.70	-0.28
Sharpe Ratio (All Time) Calculated using the full available price history	0.11	0.49	-0.38

Drawdowns

BLDR vs. FICO - Drawdown Comparison

The maximum BLDR drawdown since its inception was -96.78%, which is greater than FICO's maximum drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for BLDR and FICO.

Drawdown Indicators

	BLDR	FICO	Difference
Max Drawdown Largest peak-to-trough decline	-96.78%	-79.26%	-17.52%
Max Drawdown (1Y) Largest decline over 1 year	-55.51%	-52.12%	-3.39%
Max Drawdown (3Y) Largest decline over 3 years	-68.55%	-61.28%	-7.27%
Max Drawdown (5Y) Largest decline over 5 years	-68.55%	-61.28%	-7.27%
Max Drawdown (10Y) Largest decline over 10 years	-68.55%	-61.28%	-7.27%
Current Drawdown Current decline from peak	-65.37%	-49.32%	-16.05%
Average Drawdown Average peak-to-trough decline	-47.87%	-18.02%	-29.85%
Ulcer Index Depth and duration of drawdowns from previous peaks	28.59%	27.06%	+1.53%

Volatility

BLDR vs. FICO - Volatility Comparison

The current volatility for Builders FirstSource, Inc. (BLDR) is 13.13%, while Fair Isaac Corporation (FICO) has a volatility of 14.53%. This indicates that BLDR experiences smaller price fluctuations and is considered to be less risky than FICO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	BLDR	FICO	Difference
Volatility (1M) Calculated over the trailing 1-month period	13.13%	14.53%	-1.40%
Volatility (6M) Calculated over the trailing 6-month period	33.98%	39.17%	-5.19%
Volatility (1Y) Calculated over the trailing 1-year period	47.94%	50.75%	-2.81%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	45.20%	40.72%	+4.48%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	47.71%	38.08%	+9.63%

Dividends

BLDR vs. FICO - Dividend Comparison

Neither BLDR nor FICO has paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BLDR Builders FirstSource, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FICO Fair Isaac Corporation	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.07%	0.08%

Financials

BLDR vs. FICO - Profitability Comparison

The chart below illustrates the profitability comparison between Builders FirstSource, Inc. and Fair Isaac Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

BLDR - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Builders FirstSource, Inc. reported a gross profit of 928.97M and revenue of 3.29B. Therefore, the gross margin over that period was 28.3%.

FICO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Fair Isaac Corporation reported a gross profit of 600.48M and revenue of 691.68M. Therefore, the gross margin over that period was 86.8%.

BLDR - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Builders FirstSource, Inc. reported an operating income of 16.52M and revenue of 3.29B, resulting in an operating margin of 0.5%.

FICO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Fair Isaac Corporation reported an operating income of 402.47M and revenue of 691.68M, resulting in an operating margin of 58.2%.

BLDR - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Builders FirstSource, Inc. reported a net income of -47.41M and revenue of 3.29B, resulting in a net margin of -1.4%.

FICO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Fair Isaac Corporation reported a net income of 264.46M and revenue of 691.68M, resulting in a net margin of 38.2%.

Frequently Asked Questions

Can I hold both BLDR and FICO in my portfolio?

BLDR and FICO have a correlation of 0.17, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, BLDR or FICO?

FICO has higher volatility (14.53%) compared to BLDR (13.13%). In terms of maximum drawdown, BLDR dropped -96.78% vs FICO's -79.26%.

Which has better risk-adjusted returns?

FICO currently has the higher Sharpe Ratio (-0.63 vs -0.72), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.