DRI vs. FICO

Last updated Jun 9, 2026

DRI (Darden Restaurants, Inc.) and FICO (Fair Isaac Corporation) are both stocks. DRI operates in Restaurants (Consumer Cyclical), while FICO operates in Software - Application (Technology). Over the past 10 years, DRI returned 14.44%/yr vs 26.67%/yr for FICO. At a 0.27 correlation, their price movements are largely independent.

Performance

DRI vs. FICO - Performance Comparison

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

Returns By Period

In the year-to-date period, DRI achieves a 8.13% return, which is significantly higher than FICO's -28.59% return. Over the past 10 years, DRI has underperformed FICO with an annualized return of 14.44%, while FICO has yielded a comparatively higher 26.67% annualized return.

DRI

• 1D: -1.07%
• 1M: -0.12%
• YTD: 8.13%
• 6M: 10.61%
• 1Y: -7.14%
• 3Y*: 10.10%
• 5Y*: 10.73%
• 10Y*: 14.44%

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)

DRI vs. FICO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
DRI Darden Restaurants, Inc.	8.13%	1.56%	17.70%	22.83%	-4.84%	29.48%	10.45%	12.29%	6.89%	35.99%
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 DRI and FICO is 0.11, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.11
Correlation (3Y) Calculated over the trailing 3-year period	0.18
Correlation (5Y) Calculated over the trailing 5-year period	0.25
Correlation (10Y) Calculated over the trailing 10-year period	0.27
Correlation (All Time) Calculated using the full available price history since May 10, 1995	0.27

The correlation between DRI and FICO shifts across timeframes, from 0.11 (1 year) to 0.27 (all time), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap DRI : $22.87B FICO : $28.67B
EPS DRI : $9.45 FICO : $31.51
PE Ratio DRI : 20.74 FICO : 38.32
PEG Ratio DRI : 1.14 FICO : 2.04
PS Ratio DRI : 1.80 FICO : 12.90
Total Revenue (TTM) DRI : $12.76B FICO : $2.26B
Gross Profit (TTM) DRI : $7.34B FICO : $1.90B
EBITDA (TTM) DRI : $1.80B FICO : $1.16B

Return for Risk

DRI vs. FICO — Risk / Return Rank

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

DRI

DRI Risk / Return Rank: 29
DRI Sharpe Ratio Rank: 30
DRI Sortino Ratio Rank: 26
DRI Omega Ratio Rank: 26
DRI Calmar Ratio Rank: 32
DRI Martin Ratio Rank: 31

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.

DRI vs. FICO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Darden Restaurants, Inc. (DRI) 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.

	DRI	FICO	Difference
Sharpe ratio: Return per unit of total volatility	-0.29	-0.63	+0.35
Sortino ratio: Return per unit of downside risk	-0.24	-0.69	+0.45
Omega ratio: Gain probability vs. loss probability	0.97	0.91	+0.06
Calmar ratio: Return relative to maximum drawdown	-0.30	-0.62	+0.32
Martin ratio: Return relative to average drawdown	-0.60	-1.18	+0.58
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

DRI vs. FICO - Sharpe Ratio Comparison

The current DRI Sharpe Ratio is -0.29, which is higher than the FICO Sharpe Ratio of -0.63. The chart below compares the historical Sharpe Ratios of DRI 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

	DRI	FICO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.29	-0.63	+0.35
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.40	0.49	-0.09
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.40	0.70	-0.30
Sharpe Ratio (All Time) Calculated using the full available price history	0.41	0.49	-0.08

Drawdowns

DRI vs. FICO - Drawdown Comparison

The maximum DRI drawdown since its inception was -72.80%, smaller than the maximum FICO drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for DRI and FICO.

Drawdown Indicators

	DRI	FICO	Difference
Max Drawdown Largest peak-to-trough decline	-72.80%	-79.26%	+6.46%
Max Drawdown (1Y) Largest decline over 1 year	-23.92%	-52.12%	+28.20%
Max Drawdown (3Y) Largest decline over 3 years	-23.92%	-61.28%	+37.36%
Max Drawdown (5Y) Largest decline over 5 years	-28.38%	-61.28%	+32.90%
Max Drawdown (10Y) Largest decline over 10 years	-72.80%	-61.28%	-11.52%
Current Drawdown Current decline from peak	-10.53%	-49.32%	+38.79%
Average Drawdown Average peak-to-trough decline	-13.00%	-18.02%	+5.02%
Ulcer Index Depth and duration of drawdowns from previous peaks	11.84%	27.06%	-15.22%

Volatility

DRI vs. FICO - Volatility Comparison

The current volatility for Darden Restaurants, Inc. (DRI) is 7.13%, while Fair Isaac Corporation (FICO) has a volatility of 14.53%. This indicates that DRI 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

	DRI	FICO	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.13%	14.53%	-7.40%
Volatility (6M) Calculated over the trailing 6-month period	19.36%	39.17%	-19.81%
Volatility (1Y) Calculated over the trailing 1-year period	24.95%	50.75%	-25.80%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.26%	40.72%	-13.46%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	35.91%	38.08%	-2.17%

Dividends

DRI vs. FICO - Dividend Comparison

DRI's dividend yield for the trailing twelve months is around 3.06%, while FICO has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DRI Darden Restaurants, Inc.	3.06%	3.15%	2.90%	3.07%	3.34%	2.29%	0.99%	2.99%	2.76%	2.48%	2.92%	13.76%
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

DRI vs. FICO - Profitability Comparison

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

DRI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Darden Restaurants, Inc. reported a gross profit of 2.32B and revenue of 3.35B. Therefore, the gross margin over that period was 69.3%.

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%.

DRI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Darden Restaurants, Inc. reported an operating income of 406.40M and revenue of 3.35B, resulting in an operating margin of 12.2%.

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%.

DRI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Darden Restaurants, Inc. reported a net income of 306.80M and revenue of 3.35B, resulting in a net margin of 9.2%.

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 DRI and FICO in my portfolio?

DRI and FICO have a correlation of 0.11, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, DRI or FICO?

FICO has higher volatility (14.53%) compared to DRI (7.13%). In terms of maximum drawdown, DRI dropped -72.80% vs FICO's -79.26%.

Which has better risk-adjusted returns?

DRI currently has the higher Sharpe Ratio (-0.29 vs -0.63), 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.