FOA vs. FICO

Last updated Jun 4, 2026

FOA (Finance Of America Companies Inc.) and FICO (Fair Isaac Corporation) are both stocks. FOA operates in Credit Services (Financial Services), while FICO operates in Software - Application (Technology). Over the past 5 years, FOA returned -28.59%/yr vs 19.09%/yr for FICO. At a 0.16 correlation, their price movements are largely independent.

Performance

FOA vs. FICO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Finance Of America Companies Inc. (FOA) 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, FOA achieves a -21.15% return, which is significantly higher than FICO's -30.52% return.

FOA

• 1D: -1.19%
• 1M: -5.50%
• YTD: -21.15%
• 6M: -18.56%
• 1Y: -9.78%
• 3Y*: 8.13%
• 5Y*: -28.59%
• 10Y*: —

FICO

• 1D: -6.15%
• 1M: 10.82%
• YTD: -30.52%
• 6M: -33.35%
• 1Y: -32.55%
• 3Y*: 14.10%
• 5Y*: 19.09%
• 10Y*: 26.40%

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

FOA vs. FICO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
FOA Finance Of America Companies Inc.	-21.15%	-13.90%	155.64%	-13.39%	-68.01%	-61.83%	3.69%	3.56%
FICO Fair Isaac Corporation	-30.52%	-15.08%	71.04%	94.46%	38.03%	-15.14%	36.39%	36.02%

Correlation

The correlation between FOA and FICO is 0.22, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.22
Correlation (3Y) Calculated over the trailing 3-year period	0.18
Correlation (5Y) Calculated over the trailing 5-year period	0.19
Correlation (All Time) Calculated using the full available price history since Apr 22, 2019	0.16

Fundamentals

EPS FOA : $4.39 FICO : $31.51
PE Ratio FOA : 4.35 FICO : 37.28
PEG Ratio FOA : 0.03 FICO : 1.98
PS Ratio FOA : 0.11 FICO : 12.55
Total Revenue (TTM) FOA : $1.15B FICO : $2.26B
Gross Profit (TTM) FOA : $623.72M FICO : $1.90B
EBITDA (TTM) FOA : $1.78B FICO : $1.16B

Return for Risk

FOA vs. FICO — Risk / Return Rank

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

FOA

FOA Risk / Return Rank: 32
FOA Sharpe Ratio Rank: 32
FOA Sortino Ratio Rank: 31
FOA Omega Ratio Rank: 30
FOA Calmar Ratio Rank: 34
FOA Martin Ratio Rank: 33

FICO

FICO Risk / Return Rank: 15
FICO Sharpe Ratio Rank: 13
FICO Sortino Ratio Rank: 15
FICO Omega Ratio Rank: 15
FICO Calmar Ratio Rank: 18
FICO Martin Ratio Rank: 13

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.

FOA vs. FICO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Finance Of America Companies Inc. (FOA) 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.

	FOA	FICO	Difference
Sharpe ratio Return per unit of total volatility	-0.21	-0.65	+0.44
Sortino ratio Return per unit of downside risk	0.02	-0.72	+0.74
Omega ratio Gain probability vs. loss probability	1.00	0.90	+0.10
Calmar ratio Return relative to maximum drawdown	-0.22	-0.63	+0.41
Martin ratio Return relative to average drawdown	-0.42	-1.22	+0.80
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FOA vs. FICO - Sharpe Ratio Comparison

The current FOA Sharpe Ratio is -0.21, which is higher than the FICO Sharpe Ratio of -0.65. The chart below compares the historical Sharpe Ratios of FOA 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

	FOA	FICO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.21	-0.65	+0.44
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.37	0.47	-0.84
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.70	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.31	0.49	-0.80

Drawdowns

FOA vs. FICO - Drawdown Comparison

The maximum FOA drawdown since its inception was -96.13%, which is greater than FICO's maximum drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for FOA and FICO.

Drawdown Indicators

	FOA	FICO	Difference
Max Drawdown Largest peak-to-trough decline	-96.13%	-79.26%	-16.87%
Max Drawdown (1Y) Largest decline over 1 year	-45.07%	-52.12%	+7.05%
Max Drawdown (3Y) Largest decline over 3 years	-77.83%	-61.28%	-16.55%
Max Drawdown (5Y) Largest decline over 5 years	-95.62%	-61.28%	-34.34%
Max Drawdown (10Y) Largest decline over 10 years	—	-61.28%	—
Current Drawdown Current decline from peak	-83.57%	-50.69%	-32.88%
Average Drawdown Average peak-to-trough decline	-57.40%	-18.00%	-39.40%
Ulcer Index Depth and duration of drawdowns from previous peaks	23.56%	26.72%	-3.16%

Volatility

FOA vs. FICO - Volatility Comparison

Finance Of America Companies Inc. (FOA) and Fair Isaac Corporation (FICO) have volatilities of 13.40% and 14.02%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FOA	FICO	Difference
Volatility (1M) Calculated over the trailing 1-month period	13.40%	14.02%	-0.62%
Volatility (6M) Calculated over the trailing 6-month period	32.60%	38.62%	-6.02%
Volatility (1Y) Calculated over the trailing 1-year period	47.37%	50.22%	-2.85%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	77.46%	40.63%	+36.83%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	65.49%	38.02%	+27.47%

Dividends

FOA vs. FICO - Dividend Comparison

Neither FOA nor FICO has paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
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%
FOA Finance Of America Companies 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%

Financials

Frequently Asked Questions

Can I hold both FOA and FICO in my portfolio?

FOA and FICO have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FOA or FICO?

FICO has higher volatility (14.02%) compared to FOA (13.40%). In terms of maximum drawdown, FOA dropped -96.13% vs FICO's -79.26%.

Which has better risk-adjusted returns?

FOA currently has the higher Sharpe Ratio (-0.21 vs -0.65), 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.