GWRE vs. FICO
GWRE (Guidewire Software, Inc.) and FICO (Fair Isaac Corporation) are both stocks. Both operate in the Software - Application industry within the Technology sector. Over the past 10 years, GWRE returned 9.59%/yr vs 24.21%/yr for FICO. Their 0.49 correlation means their historical movements had little consistent relationship.
Performance
GWRE vs. FICO - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, GWRE achieves a -24.41% return, which is significantly higher than FICO's -33.58% return. Over the past 10 years, GWRE has underperformed FICO with an annualized return of 9.59%, while FICO has yielded a comparatively higher 24.21% annualized return.
GWRE
- 1D
- -0.83%
- 1M
- 12.99%
- 6M
- 7.94%
- YTD
- -24.41%
- 1Y
- -31.83%
- 3Y*
- 20.67%
- 5Y*
- 5.69%
- 10Y*
- 9.59%
- ALL TIME*
- 16.41%
FICO
- 1D
- -1.45%
- 1M
- -11.63%
- 6M
- -23.25%
- YTD
- -33.58%
- 1Y
- -18.69%
- 3Y*
- 10.62%
- 5Y*
- 16.47%
- 10Y*
- 24.21%
- ALL TIME*
- 20.11%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $482.91M | $385.62M | $388.77M | |
| $184.10M | $187.99M | $221.77M |
GWRE vs. FICO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GWRE Guidewire Software, Inc. | -24.41% | 19.24% | 54.60% | 74.30% | -44.90% | -11.81% | 17.27% | 36.82% | 8.04% | 50.54% |
FICO Fair Isaac Corporation | -33.58% | -15.08% | 71.04% | 94.46% | 38.03% | -15.14% | 36.39% | 100.36% | 22.06% | 28.52% |
Correlation
The correlation between GWRE and FICO is 0.45, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.45 |
Correlation (3Y) Balances recent behavior with more history. | 0.43 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.47 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.52 |
Correlation (All Time) Calculated using the full available price history since Jan 25, 2012 | 0.49 |
The correlation between GWRE and FICO has been stable across timeframes, ranging from 0.43 to 0.52 - a consistent structural relationship.
Fundamentals
GWRE:
$12.65B
FICO:
$24.25B
GWRE:
$1.85
FICO:
$34.47
GWRE:
81.98
FICO:
32.58
GWRE:
1.09
FICO:
1.73
GWRE:
9.22
FICO:
11.09
GWRE:
$1.42B
FICO:
$2.39B
GWRE:
$909.50M
FICO:
$2.04B
GWRE:
$120.35M
FICO:
$1.25B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
GWRE vs. FICO — Risk / Return Rank
GWRE
FICO
GWRE vs. FICO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Guidewire Software, Inc. (GWRE) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| GWRE | FICO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.18 | ||
| Sortino ratioReturn per unit of downside risk | -0.40 | ||
| Omega ratioGain probability vs. loss probability | 0.92 | 0.96 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | -0.54 | -0.43 | -0.11 |
| Martin ratioReturn relative to average drawdown | -0.91 | -0.81 | -0.10 |
Loading charts...
Drawdowns
GWRE vs. FICO - Drawdown Comparison
The maximum GWRE drawdown since its inception was -60.79%, smaller than the maximum FICO drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for GWRE and FICO.
Loading charts...
Drawdown Indicators
| GWRE | FICO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.79% | -79.26% | +18.47% |
Max Drawdown (1Y)Largest decline over 1 year | -60.79% | -50.93% | -9.86% |
Max Drawdown (3Y)Largest decline over 3 years | -60.79% | -61.28% | +0.49% |
Max Drawdown (5Y)Largest decline over 5 years | -60.79% | -61.28% | +0.49% |
Max Drawdown (10Y)Largest decline over 10 years | -60.79% | -61.28% | +0.49% |
Current DrawdownCurrent decline from peak | -41.98% | -52.86% | +10.88% |
Average DrawdownAverage peak-to-trough decline | -15.95% | -18.15% | +2.20% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 36.01% | 27.05% | +8.96% |
Volatility
GWRE vs. FICO - Volatility Comparison
The current volatility for Guidewire Software, Inc. (GWRE) is 19.32%, while Fair Isaac Corporation (FICO) has a volatility of 22.66%. This indicates that GWRE 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.
Loading charts...
Volatility by Period
| GWRE | FICO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 19.32% | 22.66% | -3.34% |
Volatility (6M)Calculated over the trailing 6-month period | 46.89% | 44.32% | +2.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.87% | 53.50% | +2.37% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 40.89% | 41.84% | -0.95% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.44% | 38.52% | -2.08% |
Dividends
GWRE vs. FICO - Dividend Comparison
Neither GWRE 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% |
GWRE Guidewire Software, 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
GWRE vs. FICO - Financials Comparison
This section allows you to compare key financial metrics between Guidewire Software, Inc. and Fair Isaac Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
GWRE vs. FICO - Profitability Comparison
GWRE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Guidewire Software, Inc. reported a gross profit of 236.65M and revenue of 372.54M. Therefore, the gross margin over that period was 63.5%.
FICO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Fair Isaac Corporation reported a gross profit of 587.17M and revenue of 674.19M. Therefore, the gross margin over that period was 87.1%.
GWRE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Guidewire Software, Inc. reported an operating income of 30.19M and revenue of 372.54M, resulting in an operating margin of 8.1%.
FICO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Fair Isaac Corporation reported an operating income of 362.63M and revenue of 674.19M, resulting in an operating margin of 53.8%.
GWRE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Guidewire Software, Inc. reported a net income of 16.47M and revenue of 372.54M, resulting in a net margin of 4.4%.
FICO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Fair Isaac Corporation reported a net income of 237.17M and revenue of 674.19M, resulting in a net margin of 35.2%.
Frequently Asked Questions
GWRE and FICO have a correlation of 0.45, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FICO has higher volatility (22.66%) compared to GWRE (19.32%). In terms of maximum drawdown, GWRE dropped -60.79% vs FICO's -79.26%.
FICO currently has the higher Sharpe Ratio (-0.41 vs -0.59), 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.
Find the right allocation for GWRE and FICO
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer