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 9.78%/yr vs 26.40%/yr for FICO. At a 0.49 correlation, their price movements are largely independent.
Performance
GWRE vs. FICO - Performance Comparison
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Returns By Period
In the year-to-date period, GWRE achieves a -22.88% return, which is significantly higher than FICO's -30.52% return. Over the past 10 years, GWRE has underperformed FICO with an annualized return of 9.78%, while FICO has yielded a comparatively higher 26.40% annualized return.
GWRE
- 1D
- -4.75%
- 1M
- 7.97%
- YTD
- -22.88%
- 6M
- -28.16%
- 1Y
- -28.95%
- 3Y*
- 29.80%
- 5Y*
- 8.25%
- 10Y*
- 9.78%
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%
GWRE vs. FICO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GWRE Guidewire Software, Inc. | -22.88% | 19.24% | 54.60% | 74.30% | -44.90% | -11.81% | 17.27% | 36.82% | 8.04% | 50.54% |
FICO Fair Isaac Corporation | -30.52% | -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 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.39 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.41 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.47 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.52 |
Correlation (All Time) Calculated using the full available price history since Jan 26, 2012 | 0.49 |
The correlation between GWRE and FICO shifts across timeframes, from 0.39 (1 year) to 0.52 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
GWRE:
$13.38B
FICO:
$27.90B
GWRE:
$2.19
FICO:
$31.51
GWRE:
70.69
FICO:
37.28
GWRE:
0.94
FICO:
1.98
GWRE:
9.98
FICO:
12.55
GWRE:
$1.34B
FICO:
$2.26B
GWRE:
$855.55M
FICO:
$1.90B
GWRE:
$201.21M
FICO:
$1.16B
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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.
| GWRE | FICO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.08 | ||
| Sortino ratioReturn per unit of downside risk | +0.05 | ||
| Omega ratioGain probability vs. loss probability | 0.92 | 0.90 | +0.02 |
| Calmar ratioReturn relative to maximum drawdown | -0.53 | -0.63 | +0.10 |
| Martin ratioReturn relative to average drawdown | -0.95 | -1.22 | +0.27 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| GWRE | FICO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.57 | -0.65 | +0.08 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.21 | 0.47 | -0.26 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.28 | 0.70 | -0.42 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.46 | 0.49 | -0.03 |
Drawdowns
GWRE vs. FICO - Drawdown Comparison
The maximum GWRE drawdown since its inception was -60.28%, 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.
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Drawdown Indicators
| GWRE | FICO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.28% | -79.26% | +18.98% |
Max Drawdown (1Y)Largest decline over 1 year | -54.96% | -52.12% | -2.84% |
Max Drawdown (3Y)Largest decline over 3 years | -54.96% | -61.28% | +6.32% |
Max Drawdown (5Y)Largest decline over 5 years | -58.81% | -61.28% | +2.47% |
Max Drawdown (10Y)Largest decline over 10 years | -60.28% | -61.28% | +1.00% |
Current DrawdownCurrent decline from peak | -40.81% | -50.69% | +9.88% |
Average DrawdownAverage peak-to-trough decline | -15.58% | -18.00% | +2.42% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 30.67% | 26.72% | +3.95% |
Volatility
GWRE vs. FICO - Volatility Comparison
Guidewire Software, Inc. (GWRE) has a higher volatility of 22.73% compared to Fair Isaac Corporation (FICO) at 14.02%. This indicates that GWRE's price experiences larger fluctuations and is considered to be riskier than FICO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GWRE | FICO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 22.73% | 14.02% | +8.71% |
Volatility (6M)Calculated over the trailing 6-month period | 41.22% | 38.62% | +2.60% |
Volatility (1Y)Calculated over the trailing 1-year period | 51.23% | 50.22% | +1.01% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 38.99% | 40.63% | -1.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.46% | 38.02% | -2.56% |
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 Jun 2026, Guidewire Software, Inc. reported a gross profit of 231.52M and revenue of 359.10M. Therefore, the gross margin over that period was 64.5%.
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%.
GWRE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Guidewire Software, Inc. reported an operating income of 38.44M and revenue of 359.10M, resulting in an operating margin of 10.7%.
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%.
GWRE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Guidewire Software, Inc. reported a net income of 60.11M and revenue of 359.10M, resulting in a net margin of 16.7%.
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
GWRE and FICO have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
GWRE has higher volatility (22.73%) compared to FICO (14.02%). In terms of maximum drawdown, GWRE dropped -60.28% vs FICO's -79.26%.
GWRE currently has the higher Sharpe Ratio (-0.57 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.
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