GWRE vs. FICO

Last updated Apr 1, 2026

Compare and contrast key facts about Guidewire Software, Inc. (GWRE) and Fair Isaac Corporation (FICO).

Performance

GWRE vs. FICO - Performance Comparison

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

GWRE vs. FICO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
GWRE Guidewire Software, Inc.	-25.60%	19.24%	54.60%	74.30%	-44.90%	-11.81%	17.27%	36.82%	8.04%	50.54%
FICO Fair Isaac Corporation	-36.86%	-15.08%	71.04%	94.46%	38.03%	-15.14%	36.39%	100.36%	22.06%	28.52%

Fundamentals

Market Cap GWRE : $12.91B FICO : $25.58B
EPS GWRE : $2.20 FICO : $27.15
PE Ratio GWRE : 68.11 FICO : 39.32
PEG Ratio GWRE : 0.91 FICO : 2.09
PS Ratio GWRE : 9.61 FICO : 12.54
Total Revenue (TTM) GWRE : $1.34B FICO : $2.06B
Gross Profit (TTM) GWRE : $855.55M FICO : $1.71B
EBITDA (TTM) GWRE : $201.21M FICO : $1.00B

Returns By Period

In the year-to-date period, GWRE achieves a -25.60% return, which is significantly higher than FICO's -36.86% return. Over the past 10 years, GWRE has underperformed FICO with an annualized return of 10.50%, while FICO has yielded a comparatively higher 25.66% annualized return.

GWRE

• 1D: 3.22%
• 1M: 2.92%
• YTD: -25.60%
• 6M: -34.93%
• 1Y: -20.18%
• 3Y*: 22.16%
• 5Y*: 7.86%
• 10Y*: 10.50%

FICO

• 1D: 1.87%
• 1M: -24.25%
• YTD: -36.86%
• 6M: -28.67%
• 1Y: -42.11%
• 3Y*: 14.96%
• 5Y*: 16.34%
• 10Y*: 25.66%

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

Return for Risk

GWRE vs. FICO — Risk / Return Rank

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

GWRE

GWRE Risk / Return Rank: 24
GWRE Sharpe Ratio Rank: 21
GWRE Sortino Ratio Rank: 20
GWRE Omega Ratio Rank: 20
GWRE Calmar Ratio Rank: 30
GWRE Martin Ratio Rank: 28

FICO

FICO Risk / Return Rank: 11
FICO Sharpe Ratio Rank: 9
FICO Sortino Ratio Rank: 11
FICO Omega Ratio Rank: 11
FICO Calmar Ratio Rank: 15
FICO Martin Ratio Rank: 11

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.

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 ratio Return per unit of total volatility	-0.46	-0.81	+0.35
Sortino ratio Return per unit of downside risk	-0.49	-1.02	+0.52
Omega ratio Gain probability vs. loss probability	0.94	0.86	+0.08
Calmar ratio Return relative to maximum drawdown	-0.38	-0.76	+0.38
Martin ratio Return relative to average drawdown	-0.86	-1.48	+0.62
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

GWRE vs. FICO - Sharpe Ratio Comparison

The current GWRE Sharpe Ratio is -0.46, which is higher than the FICO Sharpe Ratio of -0.81. The chart below compares the historical Sharpe Ratios of GWRE and FICO, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	GWRE	FICO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.46	-0.81	+0.35
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.21	0.42	-0.20
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.31	0.69	-0.38
Sharpe Ratio (All Time) Calculated using the full available price history	0.46	0.48	-0.02

Correlation

The correlation between GWRE and FICO is 0.49, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

GWRE vs. FICO - Dividend Comparison

Neither GWRE nor FICO has paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
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%
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%

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.

Drawdown Indicators

	GWRE	FICO	Difference
Max Drawdown Largest peak-to-trough decline	-60.28%	-79.26%	+18.98%
Max Drawdown (1Y) Largest decline over 1 year	-53.33%	-54.90%	+1.57%
Max Drawdown (5Y) Largest decline over 5 years	-58.81%	-58.24%	-0.57%
Max Drawdown (10Y) Largest decline over 10 years	-60.28%	-58.24%	-2.04%
Current Drawdown Current decline from peak	-42.89%	-55.19%	+12.30%
Average Drawdown Average peak-to-trough decline	-15.20%	-17.82%	+2.62%
Ulcer Index Depth and duration of drawdowns from previous peaks	23.57%	28.31%	-4.74%

Volatility

GWRE vs. FICO - Volatility Comparison

The current volatility for Guidewire Software, Inc. (GWRE) is 11.75%, while Fair Isaac Corporation (FICO) has a volatility of 22.06%. 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.

Volatility by Period

	GWRE	FICO	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.75%	22.06%	-10.31%
Volatility (6M) Calculated over the trailing 6-month period	30.04%	38.56%	-8.52%
Volatility (1Y) Calculated over the trailing 1-year period	43.86%	52.35%	-8.49%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	36.82%	39.49%	-2.67%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	34.28%	37.39%	-3.11%

Financials

GWRE vs. FICO - Profitability Comparison

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

GWRE - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 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 Apr 2026, Fair Isaac Corporation reported a gross profit of 424.70M and revenue of 511.96M. Therefore, the gross margin over that period was 83.0%.

GWRE - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 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 Apr 2026, Fair Isaac Corporation reported an operating income of 234.05M and revenue of 511.96M, resulting in an operating margin of 45.7%.

GWRE - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 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 Apr 2026, Fair Isaac Corporation reported a net income of 158.37M and revenue of 511.96M, resulting in a net margin of 30.9%.