LINC vs. FICO
LINC (Lincoln Educational Services Corporation) and FICO (Fair Isaac Corporation) are both stocks. LINC operates in Education & Training Services (Consumer Defensive), while FICO operates in Software - Application (Technology). Over the past 10 years, LINC returned 42.69%/yr vs 25.91%/yr for FICO. At a 0.20 correlation, their price movements are largely independent.
Performance
LINC vs. FICO - Performance Comparison
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Returns By Period
In the year-to-date period, LINC achieves a 104.27% return, which is significantly higher than FICO's -35.48% return. Over the past 10 years, LINC has outperformed FICO with an annualized return of 42.69%, while FICO has yielded a comparatively lower 25.91% annualized return.
LINC
- 1D
- 1.86%
- 1M
- 1.92%
- YTD
- 104.27%
- 6M
- 103.26%
- 1Y
- 119.44%
- 3Y*
- 99.10%
- 5Y*
- 44.87%
- 10Y*
- 42.69%
FICO
- 1D
- -0.51%
- 1M
- -12.02%
- YTD
- -35.48%
- 6M
- -37.40%
- 1Y
- -39.56%
- 3Y*
- 12.02%
- 5Y*
- 17.03%
- 10Y*
- 25.91%
LINC vs. FICO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LINC Lincoln Educational Services Corporation | 104.27% | 52.65% | 57.57% | 73.40% | -22.49% | 14.92% | 140.74% | -15.62% | 58.42% | 5.21% |
FICO Fair Isaac Corporation | -35.48% | -15.08% | 71.04% | 94.46% | 38.03% | -15.14% | 36.39% | 100.36% | 22.06% | 28.52% |
Correlation
The correlation between LINC and FICO is -0.03, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.03 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.18 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.18 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.13 |
Correlation (All Time) Calculated using the full available price history since Jun 23, 2005 | 0.20 |
The correlation between LINC and FICO shifts across timeframes, from -0.03 (1 year) to 0.20 (all time), reflecting how their relationship changes across market environments.
Fundamentals
LINC:
$1.55B
FICO:
$25.91B
LINC:
$0.72
FICO:
$31.51
LINC:
68.89
FICO:
34.62
LINC:
2.42
FICO:
1.84
LINC:
2.83
FICO:
11.66
LINC:
$544.69M
FICO:
$2.26B
LINC:
$242.75M
FICO:
$1.90B
LINC:
$49.04M
FICO:
$1.16B
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Return for Risk
LINC vs. FICO — Risk / Return Rank
LINC
FICO
LINC vs. FICO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Lincoln Educational Services Corporation (LINC) 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.
| LINC | FICO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +3.34 | ||
| Sortino ratioReturn per unit of downside risk | +4.08 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 0.87 | +0.54 |
| Calmar ratioReturn relative to maximum drawdown | 4.39 | -0.76 | +5.15 |
| Martin ratioReturn relative to average drawdown | 11.86 | -1.41 | +13.27 |
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Drawdowns
LINC vs. FICO - Drawdown Comparison
The maximum LINC drawdown since its inception was -99.11%, which is greater than FICO's maximum drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for LINC and FICO.
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Drawdown Indicators
| LINC | FICO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -99.11% | -79.26% | -19.85% |
Max Drawdown (1Y)Largest decline over 1 year | -27.35% | -52.12% | +24.77% |
Max Drawdown (3Y)Largest decline over 3 years | -27.35% | -61.28% | +33.93% |
Max Drawdown (5Y)Largest decline over 5 years | -41.96% | -61.28% | +19.32% |
Max Drawdown (10Y)Largest decline over 10 years | -57.51% | -61.28% | +3.77% |
Current DrawdownCurrent decline from peak | -5.17% | -54.21% | +49.04% |
Average DrawdownAverage peak-to-trough decline | -59.00% | -18.05% | -40.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.11% | 28.07% | -17.96% |
Volatility
LINC vs. FICO - Volatility Comparison
Lincoln Educational Services Corporation (LINC) and Fair Isaac Corporation (FICO) have volatilities of 13.01% and 12.79%, 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.
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Volatility by Period
| LINC | FICO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.01% | 12.79% | +0.22% |
Volatility (6M)Calculated over the trailing 6-month period | 32.10% | 39.23% | -7.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 46.96% | 50.94% | -3.98% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 44.15% | 40.83% | +3.32% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 57.04% | 38.13% | +18.91% |
Dividends
LINC vs. FICO - Dividend Comparison
Neither LINC 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% |
LINC Lincoln Educational Services Corporation | 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
LINC vs. FICO - Financials Comparison
This section allows you to compare key financial metrics between Lincoln Educational Services Corporation 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
LINC vs. FICO - Profitability Comparison
LINC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Lincoln Educational Services Corporation reported a gross profit of 0.00 and revenue of 143.96M. Therefore, the gross margin over that period was 0.0%.
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%.
LINC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Lincoln Educational Services Corporation reported an operating income of 6.41M and revenue of 143.96M, resulting in an operating margin of 4.5%.
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%.
LINC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Lincoln Educational Services Corporation reported a net income of 4.36M and revenue of 143.96M, resulting in a net margin of 3.0%.
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
LINC and FICO have a correlation of -0.03, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LINC has higher volatility (13.01%) compared to FICO (12.79%). In terms of maximum drawdown, LINC dropped -99.11% vs FICO's -79.26%.
LINC currently has the higher Sharpe Ratio (2.56 vs -0.78), 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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