STRL vs. FICO

Last updated Jun 9, 2026

STRL (Sterling Construction Company, Inc.) and FICO (Fair Isaac Corporation) are both stocks. STRL operates in Engineering & Construction (Industrials), while FICO operates in Software - Application (Technology). Over the past 10 years, STRL returned 68.46%/yr vs 26.67%/yr for FICO. At a 0.22 correlation, their price movements are largely independent.

Performance

STRL vs. FICO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Sterling Construction Company, Inc. (STRL) 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, STRL achieves a 191.24% return, which is significantly higher than FICO's -28.59% return. Over the past 10 years, STRL has outperformed FICO with an annualized return of 68.46%, while FICO has yielded a comparatively lower 26.67% annualized return.

STRL

• 1D: 1.07%
• 1M: 5.57%
• YTD: 191.24%
• 6M: 174.74%
• 1Y: 332.96%
• 3Y*: 155.47%
• 5Y*: 104.86%
• 10Y*: 68.46%

FICO

• 1D: 6.16%
• 1M: 7.22%
• YTD: -28.59%
• 6M: -31.42%
• 1Y: -31.98%
• 3Y*: 15.94%
• 5Y*: 19.71%
• 10Y*: 26.67%

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

STRL vs. FICO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
STRL Sterling Construction Company, Inc.	191.24%	81.79%	91.57%	168.08%	24.71%	41.32%	32.17%	29.29%	-33.11%	92.43%
FICO Fair Isaac Corporation	-28.59%	-15.08%	71.04%	94.46%	38.03%	-15.14%	36.39%	100.36%	22.06%	28.52%

Correlation

The correlation between STRL and FICO is -0.12, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	-0.12
Correlation (3Y) Calculated over the trailing 3-year period	0.18
Correlation (5Y) Calculated over the trailing 5-year period	0.23
Correlation (10Y) Calculated over the trailing 10-year period	0.23
Correlation (All Time) Calculated using the full available price history since Aug 21, 1995	0.22

The correlation between STRL and FICO shifts across timeframes, from -0.12 (1 year) to 0.23 (10 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap STRL : $27.68B FICO : $28.67B
EPS STRL : $11.19 FICO : $31.51
PE Ratio STRL : 79.71 FICO : 38.32
PEG Ratio STRL : 1.70 FICO : 2.04
PS Ratio STRL : 9.58 FICO : 12.90
Total Revenue (TTM) STRL : $2.88B FICO : $2.26B
Gross Profit (TTM) STRL : $664.66M FICO : $1.90B
EBITDA (TTM) STRL : $429.99M FICO : $1.16B

Return for Risk

STRL vs. FICO — Risk / Return Rank

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

STRL

STRL Risk / Return Rank: 97
STRL Sharpe Ratio Rank: 98
STRL Sortino Ratio Rank: 96
STRL Omega Ratio Rank: 95
STRL Calmar Ratio Rank: 98
STRL Martin Ratio Rank: 98

FICO

FICO Risk / Return Rank: 17
FICO Sharpe Ratio Rank: 15
FICO Sortino Ratio Rank: 17
FICO Omega Ratio Rank: 16
FICO Calmar Ratio Rank: 19
FICO Martin Ratio Rank: 16

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.

STRL vs. FICO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Sterling Construction Company, Inc. (STRL) 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.

	STRL	FICO	Difference
Sharpe ratio: Return per unit of total volatility	4.13	-0.63	+4.76
Sortino ratio: Return per unit of downside risk	4.20	-0.69	+4.89
Omega ratio: Gain probability vs. loss probability	1.56	0.91	+0.65
Calmar ratio: Return relative to maximum drawdown	10.82	-0.62	+11.43
Martin ratio: Return relative to average drawdown	30.19	-1.18	+31.38
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

STRL vs. FICO - Sharpe Ratio Comparison

The current STRL Sharpe Ratio is 4.13, which is higher than the FICO Sharpe Ratio of -0.63. The chart below compares the historical Sharpe Ratios of STRL 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

	STRL	FICO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	4.13	-0.63	+4.76
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	1.85	0.49	+1.37
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	1.29	0.70	+0.58
Sharpe Ratio (All Time) Calculated using the full available price history	0.27	0.49	-0.22

Drawdowns

STRL vs. FICO - Drawdown Comparison

The maximum STRL drawdown since its inception was -92.51%, which is greater than FICO's maximum drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for STRL and FICO.

Drawdown Indicators

	STRL	FICO	Difference
Max Drawdown Largest peak-to-trough decline	-92.51%	-79.26%	-13.25%
Max Drawdown (1Y) Largest decline over 1 year	-31.02%	-52.12%	+21.10%
Max Drawdown (3Y) Largest decline over 3 years	-47.67%	-61.28%	+13.61%
Max Drawdown (5Y) Largest decline over 5 years	-47.67%	-61.28%	+13.61%
Max Drawdown (10Y) Largest decline over 10 years	-59.60%	-61.28%	+1.68%
Current Drawdown Current decline from peak	-10.25%	-49.32%	+39.07%
Average Drawdown Average peak-to-trough decline	-46.31%	-18.02%	-28.29%
Ulcer Index Depth and duration of drawdowns from previous peaks	11.09%	27.06%	-15.97%

Volatility

STRL vs. FICO - Volatility Comparison

Sterling Construction Company, Inc. (STRL) has a higher volatility of 24.22% compared to Fair Isaac Corporation (FICO) at 14.53%. This indicates that STRL'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.

Volatility by Period

	STRL	FICO	Difference
Volatility (1M) Calculated over the trailing 1-month period	24.22%	14.53%	+9.69%
Volatility (6M) Calculated over the trailing 6-month period	63.81%	39.17%	+24.64%
Volatility (1Y) Calculated over the trailing 1-year period	81.49%	50.75%	+30.74%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	56.99%	40.72%	+16.27%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	53.42%	38.08%	+15.34%

Dividends

STRL vs. FICO - Dividend Comparison

Neither STRL 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%
STRL Sterling Construction Company, 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

STRL vs. FICO - Profitability Comparison

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

STRL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Sterling Construction Company, Inc. reported a gross profit of 194.30M and revenue of 825.68M. Therefore, the gross margin over that period was 23.5%.

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%.

STRL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Sterling Construction Company, Inc. reported an operating income of 2.36M and revenue of 825.68M, resulting in an operating margin of 0.3%.

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%.

STRL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Sterling Construction Company, Inc. reported a net income of 95.97M and revenue of 825.68M, resulting in a net margin of 11.6%.

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

Can I hold both STRL and FICO in my portfolio?

STRL and FICO have a correlation of -0.12, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, STRL or FICO?

STRL has higher volatility (24.22%) compared to FICO (14.53%). In terms of maximum drawdown, STRL dropped -92.51% vs FICO's -79.26%.

Which has better risk-adjusted returns?

STRL currently has the higher Sharpe Ratio (4.13 vs -0.63), 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.