FICO
Fair Isaac Corporation
FICO has the edge over INTC overall, supported by stronger valuation and lower modeled downside.
INTC
Intel Corporation
INTC's outlook is improving, though it still trails on the overall score.
FICO Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Under pressure |
FICO's revenue, profitability and cash flow are currently healthy, but its balance sheet is under pressure.
INTC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Under pressure | |
| Healthy | |
| Healthy |
INTC's revenue, cash flow and balance sheet are currently healthy, but its profitability is under pressure.
FICO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 16x | $717 | — |
| Current | 20x | $717 | — |
| Cheap | 34x | $1,224 | +71% |
| Fair | 54x | $1,954 | +172% |
| Expensive | 72x | $2,633 | +267% |
Historical ranges are pointers, not guarantees.
FICO's PE is in its cheap range at 20x. If earnings grow as analysts expect, today's price would be 16x next year's earnings.
INTC PE Valuation
INTC has no meaningful PE right now: it lost money over the past year.
FICO Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for FICO, with profitability improving.
INTC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Broad | |
| Low |
Analysts expect earnings and revenue growth for INTC, with profitability improving. However, they disagree widely on these estimates.
FICO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $44.90 | +24% |
| Q3 2026 | $36.32 | +37% |
| Q2 2026 | $34.61 | +35% |
| Q1 2026 | $31.56 | +36% |
| Q4 2025 | $27.01 | +24% |
| Q3 2025 | $26.54 | +30% |
| Q2 2025 | $25.57 | +34% |
| Q1 2025 | $23.22 | +22% |
| Q4 2024 | $21.79 | +22% |
FICO has the edge over INTC on earnings quality, reporting a profit while its opponent remains loss making.
INTC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.41 | — |
| Q3 2026 | -$2.39 | -24000% |
| Q2 2026 | -$2.09 | +$2.68 |
| Q1 2026 | -$0.60 | +$3.88 |
| Q4 2025 | -$0.06 | +$4.32 |
| Q3 2025 | $0.01 | +$3.72 |
| Q2 2025 | -$4.77 | -2088% |
| Q1 2025 | -$4.48 | -562% |
| Q4 2024 | -$4.38 | -1195% |
INTC has swung to a loss: it lost $2.39 per share over the past year, after a profit the year before.
FICO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $657M | +27% |
| Q2 2026 | $674.2M | +26% |
| Q1 2026 | $691.7M | +39% |
| Q4 2025 | $512M | +16% |
| Q3 2025 | $515.8M | +14% |
| Q2 2025 | $536.4M | +20% |
| Q1 2025 | $498.7M | +15% |
| Q4 2024 | $440M | +15% |
FICO has the edge over INTC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | -5.4 points |
| Q2 2026 | 54% | +4.9 points |
| Q1 2026 | 58% | +8.9 points |
| Q4 2025 | 46% | +4.9 points |
| Q3 2025 | 46% | +2.5 points |
| Q2 2025 | 49% | +6.5 points |
| Q1 2025 | 49% | +4.3 points |
| Q4 2024 | 41% | +1.2 points |
FICO has the edge over INTC on profitability, with a higher operating margin.
INTC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.5B | +21% |
| Q2 2026 | $16.1B | +25% |
| Q1 2026 | $13.6B | +7.2% |
| Q4 2025 | $13.7B | -4.1% |
| Q3 2025 | $13.7B | +2.8% |
| Q2 2025 | $12.9B | +0.2% |
| Q1 2025 | $12.7B | -0.4% |
| Q4 2024 | $14.3B | -7.4% |
INTC's revenue is recovering but still below its 2021 peak: $16.5B last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | +10 points |
| Q2 2026 | 11% | +36 points |
| Q1 2026 | -23% | -21 points |
| Q4 2025 | 4.2% | +1.4 points |
| Q3 2025 | 5% | +73 points |
| Q2 2025 | -25% | -9.4 points |
| Q1 2025 | -2.4% | +6 points |
| Q4 2024 | 2.9% | -14 points |
INTC's operating margin was 15% last quarter, up 10 points from the same quarter a year ago.
FICO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $293.4M | +34% |
| Q2 2026 | $379.6M | +33% |
| Q1 2026 | $223.1M | +206% |
| Q4 2025 | $173.9M | -10% |
| Q3 2025 | $219.5M | -2.3% |
| Q2 2025 | $284.4M | +34% |
| Q1 2025 | $72.8M | +8.7% |
| Q4 2024 | $193.2M | +60% |
FICO's free cash flow has been positive every quarter for seven years: $1.1B over the past year, up 39% from the year before.
INTC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +774% |
| Q2 2026 | $4.5B | +$6B |
| Q1 2026 | -$2.5B | +$1.8B |
| Q4 2025 | $800M | +$3.5B |
| Q3 2025 | $121M | +$2.5B |
| Q2 2025 | -$1.5B | +$1.9B |
| Q1 2025 | -$4.4B | +$2.8B |
| Q4 2024 | -$2.7B | -$597M |
INTC has the edge over FICO on cash flow, with more consistent year-over-year improvement.
FICO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.3% | +285K shares |
| 1 year | -6.4% | -1.6M shares |
| 3 years | -9.4% | -2.4M shares |
| 5 years | -21% | -6.3M shares |
| Available history | -24% | -7.2M shares |
FICO has the edge over INTC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1,000 |
| Q2 2026 | $2.3B |
| Q1 2026 | $605.4M |
| Q4 2025 | $171.2M |
| Q3 2025 | $548M |
| Q2 2025 | $486.8M |
| Q1 2025 | $217.2M |
| Q4 2024 | $162.6M |
FICO spent $3B buying back its own shares over the past year, up 115% from the year before.
INTC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4% | +203M shares |
| 1 year | +17% | +776M shares |
| 3 years | +25% | +1.1B shares |
| 5 years | +30% | +1.2B shares |
| Available history | +19% | +834M shares |
INTC has 5.3B diluted shares, up 17% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | $114M |
| Q1 2021 | $2.3B |
FICO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.9x | Elevated |
| Q2 2026 | 4.3x | High |
| Q1 2026 | 3.0x | Moderate |
| Q4 2025 | 3.1x | Elevated |
| Q3 2025 | 3.1x | Elevated |
| Q2 2025 | 2.9x | Moderate |
| Q1 2025 | 2.9x | Moderate |
| Q4 2024 | 2.9x | Moderate |
FICO's net debt is about 3.9 years of its operating earnings (EBITDA), up from 3.1 years a year ago.
INTC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Healthy |
| Q2 2026 | 3.1x | Elevated |
| Q1 2026 | 3.9x | Elevated |
| Q4 2025 | 3.4x | Elevated |
| Q3 2025 | 4.0x | Elevated |
| Q1 2025 | 69.6x | High |
| Q3 2024 | 23.8x | High |
| Q2 2024 | 4.3x | High |
INTC has the edge over FICO on leverage, with a lower net debt burden relative to earnings.
FICO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.9 | Neutral |
| Stochastic | 18.9 | Oversold |
FICO's weekly RSI is 36 (neutral) and its Stochastic is 19 (oversold).
INTC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 7.7 | Oversold |
INTC's weekly RSI is 38 (neutral) and its Stochastic is 8 (oversold).
FICO PE vs Technology Sector
| Metric | FICO | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 28x | 29% below |
| PE % | 1 | 35 | 34 pts below |
FICO is trading at 20x earnings, a 29% discount to the Technology sector's median of 28x.
INTC PE vs Technology Sector
| Metric | INTC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 28x | — |
INTC has no meaningful PE right now: it lost money over the past year.
FICO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $739.0 | 2.9% below |
| 20 week MA | $968.6 | 26% below |
| 50 week MA | $1,181.6 | 39% below |
| 100 week MA | $1,466.7 | 51% below |
| 200 week MA | $1,338.3 | 46% below |
FICO is in a downtrend: it's below all five of its weekly moving averages, and 46% below its 200-week average.
INTC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $88.4 | 31% below |
| 20 week MA | $95.3 | 36% below |
| 50 week MA | $79.3 | 23% below |
| 100 week MA | $52.1 | 18% above |
| 200 week MA | $42.5 | 44% above |
INTC has the edge over FICO on trend strength, trading above more of its moving averages.
FICO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $378.8 | $518.5 | +37% |
| 2021 | $518.5 | $435.1 | -16% |
| 2022 | $435.1 | $616.8 | +42% |
| 2023 | $616.8 | $1,164.0 | +89% |
| 2024 | $1,164.0 | $2,037.3 | +75% |
| 2025 | $2,037.3 | $1,753.2 | -14% |
| 2026 YTD | $1,753.2 | $717.4 | -59% |
FICO is down 59% so far in 2026, after finishing higher in four of the previous six years.
INTC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $60.1 | $47.1 | -22% |
| 2021 | $47.1 | $51.3 | +9% |
| 2022 | $51.3 | $26.1 | -49% |
| 2023 | $26.1 | $50.3 | +93% |
| 2024 | $50.3 | $20.3 | -60% |
| 2025 | $20.3 | $36.2 | +78% |
| 2026 YTD | $36.2 | $61.2 | +69% |
INTC has the edge over FICO on returns for 2026, with the stronger performance.