FICO vs Celestica

This page compares FICO and Celestica, examining business models, financial performance, and market context to help readers understand how each company operates within its sector. The comparison is presented in a neutral, accessible tone, with emphasis on conceptual distinctions rather than recommendations. Educational content, not financial advice.

This page compares FICO and Celestica, examining business models, financial performance, and market context to help readers understand how each company operates within its sector. The comparison is pr...

Comparison Snapshot

Key Financial Metrics

FICO

Metric

CLS

$34.42B

Market Cap

$32.91B

48.47%

Potential Profit

22.56%

Buy

Analyst Rating

Buy

Why It's Moving

FICO Beats Q1 Estimates but Shares Dip on Conservative Full-Year Guidance

Scores revenue surged 29% to $304.5 million, fueled by higher mortgage origination volumes and pricing, highlighting robust demand for advanced FICO scoring models.
Software segment posted modest 2% growth to $207.5 million, with platform ARR leaping 33% on record annual contract value bookings and SaaS momentum.
Jefferies reaffirmed Buy rating citing oversold conditions and undervaluation, as analysts eye FY2026 upside despite reiterated conservative guidance.

Sentiment:

🌋Volatile

FICO Beats Q1 Estimates but Shares Dip on Conservative Full-Year Guidance

Scores revenue surged 29% to $304.5 million, fueled by higher mortgage origination volumes and pricing, highlighting robust demand for advanced FICO scoring models.
Software segment posted modest 2% growth to $207.5 million, with platform ARR leaping 33% on record annual contract value bookings and SaaS momentum.
Jefferies reaffirmed Buy rating citing oversold conditions and undervaluation, as analysts eye FY2026 upside despite reiterated conservative guidance.

Sentiment:

🌋Volatile

Investment Analysis

FICO

Pros

FICO reported strong revenue growth, with a 14% year-on-year increase in Q4 2025, driven by robust demand for its Scores segment.
The company launched new AI-driven models and the FICO Platform, enhancing its competitive edge in analytics and decision management solutions.
FICO maintains high institutional ownership and analyst confidence, with a consensus 'Buy' rating and significant upside potential based on price targets.

Considerations

FICO trades at a high valuation, with a P/E ratio above 70, raising concerns about overvaluation relative to earnings.
The stock has shown volatility, and recent softness in the fiscal 2026 outlook has led to after-hours declines.
Negative return on equity and lack of dividend payments may deter income-focused investors and raise profitability concerns.

Celestica

CLS

Pros

Celestica has diversified its business into high-growth areas such as cloud computing, artificial intelligence, and 5G infrastructure.
The company has demonstrated strong operational execution, with improved margins and revenue growth in recent quarters.
Celestica benefits from strategic partnerships with leading technology firms, supporting long-term growth prospects.

Considerations

Celestica's performance is sensitive to global supply chain disruptions and macroeconomic conditions affecting the electronics sector.
The company faces intense competition from larger contract manufacturers, which could pressure pricing and margins.
Revenue concentration in a few key customers increases business risk if major clients reduce orders or shift suppliers.

Related Market Insights

When Government Data Fails: The Private Intelligence Revolution

As trust in government data erodes, private analytics firms like FICO, Verisk, and Morningstar offer independent market intelligence. Discover this investment opportunity with Nemo.