Garmin vs FICO
Garmin Ltd. and FICO (Fair Isaac Corp) are compared here across business models, financial performance, and market context, presented in a neutral, accessible way. The page outlines strategies, strengths, and external factors without making predictions or guarantees. Educational content, not financial advice.
Garmin Ltd. and FICO (Fair Isaac Corp) are compared here across business models, financial performance, and market context, presented in a neutral, accessible way. The page outlines strategies, streng...
Why It's Moving
GRMN Faces Analyst Warnings of -11% Downside Despite Recent Earnings Surge and Buyback Boost
- Q4 earnings crushed expectations with adjusted EPS at $2.79, up 16% year-over-year, fueled by robust free cash flow of $430 million that supports aggressive shareholder returns.
- Board proposed a 17% dividend hike to $4.20 per share annually and launched a fresh $500 million buyback program through 2028, replacing a prior $300 million authorization.
- 2026 guidance points to nearly 10% revenue growth, outpacing consensus, yet analysts flag -11% downside amid sector headwinds and stretched valuations post-10% post-earnings rally.
FICO Launches $1.5B Buyback, Fueling Analyst Optimism for Major Upside
- Board approved open-ended buyback after exhausting prior program, freeing up firepower to retire shares and boost earnings per share amid healthy free cash flow of $573 million.
- Scores segment revenue leaped 29.2% year-over-year, crushing estimates thanks to pricing power and hot demand from mortgage and auto lending.
- Analysts pile on with 15 buy ratings versus just 1 sell, spotlighting FICO's high-margin software edge and 16.4% overall revenue growth.
GRMN Faces Analyst Warnings of -11% Downside Despite Recent Earnings Surge and Buyback Boost
- Q4 earnings crushed expectations with adjusted EPS at $2.79, up 16% year-over-year, fueled by robust free cash flow of $430 million that supports aggressive shareholder returns.
- Board proposed a 17% dividend hike to $4.20 per share annually and launched a fresh $500 million buyback program through 2028, replacing a prior $300 million authorization.
- 2026 guidance points to nearly 10% revenue growth, outpacing consensus, yet analysts flag -11% downside amid sector headwinds and stretched valuations post-10% post-earnings rally.
FICO Launches $1.5B Buyback, Fueling Analyst Optimism for Major Upside
- Board approved open-ended buyback after exhausting prior program, freeing up firepower to retire shares and boost earnings per share amid healthy free cash flow of $573 million.
- Scores segment revenue leaped 29.2% year-over-year, crushing estimates thanks to pricing power and hot demand from mortgage and auto lending.
- Analysts pile on with 15 buy ratings versus just 1 sell, spotlighting FICO's high-margin software edge and 16.4% overall revenue growth.
Investment Analysis
Garmin
GRMN
Pros
- Garmin reported record Q3 2025 revenue of nearly $1.8 billion, driven by growth in its fitness, marine, and aviation segments.
- The company raised its full-year earnings guidance following strong quarterly results, indicating positive financial momentum.
- Garmin has delivered substantial long-term returns, with a 163% total return over three years, reflecting durable brand strength and innovation.
Considerations
- Shares declined nearly 17% in the past month despite strong results, highlighting short-term investor sentiment volatility.
- The stock trades at a premium valuation with a price-to-earnings ratio around 25, which may limit upside given elevated expectations.
- Garmin’s key growth segments face intensifying competition in wearable technology and navigation markets, posing execution risks.
FICO
FICO
Pros
- Fair Isaac Corporation reported 2025 revenues of $1.99 billion, up 15.9% year-over-year, and earnings increased by 27.1%.
- The company commands a strong market position with its predictive credit scoring and decision management software used globally.
- Analysts maintain a bullish outlook, with an average price target implying a nearly 24% upside from current levels.
Considerations
- FICO's price-to-earnings ratio is elevated above 60, well above its historical average, indicating possibly stretched valuation.
- The company operates in competitive and rapidly evolving technology sectors, exposing it to innovation and execution risks.
- FICO's revenue base, though growing, is smaller compared to major tech peers, limiting scale advantages and potentially impacting growth resilience.
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Garmin (GRMN) Next Earnings Date
Garmin's next earnings report is scheduled for April 29, 2026, with some sources indicating a possible window between April 29 and May 6, 2026. This release will cover the company's Q1 2026 results. The earnings announcement is expected to occur before market open, followed by a conference call with management. Based on historical patterns, analysts are currently expecting earnings per share of approximately $1.83 for the quarter.
FICO (FICO) Next Earnings Date
Fair Isaac (FICO) is expected to report its next earnings results on May 5, 2026, covering the second quarter of fiscal 2026. The company has not yet officially announced this date, though it is estimated based on historical earnings patterns and falls within the typical window of late April to early May. Analysts are forecasting earnings per share of $10.20 for this quarter. The earnings call will provide management commentary on financial results and the company's forward outlook.
Garmin (GRMN) Next Earnings Date
Garmin's next earnings report is scheduled for April 29, 2026, with some sources indicating a possible window between April 29 and May 6, 2026. This release will cover the company's Q1 2026 results. The earnings announcement is expected to occur before market open, followed by a conference call with management. Based on historical patterns, analysts are currently expecting earnings per share of approximately $1.83 for the quarter.
FICO (FICO) Next Earnings Date
Fair Isaac (FICO) is expected to report its next earnings results on May 5, 2026, covering the second quarter of fiscal 2026. The company has not yet officially announced this date, though it is estimated based on historical earnings patterns and falls within the typical window of late April to early May. Analysts are forecasting earnings per share of $10.20 for this quarter. The earnings call will provide management commentary on financial results and the company's forward outlook.
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Explore BasketWhich Baskets Do They Appear In?
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Explore BasketBuy GRMN or FICO in Nemo
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