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...

Comparison Snapshot

Key Financial Metrics

GRMN

Metric

FICO

$39.80B

Market Cap

$34.42B

10.19%

Potential Profit

48.47%

Hold

Analyst Rating

Buy

Why It's Moving

Garmin Navigates Steady Waters Amid Insider Sales and Solid Dividend Boost

Co-COO Patrick Desbois sold 3,678 shares on Jan. 7 under a Rule 10b5-1 plan at $210-$211, retaining over 61,000 shares including unvested RSUs, signaling routine liquidity without strategic shifts.
Garmin upped its quarterly dividend to $0.90 per share, annualizing to 3.6% yield, highlighting strong profitability from its $6.94B trailing revenue base.
Institutions like Thrivent Financial and Archer Focus Fund trimmed positions slightly, while analysts maintain a Moderate Buy consensus ahead of Feb. 18 earnings expected at $2.39 EPS.

Sentiment:

⚖️Neutral

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

Garmin Navigates Steady Waters Amid Insider Sales and Solid Dividend Boost

Co-COO Patrick Desbois sold 3,678 shares on Jan. 7 under a Rule 10b5-1 plan at $210-$211, retaining over 61,000 shares including unvested RSUs, signaling routine liquidity without strategic shifts.
Garmin upped its quarterly dividend to $0.90 per share, annualizing to 3.6% yield, highlighting strong profitability from its $6.94B trailing revenue base.
Institutions like Thrivent Financial and Archer Focus Fund trimmed positions slightly, while analysts maintain a Moderate Buy consensus ahead of Feb. 18 earnings expected at $2.39 EPS.

Sentiment:

⚖️Neutral

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

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

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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