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
Garmin hits ex-dividend milestone as market shifts test valuation confidence
- Garmin's $0.90 dividend represents a 4.2% annualized yield, providing consistent income to shareholders on the ex-dividend date of March 13th with payment on March 27th
- The stock trades at a Forward P/E of 25.68, above its industry average of 25.61, while the PEG ratio of 2.89 significantly exceeds the sector average of 1.61, suggesting elevated growth expectations priced in
- Recent performance shows 14.6% gains over 30 days and 16.6% year-to-date returns, but the stock's 159.6% three-year surge raises questions about whether current valuation reflects underlying fundamentals or accumulated market optimism
FICO Stock Faces Whipsaw as Strong Q1 Earnings Clash With Market Volatility and Economic Concerns
- Q1 earnings crushed expectations with 16% year-over-year revenue growth and strong pricing power in core FICO Scores segment, which jumped 29.2%, driven by mortgage and auto lending demand—yet the Software division showed concerning signs with just 1.2% growth and a 7.6% decline in non-platform annual recurring revenue.
- Board approved a new $1.5 billion stock repurchase program and announced a $1 billion Senior Notes offering to refinance debt, signaling management confidence in long-term value despite near-term volatility and the stock trading near 52-week lows around $1,085–$1,192.
- Analyst confidence remains elevated with 15 Buy ratings versus only 1 Sell, and firms like Needham and Bank of America citing FICO's entrenched market position and pricing power, though concerns about prolonged economic downturns potentially reducing demand for scores pose a meaningful headwind to growth expectations.
Garmin hits ex-dividend milestone as market shifts test valuation confidence
- Garmin's $0.90 dividend represents a 4.2% annualized yield, providing consistent income to shareholders on the ex-dividend date of March 13th with payment on March 27th
- The stock trades at a Forward P/E of 25.68, above its industry average of 25.61, while the PEG ratio of 2.89 significantly exceeds the sector average of 1.61, suggesting elevated growth expectations priced in
- Recent performance shows 14.6% gains over 30 days and 16.6% year-to-date returns, but the stock's 159.6% three-year surge raises questions about whether current valuation reflects underlying fundamentals or accumulated market optimism
FICO Stock Faces Whipsaw as Strong Q1 Earnings Clash With Market Volatility and Economic Concerns
- Q1 earnings crushed expectations with 16% year-over-year revenue growth and strong pricing power in core FICO Scores segment, which jumped 29.2%, driven by mortgage and auto lending demand—yet the Software division showed concerning signs with just 1.2% growth and a 7.6% decline in non-platform annual recurring revenue.
- Board approved a new $1.5 billion stock repurchase program and announced a $1 billion Senior Notes offering to refinance debt, signaling management confidence in long-term value despite near-term volatility and the stock trading near 52-week lows around $1,085–$1,192.
- Analyst confidence remains elevated with 15 Buy ratings versus only 1 Sell, and firms like Needham and Bank of America citing FICO's entrenched market position and pricing power, though concerns about prolonged economic downturns potentially reducing demand for scores pose a meaningful headwind to growth expectations.
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.
Related Market Insights
Urban Air Mobility Takes Off: The Electric Air Taxi Revolution
Electric air taxis are taking flight! Explore the Urban Air Mobility revolution, powered by Joby Aviation's Dubai success. Invest in eVTOLs & future transport with Nemo.
Aimee Silverwood | Financial Analyst
July 25, 2025
The Sleep Revolution: Why Rest & Recovery Stocks Are Wide Awake
Explore the booming rest & recovery market. Invest in sleep technology, medical solutions, and wellness stocks. Discover high-growth opportunities in the sleep revolution with Nemo.
Aimee Silverwood | Financial Analyst
July 25, 2025
The Bio-Hacking Revolution: Investing in Human Optimization Technology
Explore the Bio-Hacking Revolution Neme. Invest in companies leading wearable tech, personalized nutrition & genetic enhancement for human optimization.
Aimee Silverwood | Financial Analyst
July 25, 2025
Related Market Insights
Urban Air Mobility Takes Off: The Electric Air Taxi Revolution
Electric air taxis are taking flight! Explore the Urban Air Mobility revolution, powered by Joby Aviation's Dubai success. Invest in eVTOLs & future transport with Nemo.
Aimee Silverwood | Financial Analyst
July 25, 2025
The Sleep Revolution: Why Rest & Recovery Stocks Are Wide Awake
Explore the booming rest & recovery market. Invest in sleep technology, medical solutions, and wellness stocks. Discover high-growth opportunities in the sleep revolution with Nemo.
Aimee Silverwood | Financial Analyst
July 25, 2025
The Bio-Hacking Revolution: Investing in Human Optimization Technology
Explore the Bio-Hacking Revolution Neme. Invest in companies leading wearable tech, personalized nutrition & genetic enhancement for human optimization.
Aimee Silverwood | Financial Analyst
July 25, 2025
Garmin (GRMN) Next Earnings Date
Garmin's next earnings date is scheduled for April 29, 2026, covering the Q1 2026 period. This follows the most recent Q4 2025 report released on February 18, 2026. Investors should monitor for the earnings call on that date to assess quarterly performance.
FICO (FICO) Next Earnings Date
Fair Isaac (FICO) is estimated to announce its next earnings between April 24 and April 30, 2026, following its most recent report on January 28, 2026, with no official date confirmed yet. This release will cover the first quarter of fiscal 2026 (Q1 FY2026), consistent with the company's historical late-April pattern for Q1 results. Investors should monitor for an official announcement in the coming weeks.
Garmin (GRMN) Next Earnings Date
Garmin's next earnings date is scheduled for April 29, 2026, covering the Q1 2026 period. This follows the most recent Q4 2025 report released on February 18, 2026. Investors should monitor for the earnings call on that date to assess quarterly performance.
FICO (FICO) Next Earnings Date
Fair Isaac (FICO) is estimated to announce its next earnings between April 24 and April 30, 2026, following its most recent report on January 28, 2026, with no official date confirmed yet. This release will cover the first quarter of fiscal 2026 (Q1 FY2026), consistent with the company's historical late-April pattern for Q1 results. Investors should monitor for an official announcement in the coming weeks.
Which Baskets Do They Appear In?
Urban Air Mobility Takes Off
Electric air taxis are moving from science fiction to reality. This collection features companies pioneering the future of urban transportation, carefully selected by our investment analysts to give you exposure to this exciting emerging industry.
Published: July 1, 2025
Explore BasketBio-Hacking Portfolio
Discover companies at the cutting edge of human optimization, where biology meets technology. These carefully selected stocks represent innovators developing data-driven solutions for personalized health, enhanced performance, and extended longevity.
Published: June 17, 2025
Explore BasketRest & Recovery
This carefully curated collection features companies at the forefront of sleep science and recovery technology. These stocks represent a growing market where innovation meets wellness, selected by professional analysts tracking the expanding health optimization trend.
Published: June 17, 2025
Explore BasketWhich Baskets Do They Appear In?
Urban Air Mobility Takes Off
Electric air taxis are moving from science fiction to reality. This collection features companies pioneering the future of urban transportation, carefully selected by our investment analysts to give you exposure to this exciting emerging industry.
Published: July 1, 2025
Explore BasketBio-Hacking Portfolio
Discover companies at the cutting edge of human optimization, where biology meets technology. These carefully selected stocks represent innovators developing data-driven solutions for personalized health, enhanced performance, and extended longevity.
Published: June 17, 2025
Explore BasketRest & Recovery
This carefully curated collection features companies at the forefront of sleep science and recovery technology. These stocks represent a growing market where innovation meets wellness, selected by professional analysts tracking the expanding health optimization trend.
Published: June 17, 2025
Explore BasketBuy GRMN or FICO in Nemo
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Comparisons
Garmin vs eBay
Garmin vs eBay: compare business models, margins, cash flow, valuation, and market context to guide further research and understanding.
Garmin vs Nokia
Garmin Ltd. vs Nokia Corp. compares business models, financial performance, and market context to help readers research each company without providing financial advice.
Garmin vs ASE Technology
Garmin Ltd. and ASE Industrial Holding Co. Ltd are compared for business models, financial performance, and market position to help readers research each company objectively.