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 Stock Surges Past Analyst Expectations Despite Warning of Downside Risk Ahead
- Q4 earnings crushed expectations with $2.79 EPS versus $2.40 anticipated, while revenue hit $2.125 billion against a $2.02 billion forecast, signaling operational strength across business segments including a standout 42% sales jump in fitness products
- Management proposed boosting the quarterly dividend from $0.90 to $1.05 per share and authorized a new $500 million share repurchase program, reflecting confidence in cash generation and commitment to returning capital to shareholders
- Morgan Stanley upgraded GRMN to Equalweight from Underweight with a $252 price target, citing better 2026 growth prospects and reduced margin pressure, though the stock currently trades at a premium valuation of 23 times 2027 earnings estimates versus the five-year average of 22 times
FICO Dips to Near Lows Amid Sector Pressure, Yet Analysts Eye Major Rebound
- Stocks in analytics space including FICO fell sharply on March 10, dragged by broader sector weakness affecting names like SAIC, Verisk, and CoStar.
- Impressive revenue growth of 16.40% and $573 million in free cash flow highlight FICO's financial strength, fueling innovation in high-margin software.
- Analysts lean bullish with 15 buy ratings versus just 1 sell, viewing the current price below key moving averages as a value entry amid RSI nearing oversold.
Garmin Stock Surges Past Analyst Expectations Despite Warning of Downside Risk Ahead
- Q4 earnings crushed expectations with $2.79 EPS versus $2.40 anticipated, while revenue hit $2.125 billion against a $2.02 billion forecast, signaling operational strength across business segments including a standout 42% sales jump in fitness products
- Management proposed boosting the quarterly dividend from $0.90 to $1.05 per share and authorized a new $500 million share repurchase program, reflecting confidence in cash generation and commitment to returning capital to shareholders
- Morgan Stanley upgraded GRMN to Equalweight from Underweight with a $252 price target, citing better 2026 growth prospects and reduced margin pressure, though the stock currently trades at a premium valuation of 23 times 2027 earnings estimates versus the five-year average of 22 times
FICO Dips to Near Lows Amid Sector Pressure, Yet Analysts Eye Major Rebound
- Stocks in analytics space including FICO fell sharply on March 10, dragged by broader sector weakness affecting names like SAIC, Verisk, and CoStar.
- Impressive revenue growth of 16.40% and $573 million in free cash flow highlight FICO's financial strength, fueling innovation in high-margin software.
- Analysts lean bullish with 15 buy ratings versus just 1 sell, viewing the current price below key moving averages as a value entry amid RSI nearing oversold.
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 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.
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