FICO vs Nokia

FICO and Nokia are compared to provide an overview of business models, financial performance, and market context. This page presents neutral, accessible information to help readers understand how the two organisations operate within their respective sectors. Educational content, not financial advice.

FICO and Nokia are compared to provide an overview of business models, financial performance, and market context. This page presents neutral, accessible information to help readers understand how the ...

Comparison Snapshot

Key Financial Metrics

FICO

Metric

NOK

$36.77B

Market Cap

$39.26B

30.45%

Potential Profit

-4.97%

Buy

Analyst Rating

Buy

Why It's Moving

FICO Gears Up for Q1 Earnings Reveal as Investors Eye Next Chapter in Scoring Dominance

Q1 results call set for Jan. 28 at 5 p.m. ET, offering fresh data on decision management growth and operational decisions powering global businesses.
Insider selling persists with CFO offloading shares worth $2.58M recently, part of $17.52M in 90-day disposals, signaling caution at current valuations.
Analysts hold 'Moderate Buy' rating with $2,077 average target, buoyed by prior Q3 EPS beat of $7.74 versus $7.36 expected, highlighting strong margins despite negative ROE.

Sentiment:

⚖️Neutral

Nokia Shares Surge on AI Momentum Heading into 2026

Stock rocketed more than 40% in 2025, reflecting surging investor bets on Nokia's AI-driven network solutions.
Recent trading saw a 4.46% gain to $6.79 with high volume of 30.9 million shares, signaling strong market interest.
Analysts project 32.9% upside potential, outpacing sector averages and highlighting Nokia's undervalued growth prospects.

Sentiment:

🐃Bullish

FICO Gears Up for Q1 Earnings Reveal as Investors Eye Next Chapter in Scoring Dominance

Q1 results call set for Jan. 28 at 5 p.m. ET, offering fresh data on decision management growth and operational decisions powering global businesses.
Insider selling persists with CFO offloading shares worth $2.58M recently, part of $17.52M in 90-day disposals, signaling caution at current valuations.
Analysts hold 'Moderate Buy' rating with $2,077 average target, buoyed by prior Q3 EPS beat of $7.74 versus $7.36 expected, highlighting strong margins despite negative ROE.

Sentiment:

⚖️Neutral

Nokia Shares Surge on AI Momentum Heading into 2026

Stock rocketed more than 40% in 2025, reflecting surging investor bets on Nokia's AI-driven network solutions.
Recent trading saw a 4.46% gain to $6.79 with high volume of 30.9 million shares, signaling strong market interest.
Analysts project 32.9% upside potential, outpacing sector averages and highlighting Nokia's undervalued growth prospects.

Sentiment:

🐃Bullish

Investment Analysis

FICO

Pros

Fair Isaac's Scores segment delivered 25% year-on-year revenue growth, driven by strong demand for credit scoring solutions.
The company reported robust free cash flow of $638 million, supporting continued investment in innovation and expansion.
FICO has a dominant market position in analytics and decisioning technologies, with a global client base and recurring revenue streams.

Considerations

FICO trades at a high valuation, with a trailing P/E ratio above 60, making it sensitive to earnings disappointments.
The company does not pay a dividend, prioritising reinvestment over direct shareholder returns.
Recent fiscal 2026 guidance disappointed investors, leading to after-hours share price declines.

Nokia

NOK

Pros

Nokia maintains a leading position in telecommunications infrastructure, benefiting from global 5G network deployments.
The company has a strong balance sheet with significant cash reserves and low debt levels.
Nokia is expanding its software and cloud networking offerings, diversifying beyond traditional hardware.

Considerations

Nokia's revenue growth has been sluggish, with recent quarters showing declines in key business segments.
The company faces intense competition from larger rivals like Ericsson and Huawei, pressuring margins.
Nokia's exposure to cyclical telecom spending makes it vulnerable to macroeconomic downturns and regulatory changes.

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