Live Report · Updated January 26, 2026

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

$36.77B

9.01%

Potential Profit

30.45%

Hold

Analyst Rating

Buy

Why It's Moving

Barclays upgrades Garmin to Equal-Weight, spotlighting growth potential amid fresh product launches.

Barclays' upgrade reflects optimism about Garmin's innovation pipeline, with analyst forecasts pointing to 6.65% upside from recent levels.
Quatix 8 Pro smartwatch, unveiled earlier this month at $1,299.99, blends titanium build, satellite connectivity, and 15-day battery life to capture serious boating demand.
Stock bucked market dips with a 1.14% gain to $213.91 recently, ahead of earnings expected to show revenue growth despite flat full-year projections.

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

Barclays upgrades Garmin to Equal-Weight, spotlighting growth potential amid fresh product launches.

Barclays' upgrade reflects optimism about Garmin's innovation pipeline, with analyst forecasts pointing to 6.65% upside from recent levels.
Quatix 8 Pro smartwatch, unveiled earlier this month at $1,299.99, blends titanium build, satellite connectivity, and 15-day battery life to capture serious boating demand.
Stock bucked market dips with a 1.14% gain to $213.91 recently, ahead of earnings expected to show revenue growth despite flat full-year projections.

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

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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