Fair Isaac (NYSE:FICO) and Sparta Commercial Services (OTCMKTS:SRCO) are both computer and technology companies, but which is the better investment? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, institutional ownership, analyst recommendations and earnings.
Volatility and Risk
Fair Isaac has a beta of 1.43, meaning that its stock price is 43% more volatile than the S&P 500. Comparatively, Sparta Commercial Services has a beta of 3.21, meaning that its stock price is 221% more volatile than the S&P 500.
83.8% of Fair Isaac shares are owned by institutional investors. 6.1% of Fair Isaac shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
This table compares Fair Isaac and Sparta Commercial Services’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Sparta Commercial Services||N/A||N/A||N/A|
This is a breakdown of current ratings for Fair Isaac and Sparta Commercial Services, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Sparta Commercial Services||0||0||0||0||N/A|
Fair Isaac currently has a consensus target price of $275.00, suggesting a potential downside of 1.16%. Given Fair Isaac’s higher probable upside, equities research analysts clearly believe Fair Isaac is more favorable than Sparta Commercial Services.
Valuation & Earnings
This table compares Fair Isaac and Sparta Commercial Services’ top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Fair Isaac||$1.03 billion||7.83||$142.41 million||$4.34||64.11|
|Sparta Commercial Services||$640,000.00||3.34||-$5.57 million||N/A||N/A|
Fair Isaac has higher revenue and earnings than Sparta Commercial Services.
Fair Isaac beats Sparta Commercial Services on 10 of the 11 factors compared between the two stocks.
About Fair Isaac
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions. The company offers analytical solutions, credit scoring, and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, healthcare organizations, and public agencies. It operates through three segments: Applications, Scores, and Decision Management Software. The Applications segment offers pre-configured decision management applications designed for various business problems or processes, such as marketing, account origination, customer management, fraud, collection, and insurance claims management, as well as associated professional services. The Scores segment provides business-to-business scoring solutions and services, including myFICO solutions for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as associated professional services. The Decision Management Software segment offers analytic and decision management software tools, as well as associated professional services. The company offers a portfolio of applications, tools, and services in the cloud to clients through its FICO Analytic Cloud, FICO Decision Management Suite, and FICO Decision Management Platform. Fair Isaac Corporation markets its products and services primarily through its direct sales organization; indirect channels; subsidiary sales organizations; and resellers and independent distributors, as well as online. It operates in the United States, the United Kingdom, and internationally. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in San Jose, California.
About Sparta Commercial Services
Sparta Commercial Services, Inc. provides mobile app tools, products and services. It also provides vehicle history reports and a municipal leasing program. The company offers mobile app development, sales, marketing and support and vehicle history reports. Its mobile application offers base beyond vehicle dealers to a wide range of businesses including, but not limited to, restaurants, hotels, and grocery stores. Sparta Commercial Services was founded by Anthony L. Havens in October 2001 and is headquartered in New York, NY.
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