Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Toast, Inc. or Fair Isaac Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Toast, Inc. and Fair Isaac Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Toast, Inc. and Fair Isaac Corporation

Toast, Inc. operates a cloud-based digital technology platform for the restaurant industry in the United States, Ireland, India, and internationally. It offers a platform of software-as-a-service for restaurant operations and point of sale, such as Toast POS; Toast IQ, a conversational artificial intelligence; vendor management; multi-location management; kitchen display system; online ordering and delivery. It offers payroll and team management; inventory and supply chain tools; xtraCHEF by toast, a set of back-office tools for restaurants, including accounts payable automation, inventory management, ingredient price tracking, and recipe costing; financial technology solutions, including integrated payment processing, and restaurant-grade hardware. The company was formerly known as Opti Systems, Inc. and changed its name to Toast, Inc. in May 2012. Toast, Inc. was incorporated in 2011 and is headquartered in Boston, Massachusetts.

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. 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 Bozeman, Montana.

Latest Financial Services and Toast, Inc., Fair Isaac Corporation Stock News

As of September 4, 2026, Toast, Inc. had a $19.6 billion market capitalization, compared to the Financial Services median of $2.4 million. Toast, Inc.’s stock is down 4.4% in 2026, down 3.4% in the previous five trading days and down 17.42% in the past year.

Currently, Toast, Inc.’s price-earnings ratio is 43.2. Toast, Inc.’s trailing 12-month revenue is $6.8 billion with a 7.1% net profit margin. Year-over-year quarterly sales growth most recently was 23.1%. Analysts expect adjusted earnings to reach $1.387 per share for the current fiscal year. Toast, Inc. does not currently pay a dividend.

As of September 4, 2026, Fair Isaac Corporation had a $20.1 billion market cap, putting it in the 86th percentile of all stocks. Fair Isaac Corporation’s stock is down 44.9% in 2026, down 19.2% in the previous five trading days and down 38.62% in the past year.

Currently, Fair Isaac Corporation’s price-earnings ratio is 27.0. Fair Isaac Corporation’s trailing 12-month revenue is $2.4 billion with a 34.1% net profit margin. Year-over-year quarterly sales growth most recently was 25.7%. Analysts expect adjusted earnings to reach $42.972 per share for the current fiscal year. Fair Isaac Corporation does not currently pay a dividend.

How We Compare Toast, Inc. and Fair Isaac Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Toast, Inc. and Fair Isaac Corporation’s stock grades to see how they measure up against one another.

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Toast, Inc. and Fair Isaac Corporation Stock Value Grades

Company	Ticker	Value
Toast, Inc.	TOST	F
Fair Isaac Corporation	FICO	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Toast, Inc. has a Value Score of 15, which is Ultra Expensive. Fair Isaac Corporation has a Value Score of 28, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Toast, Inc. or Fair Isaac Corporation has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Toast, Inc. or Fair Isaac Corporation is the better investment when it comes to value.

Toast, Inc. and Fair Isaac Corporation Growth Grades

Company	Ticker	Growth
Toast, Inc.	TOST	D
Fair Isaac Corporation	FICO	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Toast, Inc. has a Growth Score of 40, which is Weak. Fair Isaac Corporation has a Growth Score of 100, which is Very Strong.

The Growth Grade Winner: Fair Isaac Corporation

As you can clearly see from the Growth Grade breakdown above, Fair Isaac Corporation has a more attractive growth grade than Toast, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Fair Isaac Corporation could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Toast, Inc. and Fair Isaac Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Toast, Inc.	TOST	C
Fair Isaac Corporation	FICO	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Toast, Inc. has a Earnings Estimate Score of 58, which is Neutral. Fair Isaac Corporation has a Earnings Estimate Score of 44, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Toast, Inc. or Fair Isaac Corporation has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Toast, Inc. or Fair Isaac Corporation is the better investment when it comes to estimate revisions.

Other Toast, Inc. and Fair Isaac Corporation Grades

In addition to Value, Growth and Estimate Revisions, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Toast, Inc. and Fair Isaac Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Toast, Inc. or Fair Isaac Corporation Stock?

Overall, Toast, Inc. stock has a Value Score of 15, Growth Score of 40 and Estimate Revisions Score of 58.

Fair Isaac Corporation stock has a Value Score of 28, Growth Score of 100 and Estimate Revisions Score of 44.

Comparing Toast, Inc. and Fair Isaac Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.