Medical Cannabis Payment Solutions (OTCMKTS:REFG) vs. Fair Isaac (NYSE:FICO) Head to Head Contrast

Fair Isaac (NYSE:FICO) and Medical Cannabis Payment Solutions (OTCMKTS:REFG) are both computer and technology companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, earnings, profitability, valuation, risk, institutional ownership and dividends.

Volatility & Risk

Fair Isaac has a beta of 1.39, meaning that its share price is 39% more volatile than the S&P 500. Comparatively, Medical Cannabis Payment Solutions has a beta of 0.07, meaning that its share price is 93% less volatile than the S&P 500.

Valuation & Earnings

This table compares Fair Isaac and Medical Cannabis Payment Solutions”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fair Isaac	$1.72 billion	25.47	$512.81 million	$21.79	82.22
Medical Cannabis Payment Solutions	N/A	N/A	-$30,000.00	N/A	N/A

Fair Isaac has higher revenue and earnings than Medical Cannabis Payment Solutions.

Profitability

This table compares Fair Isaac and Medical Cannabis Payment Solutions’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fair Isaac	30.66%	-53.40%	28.63%
Medical Cannabis Payment Solutions	N/A	N/A	N/A

Insider and Institutional Ownership

85.8% of Fair Isaac shares are held by institutional investors. 3.5% of Fair Isaac shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and target prices for Fair Isaac and Medical Cannabis Payment Solutions, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fair Isaac	0	5	8	0	2.62
Medical Cannabis Payment Solutions	0	0	0	0	0.00

Fair Isaac presently has a consensus price target of $2,078.15, indicating a potential upside of 16.00%. Given Fair Isaac’s stronger consensus rating and higher probable upside, equities analysts clearly believe Fair Isaac is more favorable than Medical Cannabis Payment Solutions.

Summary

Fair Isaac beats Medical Cannabis Payment Solutions on 10 of the 11 factors compared between the two stocks.

About Fair Isaac

Fair Isaac Corporation develops analytic, software, and digital decisioning technologies and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The 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, financial crimes compliance, 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. The Scores segment provides business-to-business scoring solutions and services for consumers 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. It offers FICO Customer Analytics, FICO Responsible AI, FICO Advisors, FICO Business Outcome Simulator, FICO Forecaster, FICO TRIAD Customer Manager, FICO Blaze Advisor, FICO Xpress Optimization, FICO Falcon Fraud Manager, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Decision Optimizer, and FICO Strategy Director, as well as software implementation and configuration services. The company 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.

About Medical Cannabis Payment Solutions

Medical Cannabis Payment Solutions, Inc. develops and markets a payment system for medical cannabis transactions. Its solution assists in the state tracking of sales, collection of tax, and supervision of sales to consumers. The company was incorporated in 2013 and is based in Cheyenne, Wyoming. On August 12, 2024, Medical Cannabis Payment Solutions, Inc. filed a voluntary petition for liquidation under Chapter 7 in the U.S. Bankruptcy Court for the Western District of Pennsylvania.