Critical Review: Ucommune International (NASDAQ:UK) versus Fair Isaac (NYSE:FICO)

Ucommune International (NASDAQ:UK) and Fair Isaac (NYSE:FICO) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.

Dividends

Ucommune International pays an annual dividend of $0.64 per share and has a dividend yield of 54.0%. Fair Isaac pays an annual dividend of $0.08 per share and has a dividend yield of 0.0%. Fair Isaac pays out 0.4% of its earnings in the form of a dividend.

Risk & Volatility

Ucommune International has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, Fair Isaac has a beta of 1.39, indicating that its stock price is 39% more volatile than the S&P 500.

Profitability

This table compares Ucommune International and Fair Isaac’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ucommune International	N/A	N/A	N/A
Fair Isaac	30.66%	-53.40%	28.63%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Ucommune International and Fair Isaac, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ucommune International	0	0	0	0	0.00
Fair Isaac	0	5	8	0	2.62

Fair Isaac has a consensus target price of $2,078.15, indicating a potential upside of 20.15%. Given Fair Isaac’s stronger consensus rating and higher possible upside, analysts plainly believe Fair Isaac is more favorable than Ucommune International.

Institutional & Insider Ownership

36.9% of Ucommune International shares are owned by institutional investors. Comparatively, 85.8% of Fair Isaac shares are owned by institutional investors. 14.2% of Ucommune International shares are owned by company insiders. Comparatively, 3.5% of Fair Isaac shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Ucommune International and Fair Isaac”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ucommune International	$308.63 million	0.00	-$690,000.00	N/A	N/A
Fair Isaac	$1.78 billion	23.79	$512.81 million	$21.79	79.38

Fair Isaac has higher revenue and earnings than Ucommune International.

Summary

Fair Isaac beats Ucommune International on 10 of the 14 factors compared between the two stocks.

About Ucommune International

Ucommune International Ltd manages and provides agile office spaces in China. It operates self-operated and asset-light models. The company also provides individual services, such as catering, fitness, healthcare, training, and entertainment; general corporate services, such as corporate secretary, human resources, legal, finance, IT support, and tax services; incubation and corporate venturing services; design and build services; advertising and branding services; and related services. It serves individuals and enterprises. The company operates under the Ucommune brand. Ucommune International Ltd was founded in 2015 and is based in Beijing, the People's Republic of China.

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.