FAIR ISAAC CORP (1FICO.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FICO - US3032501047 - Common Stock
1503.5 EUR
+1503.5 (+Infinity%)
Taking everything into account, 1FICO scores 6 out of 10 in our fundamental rating. 1FICO was compared to 114 industry peers in the Software industry. 1FICO scores excellent on profitability, but there are some minor concerns on its financial health. 1FICO shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
1FICO had positive earnings in the past year.
1FICO had a positive operating cash flow in the past year.
Each year in the past 5 years 1FICO has been profitable.
In the past 5 years 1FICO always reported a positive cash flow from operatings.
1.2 Ratios
1FICO has a Return On Assets of 34.90%. This is amongst the best in the industry. 1FICO outperforms 98.17% of its industry peers.
1FICO has a Return On Invested Capital of 73.98%. This is amongst the best in the industry. 1FICO outperforms 100.00% of its industry peers.
1FICO had an Average Return On Invested Capital over the past 3 years of 53.64%. This is significantly above the industry average of 13.27%.
The last Return On Invested Capital (73.98%) for 1FICO is above the 3 year average (53.64%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 34.9% | ||
| ROE | N/A | ||
| ROIC | 73.98% |
ROA(3y)30.67%
ROA(5y)28.58%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)53.64%
ROIC(5y)46.65%
1.3 Margins
1FICO's Profit Margin of 32.75% is amongst the best of the industry. 1FICO outperforms 89.91% of its industry peers.
1FICO's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 47.00%, 1FICO belongs to the top of the industry, outperforming 95.41% of the companies in the same industry.
1FICO's Operating Margin has improved in the last couple of years.
The Gross Margin of 1FICO (82.23%) is better than 72.48% of its industry peers.
1FICO's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47% | ||
| PM (TTM) | 32.75% | ||
| GM | 82.23% |
OM growth 3Y6.07%
OM growth 5Y12.28%
PM growth 3Y6.48%
PM growth 5Y12.39%
GM growth 3Y1.75%
GM growth 5Y2.67%
2. Health
2.1 Basic Checks
1FICO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, 1FICO has less shares outstanding
Compared to 5 years ago, 1FICO has less shares outstanding
The debt/assets ratio for 1FICO is higher compared to a year ago.
2.2 Solvency
1FICO has an Altman-Z score of 12.94. This indicates that 1FICO is financially healthy and has little risk of bankruptcy at the moment.
1FICO's Altman-Z score of 12.94 is amongst the best of the industry. 1FICO outperforms 93.58% of its industry peers.
1FICO has a debt to FCF ratio of 4.14. This is a neutral value as 1FICO would need 4.14 years to pay back of all of its debts.
1FICO has a Debt to FCF ratio (4.14) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 12.94 |
ROIC/WACC6.82
WACC10.84%
2.3 Liquidity
A Current Ratio of 0.83 indicates that 1FICO may have some problems paying its short term obligations.
The Current ratio of 1FICO (0.83) is worse than 79.82% of its industry peers.
A Quick Ratio of 0.83 indicates that 1FICO may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.83, 1FICO is doing worse than 78.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.99% over the past year.
The Earnings Per Share has been growing by 25.08% on average over the past years. This is a very strong growth
1FICO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.91%.
1FICO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.99% yearly.
EPS 1Y (TTM)25.99%
EPS 3Y20.14%
EPS 5Y25.08%
EPS Q2Q%18.35%
Revenue 1Y (TTM)15.91%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%13.65%
3.2 Future
The Earnings Per Share is expected to grow by 24.98% on average over the next years. This is a very strong growth
1FICO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.83% yearly.
EPS Next Y30.89%
EPS Next 2Y28.76%
EPS Next 3Y29.44%
EPS Next 5Y24.98%
Revenue Next Year18.59%
Revenue Next 2Y17.48%
Revenue Next 3Y18.84%
Revenue Next 5Y15.83%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 57.92, which means the current valuation is very expensive for 1FICO.
Compared to the rest of the industry, the Price/Earnings ratio of 1FICO is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 25.47, 1FICO is valued quite expensively.
With a Price/Forward Earnings ratio of 44.24, 1FICO can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as 1FICO.
1FICO is valuated rather expensively when we compare the Price/Forward Earnings ratio to 34.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 57.92 | ||
| Fwd PE | 44.24 |
4.2 Price Multiples
1FICO's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. 1FICO is more expensive than 65.14% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1FICO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.22 | ||
| EV/EBITDA | 46.8 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of 1FICO may justify a higher PE ratio.
A more expensive valuation may be justified as 1FICO's earnings are expected to grow with 29.44% in the coming years.
PEG (NY)1.88
PEG (5Y)2.31
EPS Next 2Y28.76%
EPS Next 3Y29.44%
5. Dividend
5.1 Amount
No dividends for 1FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FICO (11/18/2025, 7:00:00 PM)
1503.5
+1503.5 (+Infinity%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.25%
Inst Owner ChangeN/A
Ins Owners2.35%
Ins Owner ChangeN/A
Market Cap36.08B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.86
Price Target1705.45 (13.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.24%
Min EPS beat(2)3.35%
Max EPS beat(2)9.13%
EPS beat(4)3
Avg EPS beat(4)2.24%
Min EPS beat(4)-6.46%
Max EPS beat(4)9.13%
EPS beat(8)5
Avg EPS beat(8)0.38%
EPS beat(12)6
Avg EPS beat(12)-0.32%
EPS beat(16)10
Avg EPS beat(16)2.61%
Revenue beat(2)1
Avg Revenue beat(2)0.29%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)2.08%
Revenue beat(4)1
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)2.08%
Revenue beat(8)1
Avg Revenue beat(8)-1.57%
Revenue beat(12)2
Avg Revenue beat(12)-1.16%
Revenue beat(16)3
Avg Revenue beat(16)-0.91%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 57.92 | ||
| Fwd PE | 44.24 | ||
| P/S | 20.88 | ||
| P/FCF | 56.22 | ||
| P/OCF | 53.37 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 46.8 |
EPS(TTM)25.96
EY1.73%
EPS(NY)33.98
Fwd EY2.26%
FCF(TTM)26.74
FCFY1.78%
OCF(TTM)28.17
OCFY1.87%
SpS72.01
BVpS-63.14
TBVpS-91.48
PEG (NY)1.88
PEG (5Y)2.31
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 34.9% | ||
| ROE | N/A | ||
| ROCE | 91.84% | ||
| ROIC | 73.98% | ||
| ROICexc | 85.19% | ||
| ROICexgc | 743.07% | ||
| OM | 47% | ||
| PM (TTM) | 32.75% | ||
| GM | 82.23% | ||
| FCFM | 37.14% |
ROA(3y)30.67%
ROA(5y)28.58%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)53.64%
ROIC(5y)46.65%
ROICexc(3y)61.06%
ROICexc(5y)53.77%
ROICexgc(3y)354.45%
ROICexgc(5y)571.57%
ROCE(3y)66.59%
ROCE(5y)57.92%
ROICexgc growth 3Y53.89%
ROICexgc growth 5Y41.9%
ROICexc growth 3Y23.98%
ROICexc growth 5Y26.25%
OM growth 3Y6.07%
OM growth 5Y12.28%
PM growth 3Y6.48%
PM growth 5Y12.39%
GM growth 3Y1.75%
GM growth 5Y2.67%
F-Score7
Asset Turnover1.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Debt/EBITDA | 2.8 | ||
| Cap/Depr | 263.56% | ||
| Cap/Sales | 1.98% | ||
| Interest Coverage | 9.04 | ||
| Cash Conversion | 81.92% | ||
| Profit Quality | 113.41% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 12.94 |
F-Score7
WACC10.84%
ROIC/WACC6.82
Cap/Depr(3y)173.05%
Cap/Depr(5y)115.64%
Cap/Sales(3y)1.38%
Cap/Sales(5y)1.03%
Profit Quality(3y)112.89%
Profit Quality(5y)115.92%
High Growth Momentum
Growth
EPS 1Y (TTM)25.99%
EPS 3Y20.14%
EPS 5Y25.08%
EPS Q2Q%18.35%
EPS Next Y30.89%
EPS Next 2Y28.76%
EPS Next 3Y29.44%
EPS Next 5Y24.98%
Revenue 1Y (TTM)15.91%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%13.65%
Revenue Next Year18.59%
Revenue Next 2Y17.48%
Revenue Next 3Y18.84%
Revenue Next 5Y15.83%
EBIT growth 1Y27.55%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year20.02%
EBIT Next 3Y25.54%
EBIT Next 5Y21.93%
FCF growth 1Y21.73%
FCF growth 3Y13.67%
FCF growth 5Y16.61%
OCF growth 1Y23.04%
OCF growth 3Y15.2%
OCF growth 5Y16.37%
FAIR ISAAC CORP / 1FICO.MI FAQ
What is the ChartMill fundamental rating of FAIR ISAAC CORP (1FICO.MI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1FICO.MI.
What is the valuation status for 1FICO stock?
ChartMill assigns a valuation rating of 2 / 10 to FAIR ISAAC CORP (1FICO.MI). This can be considered as Overvalued.
What is the profitability of 1FICO stock?
FAIR ISAAC CORP (1FICO.MI) has a profitability rating of 9 / 10.
Can you provide the PE and PB ratios for 1FICO stock?
The Price/Earnings (PE) ratio for FAIR ISAAC CORP (1FICO.MI) is 57.92 and the Price/Book (PB) ratio is -23.81.
Can you provide the expected EPS growth for 1FICO stock?
The Earnings per Share (EPS) of FAIR ISAAC CORP (1FICO.MI) is expected to grow by 30.89% in the next year.