FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FICO - US3032501047 - Common Stock
1494.5 USD
-72.69 (-4.64%)
1496.99 USD
+2.49 (+0.17%)
Overall FICO gets a fundamental rating of 6 out of 10. We evaluated FICO against 277 industry peers in the Software industry. While FICO belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. FICO is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- FICO had positive earnings in the past year.
- FICO had a positive operating cash flow in the past year.
- Each year in the past 5 years FICO has been profitable.
- Each year in the past 5 years FICO had a positive operating cash flow.
1.2 Ratios
- FICO has a better Return On Assets (34.90%) than 98.92% of its industry peers.
- The Return On Invested Capital of FICO (73.98%) is better than 100.00% of its industry peers.
- FICO had an Average Return On Invested Capital over the past 3 years of 53.64%. This is significantly above the industry average of 10.78%.
- The 3 year average ROIC (53.64%) for FICO is below the current ROIC(73.98%), indicating increased profibility in the last year.
| 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
- The Profit Margin of FICO (32.75%) is better than 90.97% of its industry peers.
- In the last couple of years the Profit Margin of FICO has grown nicely.
- FICO has a better Operating Margin (47.00%) than 97.11% of its industry peers.
- FICO's Operating Margin has improved in the last couple of years.
- The Gross Margin of FICO (82.23%) is better than 87.36% of its industry peers.
- FICO'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
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FICO is creating value.
- FICO has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, FICO has less shares outstanding
- FICO has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 11.92 indicates that FICO is not in any danger for bankruptcy at the moment.
- The Altman-Z score of FICO (11.92) is better than 92.78% of its industry peers.
- The Debt to FCF ratio of FICO is 4.14, which is a neutral value as it means it would take FICO, 4.14 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 4.14, FICO is doing good in the industry, outperforming 61.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 11.92 |
ROIC/WACC6.76
WACC10.95%
2.3 Liquidity
- A Current Ratio of 0.83 indicates that FICO may have some problems paying its short term obligations.
- FICO has a Current ratio of 0.83. This is amonst the worse of the industry: FICO underperforms 83.03% of its industry peers.
- FICO has a Quick Ratio of 0.83. This is a bad value and indicates that FICO is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Quick ratio of FICO (0.83) is worse than 82.67% of its industry peers.
| 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
- Looking at the last year, FICO shows a quite strong growth in Revenue. The Revenue has grown by 15.91% in the last year.
- The Revenue has been growing by 8.99% on average over the past years. This is quite good.
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 22.50% on average over the next years. This is a very strong growth
- Based on estimates for the next years, FICO will show a quite strong growth in Revenue. The Revenue will grow by 14.69% on average per year.
EPS Next Y38.13%
EPS Next 2Y32.38%
EPS Next 3Y27.16%
EPS Next 5Y22.5%
Revenue Next Year22.58%
Revenue Next 2Y19.89%
Revenue Next 3Y17.29%
Revenue Next 5Y14.69%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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
- FICO is valuated quite expensively with a Price/Earnings ratio of 49.97.
- FICO's Price/Earnings is on the same level as the industry average.
- FICO is valuated expensively when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- FICO is valuated quite expensively with a Price/Forward Earnings ratio of 36.17.
- The rest of the industry has a similar Price/Forward Earnings ratio as FICO.
- FICO is valuated expensively when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 49.97 | ||
| Fwd PE | 36.17 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FICO indicates a somewhat cheap valuation: FICO is cheaper than 63.18% of the companies listed in the same industry.
- FICO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.92 | ||
| EV/EBITDA | 40.35 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- FICO has an outstanding profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as FICO's earnings are expected to grow with 27.16% in the coming years.
PEG (NY)1.31
PEG (5Y)1.99
EPS Next 2Y32.38%
EPS Next 3Y27.16%
5. Dividend
5.1 Amount
- FICO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1494.5
-72.69 (-4.64%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners91.06%
Inst Owner Change0.41%
Ins Owners2.44%
Ins Owner Change0.95%
Market Cap35.43B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.78
Price Target2051.14 (37.25%)
Short Float %4.37%
Short Ratio4.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
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)-0.49%
PT rev (3m)6.69%
EPS NQ rev (1m)-0.94%
EPS NQ rev (3m)-0.26%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)13.86%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)6.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 49.97 | ||
| Fwd PE | 36.17 | ||
| P/S | 17.8 | ||
| P/FCF | 47.92 | ||
| P/OCF | 45.5 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 40.35 |
EPS(TTM)29.91
EY2%
EPS(NY)41.31
Fwd EY2.76%
FCF(TTM)31.19
FCFY2.09%
OCF(TTM)32.85
OCFY2.2%
SpS83.97
BVpS-73.63
TBVpS-106.67
PEG (NY)1.31
PEG (5Y)1.99
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 | 11.92 |
F-Score7
WACC10.95%
ROIC/WACC6.76
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 Y38.13%
EPS Next 2Y32.38%
EPS Next 3Y27.16%
EPS Next 5Y22.5%
Revenue 1Y (TTM)15.91%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%13.65%
Revenue Next Year22.58%
Revenue Next 2Y19.89%
Revenue Next 3Y17.29%
Revenue Next 5Y14.69%
EBIT growth 1Y27.55%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year32.76%
EBIT Next 3Y24.01%
EBIT Next 5Y19.58%
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 / FICO FAQ
What is the ChartMill fundamental rating of FAIR ISAAC CORP (FICO) stock?
ChartMill assigns a fundamental rating of 6 / 10 to FICO.
What is the valuation status of FAIR ISAAC CORP (FICO) stock?
ChartMill assigns a valuation rating of 4 / 10 to FAIR ISAAC CORP (FICO). This can be considered as Fairly Valued.
Can you provide the profitability details for FAIR ISAAC CORP?
FAIR ISAAC CORP (FICO) has a profitability rating of 9 / 10.
What are the PE and PB ratios of FAIR ISAAC CORP (FICO) stock?
The Price/Earnings (PE) ratio for FAIR ISAAC CORP (FICO) is 49.97 and the Price/Book (PB) ratio is -20.3.
Is the dividend of FAIR ISAAC CORP sustainable?
The dividend rating of FAIR ISAAC CORP (FICO) is 0 / 10 and the dividend payout ratio is 0%.