FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
NYSE:FICO • US3032501047
1409.36 USD
+20.92 (+1.51%)
At close: Feb 27, 2026
1409.36 USD
0 (0%)
After Hours: 2/27/2026, 6:30:00 PM
Overall FICO gets a fundamental rating of 6 out of 10. We evaluated FICO against 274 industry peers in the Software industry. While FICO has a great profitability rating, there are some minor concerns on its financial health. FICO is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
- In the past year FICO was profitable.
- In the past year FICO had a positive cash flow from operations.
- Each year in the past 5 years FICO has been profitable.
- In the past 5 years FICO always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 35.48%, FICO belongs to the top of the industry, outperforming 98.91% of the companies in the same industry.
- FICO's Return On Invested Capital of 72.38% is amongst the best of the industry. FICO outperforms 100.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for FICO is significantly above the industry average of 10.80%.
- The 3 year average ROIC (53.64%) for FICO is below the current ROIC(72.38%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.48% | ||
| ROE | N/A | ||
| ROIC | 72.38% |
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
- FICO has a Profit Margin of 31.89%. This is amongst the best in the industry. FICO outperforms 90.88% of its industry peers.
- In the last couple of years the Profit Margin of FICO has grown nicely.
- FICO has a better Operating Margin (48.01%) than 97.08% of its industry peers.
- FICO's Operating Margin has improved in the last couple of years.
- FICO has a better Gross Margin (82.86%) than 87.59% of its industry peers.
- FICO's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 48.01% | ||
| PM (TTM) | 31.89% | ||
| GM | 82.86% |
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
- FICO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- The number of shares outstanding for FICO has been reduced compared to 1 year ago.
- The number of shares outstanding for FICO has been reduced compared to 5 years ago.
- The debt/assets ratio for FICO is higher compared to a year ago.
2.2 Solvency
- FICO has an Altman-Z score of 11.79. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
- FICO has a better Altman-Z score (11.79) than 92.70% of its industry peers.
- The Debt to FCF ratio of FICO is 4.45, which is a neutral value as it means it would take FICO, 4.45 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.45, FICO is in line with its industry, outperforming 59.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | 11.79 |
ROIC/WACC6.71
WACC10.79%
2.3 Liquidity
- A Current Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
- FICO has a worse Current ratio (0.93) than 77.37% of its industry peers.
- A Quick Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
- FICO has a Quick ratio of 0.93. This is in the lower half of the industry: FICO underperforms 77.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. Growth
3.1 Past
- FICO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.22%, which is quite impressive.
- Measured over the past years, FICO shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.08% on average per year.
- Looking at the last year, FICO shows a quite strong growth in Revenue. The Revenue has grown by 16.19% in the last year.
- FICO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.99% yearly.
EPS 1Y (TTM)27.22%
EPS 3Y20.14%
EPS 5Y25.08%
EPS Q2Q%26.6%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
3.2 Future
- The Earnings Per Share is expected to grow by 24.15% on average over the next years. This is a very strong growth
- FICO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.57% yearly.
EPS Next Y41.09%
EPS Next 2Y34.82%
EPS Next 3Y29.25%
EPS Next 5Y24.15%
Revenue Next Year24.41%
Revenue Next 2Y21.24%
Revenue Next 3Y18.52%
Revenue Next 5Y15.57%
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
- A Price/Earnings ratio of 44.81 indicates a quite expensive valuation of FICO.
- The rest of the industry has a similar Price/Earnings ratio as FICO.
- Compared to an average S&P500 Price/Earnings ratio of 27.10, FICO is valued quite expensively.
- Based on the Price/Forward Earnings ratio of 25.93, the valuation of FICO can be described as expensive.
- The rest of the industry has a similar Price/Forward Earnings ratio as FICO.
- FICO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 44.81 | ||
| Fwd PE | 25.93 |
4.2 Price Multiples
- FICO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FICO is cheaper than 60.58% of the companies in the same industry.
- FICO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.56 | ||
| EV/EBITDA | 35.76 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The excellent profitability rating of FICO may justify a higher PE ratio.
- A more expensive valuation may be justified as FICO's earnings are expected to grow with 29.25% in the coming years.
PEG (NY)1.09
PEG (5Y)1.79
EPS Next 2Y34.82%
EPS Next 3Y29.25%
5. Dividend
5.1 Amount
- No dividends for FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1409.36
+20.92 (+1.51%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-27 2026-04-27/amc
Inst Owners91.06%
Inst Owner Change17.6%
Ins Owners2.44%
Ins Owner Change0.92%
Market Cap33.43B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts77.78
Price Target2048.68 (45.36%)
Short Float %5.59%
Short Ratio4.66
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)2.57%
Min EPS beat(2)1.8%
Max EPS beat(2)3.35%
EPS beat(4)4
Avg EPS beat(4)4.3%
Min EPS beat(4)1.8%
Max EPS beat(4)9.13%
EPS beat(8)6
Avg EPS beat(8)1.47%
EPS beat(12)7
Avg EPS beat(12)-0.17%
EPS beat(16)10
Avg EPS beat(16)2.23%
Revenue beat(2)1
Avg Revenue beat(2)-0.68%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)0.14%
Revenue beat(4)2
Avg Revenue beat(4)-0.36%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)2.08%
Revenue beat(8)2
Avg Revenue beat(8)-1.04%
Revenue beat(12)3
Avg Revenue beat(12)-1%
Revenue beat(16)4
Avg Revenue beat(16)-0.68%
PT rev (1m)-0.12%
PT rev (3m)0.72%
EPS NQ rev (1m)1.61%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)1.96%
EPS NY rev (3m)7.8%
Revenue NQ rev (1m)1.73%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)1.49%
Revenue NY rev (3m)4.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 44.81 | ||
| Fwd PE | 25.93 | ||
| P/S | 16.21 | ||
| P/FCF | 46.56 | ||
| P/OCF | 44.05 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 35.76 |
EPS(TTM)31.45
EY2.23%
EPS(NY)54.36
Fwd EY3.86%
FCF(TTM)30.27
FCFY2.15%
OCF(TTM)31.99
OCFY2.27%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)1.09
PEG (5Y)1.79
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.48% | ||
| ROE | N/A | ||
| ROCE | 89.86% | ||
| ROIC | 72.38% | ||
| ROICexc | 84.86% | ||
| ROICexgc | 509.56% | ||
| OM | 48.01% | ||
| PM (TTM) | 31.89% | ||
| GM | 82.86% | ||
| FCFM | 34.8% |
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 Turnover1.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.45 | ||
| Debt/EBITDA | 2.78 | ||
| Cap/Depr | 265.27% | ||
| Cap/Sales | 1.98% | ||
| Interest Coverage | 7.14 | ||
| Cash Conversion | 75.46% | ||
| Profit Quality | 109.15% | ||
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 | ||
| Altman-Z | 11.79 |
F-Score7
WACC10.79%
ROIC/WACC6.71
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)27.22%
EPS 3Y20.14%
EPS 5Y25.08%
EPS Q2Q%26.6%
EPS Next Y41.09%
EPS Next 2Y34.82%
EPS Next 3Y29.25%
EPS Next 5Y24.15%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year24.41%
Revenue Next 2Y21.24%
Revenue Next 3Y18.52%
Revenue Next 5Y15.57%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year34.12%
EBIT Next 3Y24.65%
EBIT Next 5Y22.08%
FCF growth 1Y44.95%
FCF growth 3Y13.67%
FCF growth 5Y16.61%
OCF growth 1Y52.21%
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 44.81 and the Price/Book (PB) ratio is -18.49.
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%.