FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FICO - US3032501047 - Common Stock
1786.68 USD
+18 (+1.02%)
Overall FICO gets a fundamental rating of 6 out of 10. We evaluated FICO against 281 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 valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
FICO had positive earnings in the past year.
In the past year FICO had a positive cash flow from operations.
In the past 5 years FICO has always been profitable.
FICO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 34.90%, FICO belongs to the top of the industry, outperforming 98.58% of the companies in the same industry.
The Return On Invested Capital of FICO (73.98%) is better than 99.64% 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 12.03%.
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
Looking at the Profit Margin, with a value of 32.75%, FICO belongs to the top of the industry, outperforming 91.81% of the companies in the same industry.
FICO's Profit Margin has improved in the last couple of years.
FICO's Operating Margin of 47.00% is amongst the best of the industry. FICO outperforms 97.15% of its industry peers.
In the last couple of years the Operating Margin of FICO has grown nicely.
FICO has a Gross Margin of 82.23%. This is amongst the best in the industry. FICO outperforms 87.90% 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FICO is creating value.
Compared to 1 year ago, FICO has less shares outstanding
FICO has less shares outstanding than it did 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 13.00. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
FICO has a better Altman-Z score (13.00) than 90.75% 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.
The Debt to FCF ratio of FICO (4.14) is better than 60.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 13 |
ROIC/WACC6.95
WACC10.65%
2.3 Liquidity
FICO has a Current 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.
FICO's Current ratio of 0.83 is on the low side compared to the rest of the industry. FICO is outperformed by 81.85% 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.
FICO has a Quick ratio of 0.83. This is amonst the worse of the industry: FICO underperforms 81.49% 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
FICO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.91%.
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 Y30.89%
EPS Next 2Y28.76%
EPS Next 3Y28.68%
EPS Next 5Y22.5%
Revenue Next Year18.59%
Revenue Next 2Y17.48%
Revenue Next 3Y18.18%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
FICO is valuated quite expensively with a Price/Earnings ratio of 59.74.
FICO's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.11, FICO is valued quite expensively.
With a Price/Forward Earnings ratio of 45.64, FICO can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as FICO.
FICO is valuated rather expensively when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 59.74 | ||
| Fwd PE | 45.64 |
4.2 Price Multiples
FICO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FICO is cheaper than 62.63% of the companies in the same industry.
FICO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.29 | ||
| EV/EBITDA | 47.19 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FICO does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of FICO may justify a higher PE ratio.
FICO's earnings are expected to grow with 28.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.93
PEG (5Y)2.38
EPS Next 2Y28.76%
EPS Next 3Y28.68%
5. Dividend
5.1 Amount
FICO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:FICO (12/2/2025, 2:42:08 PM)
1786.68
+18 (+1.02%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.25%
Inst Owner Change2.31%
Ins Owners2.35%
Ins Owner Change0.59%
Market Cap42.36B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.86
Price Target2034.12 (13.85%)
Short Float %4.64%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)5.8%
PT rev (3m)5.28%
EPS NQ rev (1m)0.98%
EPS NQ rev (3m)-0.23%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)7.9%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)-0.57%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)4.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 59.74 | ||
| Fwd PE | 45.64 | ||
| P/S | 21.28 | ||
| P/FCF | 57.29 | ||
| P/OCF | 54.39 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 47.19 |
EPS(TTM)29.91
EY1.67%
EPS(NY)39.15
Fwd EY2.19%
FCF(TTM)31.19
FCFY1.75%
OCF(TTM)32.85
OCFY1.84%
SpS83.97
BVpS-73.63
TBVpS-106.67
PEG (NY)1.93
PEG (5Y)2.38
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 | 13 |
F-Score7
WACC10.65%
ROIC/WACC6.95
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 3Y28.68%
EPS Next 5Y22.5%
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 3Y18.18%
Revenue Next 5Y14.69%
EBIT growth 1Y27.55%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year20.02%
EBIT Next 3Y25.19%
EBIT Next 5Y19.56%
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 for FICO stock?
ChartMill assigns a valuation rating of 3 / 10 to FAIR ISAAC CORP (FICO). This can be considered as Overvalued.
Can you provide the profitability details for FAIR ISAAC CORP?
FAIR ISAAC CORP (FICO) has a profitability rating of 9 / 10.
Can you provide the expected EPS growth for FICO stock?
The Earnings per Share (EPS) of FAIR ISAAC CORP (FICO) is expected to grow by 30.89% in the next year.
Can you provide the dividend sustainability for FICO stock?
The dividend rating of FAIR ISAAC CORP (FICO) is 0 / 10 and the dividend payout ratio is 0%.