FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation
NYSE:FICO • US3032501047
1165.23 USD
-119.92 (-9.33%)
At close: Mar 11, 2026
1158 USD
-7.23 (-0.62%)
After Hours: 3/11/2026, 8:04:00 PM
This FICO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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 growing strongly while it is still valued neutral. This is a good combination!
1. FICO Profitability Analysis
1.1 Basic Checks
- In the past year FICO was profitable.
- In the past year FICO had a positive cash flow from operations.
- In the past 5 years FICO has always been profitable.
- Each year in the past 5 years FICO had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of FICO (35.48%) is better than 98.92% of its industry peers.
- FICO's Return On Invested Capital of 72.38% is amongst the best of the industry. FICO outperforms 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 10.89%.
- The last Return On Invested Capital (72.38%) for FICO is above the 3 year average (53.64%), which is a sign of increasing profitability.
| 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's Profit Margin of 31.89% is amongst the best of the industry. FICO outperforms 92.78% of its industry peers.
- In the last couple of years the Profit Margin of FICO has grown nicely.
- FICO has a Operating Margin of 48.01%. This is amongst the best in the industry. FICO outperforms 98.92% of its industry peers.
- FICO's Operating Margin has improved in the last couple of years.
- With an excellent Gross Margin value of 82.86%, FICO belongs to the best of the industry, outperforming 87.73% of the companies in the same industry.
- 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. FICO Health Analysis
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 11.39. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 11.39, FICO belongs to the best of the industry, outperforming 92.78% of the companies in the same industry.
- FICO has a debt to FCF ratio of 4.45. This is a neutral value as FICO would need 4.45 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 4.45, FICO perfoms like the industry average, outperforming 59.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | 11.39 |
ROIC/WACC6.75
WACC10.72%
2.3 Liquidity
- A Current Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
- FICO has a Current ratio of 0.93. This is in the lower half of the industry: FICO underperforms 78.70% of its industry peers.
- A Quick Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.93, FICO is doing worse than 77.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. FICO Growth Analysis
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.
- 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 16.19%.
- 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
- FICO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.05% yearly.
- FICO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.06% yearly.
EPS Next Y43.15%
EPS Next 2Y34.96%
EPS Next 3Y29.15%
EPS Next 5Y24.05%
Revenue Next Year25.35%
Revenue Next 2Y21.18%
Revenue Next 3Y18.14%
Revenue Next 5Y15.06%
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. FICO Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 37.05, FICO can be considered very expensive at the moment.
- FICO's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 26.15, FICO is valued a bit more expensive.
- Based on the Price/Forward Earnings ratio of 21.39, the valuation of FICO can be described as rather expensive.
- FICO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FICO is cheaper than 61.01% of the companies in the same industry.
- FICO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.05 | ||
| Fwd PE | 21.39 |
4.2 Price Multiples
- FICO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FICO is cheaper than 64.62% of the companies in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as FICO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.5 | ||
| EV/EBITDA | 33.33 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FICO has an outstanding profitability rating, which may justify a higher PE ratio.
- FICO's earnings are expected to grow with 29.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)1.48
EPS Next 2Y34.96%
EPS Next 3Y29.15%
5. FICO Dividend Analysis
5.1 Amount
- No dividends for FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FICO Fundamentals: All Metrics, Ratios and Statistics
1165.23
-119.92 (-9.33%)
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 Owners91.16%
Inst Owner Change17.64%
Ins Owners2.57%
Ins Owner Change2.07%
Market Cap27.64B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts78.57
Price Target2022.39 (73.56%)
Short Float %5.85%
Short Ratio4.6
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)-1.28%
PT rev (3m)-1.88%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)1.46%
EPS NY rev (3m)3.19%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)2.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.05 | ||
| Fwd PE | 21.39 | ||
| P/S | 13.4 | ||
| P/FCF | 38.5 | ||
| P/OCF | 36.42 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 33.33 |
EPS(TTM)31.45
EY2.7%
EPS(NY)54.48
Fwd EY4.68%
FCF(TTM)30.27
FCFY2.6%
OCF(TTM)31.99
OCFY2.75%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.86
PEG (5Y)1.48
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 | 11.39 |
F-Score7
WACC10.72%
ROIC/WACC6.75
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 Y43.15%
EPS Next 2Y34.96%
EPS Next 3Y29.15%
EPS Next 5Y24.05%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year25.35%
Revenue Next 2Y21.18%
Revenue Next 3Y18.14%
Revenue Next 5Y15.06%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year39.53%
EBIT Next 3Y26.18%
EBIT Next 5Y21.26%
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 37.05 and the Price/Book (PB) ratio is -15.29.
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%.