FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FICO - US3032501047 - Common Stock
1633.59 USD
-31.94 (-1.92%)
Overall FICO gets a fundamental rating of 6 out of 10. We evaluated FICO against 276 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 expensively, but it does show have an excellent growth rating.
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.
Each year in the past 5 years FICO has been profitable.
FICO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FICO (34.90%) is better than 98.91% of its industry peers.
Looking at the Return On Invested Capital, with a value of 73.98%, FICO belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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
With an excellent Profit Margin value of 32.75%, FICO belongs to the best of the industry, outperforming 90.94% of the companies in the same industry.
In the last couple of years the Profit Margin of FICO has grown nicely.
FICO has a Operating Margin of 47.00%. This is amongst the best in the industry. FICO outperforms 97.10% of its industry peers.
FICO's Operating Margin has improved in the last couple of years.
FICO has a better Gross Margin (82.23%) than 87.68% of its industry peers.
In the last couple of years the Gross Margin of FICO has grown nicely.
| 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
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.
Compared to 5 years ago, FICO has less shares outstanding
Compared to 1 year ago, FICO has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 12.59 indicates that FICO is not in any danger for bankruptcy at the moment.
The Altman-Z score of FICO (12.59) is better than 92.75% of its industry peers.
FICO has a debt to FCF ratio of 4.14. This is a neutral value as FICO would need 4.14 years to pay back of all of its debts.
FICO's Debt to FCF ratio of 4.14 is fine compared to the rest of the industry. FICO outperforms 60.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 12.59 |
ROIC/WACC6.81
WACC10.87%
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.
Looking at the Current ratio, with a value of 0.83, FICO is doing worse than 82.97% of the companies in the same industry.
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.
With a Quick ratio value of 0.83, FICO is not doing good in the industry: 82.61% of the companies in the same industry are doing better.
| 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
The Revenue has grown by 15.91% in the past year. This is quite good.
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
FICO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.50% yearly.
The Revenue is expected to grow by 14.69% on average over the next years. This is quite good.
EPS Next Y38.13%
EPS Next 2Y32.38%
EPS Next 3Y27.16%
EPS Next 5Y22.5%
Revenue Next Year22.24%
Revenue Next 2Y19.56%
Revenue Next 3Y16.9%
Revenue Next 5Y14.69%
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.
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
Based on the Price/Earnings ratio of 54.62, the valuation of FICO can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FICO is on the same level as its industry peers.
FICO's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.19.
With a Price/Forward Earnings ratio of 39.54, 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 expensively when we compare the Price/Forward Earnings ratio to 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 54.62 | ||
| Fwd PE | 39.54 |
4.2 Price Multiples
63.41% of the companies in the same industry are more expensive than FICO, based on the Enterprise Value to EBITDA ratio.
FICO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 52.38 | ||
| EV/EBITDA | 44.62 |
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.
FICO's earnings are expected to grow with 27.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.43
PEG (5Y)2.18
EPS Next 2Y32.38%
EPS Next 3Y27.16%
5. Dividend
5.1 Amount
No dividends for FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:FICO (1/12/2026, 1:42:08 PM)
1633.59
-31.94 (-1.92%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.06%
Inst Owner Change0.21%
Ins Owners2.44%
Ins Owner Change0.86%
Market Cap38.73B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.78
Price Target2064.81 (26.4%)
Short Float %4.53%
Short Ratio4.82
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)0.18%
PT rev (3m)7.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.25%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)13.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.57%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)5.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 54.62 | ||
| Fwd PE | 39.54 | ||
| P/S | 19.46 | ||
| P/FCF | 52.38 | ||
| P/OCF | 49.73 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 44.62 |
EPS(TTM)29.91
EY1.83%
EPS(NY)41.31
Fwd EY2.53%
FCF(TTM)31.19
FCFY1.91%
OCF(TTM)32.85
OCFY2.01%
SpS83.97
BVpS-73.63
TBVpS-106.67
PEG (NY)1.43
PEG (5Y)2.18
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 | 12.59 |
F-Score7
WACC10.87%
ROIC/WACC6.81
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 Year22.24%
Revenue Next 2Y19.56%
Revenue Next 3Y16.9%
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 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.
What are the PE and PB ratios of FAIR ISAAC CORP (FICO) stock?
The Price/Earnings (PE) ratio for FAIR ISAAC CORP (FICO) is 54.62 and the Price/Book (PB) ratio is -22.19.
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%.