FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation

NYSE:FICO • US3032501047

Current stock price

1090.85 USD
+1.09 (+0.1%)
Last:

This FICO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

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.
  • 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.
FICO Yearly Net Income VS EBIT VS OCF VS FCFFICO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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.
  • FICO had an Average Return On Invested Capital over the past 3 years of 53.64%. This is significantly above the industry average of 10.99%.
  • 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 RankSector 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%
FICO Yearly ROA, ROE, ROICFICO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300

1.3 Margins

  • FICO has a better Profit Margin (31.89%) than 93.45% of its industry peers.
  • FICO's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 48.01%, FICO belongs to the best of the industry, outperforming 98.91% of the companies in the same industry.
  • FICO's Operating Margin has improved in the last couple of years.
  • The Gross Margin of FICO (82.86%) is better than 88.36% of its industry peers.
  • In the last couple of years the Gross Margin of FICO has grown nicely.
Industry RankSector 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%
FICO Yearly Profit, Operating, Gross MarginsFICO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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4

2. FICO Health Analysis

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.
  • Compared to 1 year ago, FICO has less shares outstanding
  • Compared to 5 years ago, FICO has less shares outstanding
  • Compared to 1 year ago, FICO has a worse debt to assets ratio.
FICO Yearly Shares OutstandingFICO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
FICO Yearly Total Debt VS Total AssetsFICO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • FICO has an Altman-Z score of 10.63. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
  • FICO has a better Altman-Z score (10.63) than 93.09% 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.
  • FICO has a Debt to FCF ratio (4.45) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.45
Altman-Z 10.63
ROIC/WACC6.75
WACC10.72%
FICO Yearly LT Debt VS Equity VS FCFFICO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

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 78.55% of its industry peers.
  • FICO has a Quick Ratio of 0.93. 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 (0.93) is worse than 77.82% of its industry peers.
Industry RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
FICO Yearly Current Assets VS Current LiabilitesFICO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

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
  • The Revenue has grown by 16.19% in the past year. This is quite good.
  • Measured over the past years, FICO shows a quite strong growth in Revenue. The Revenue has been growing by 8.99% on average per year.
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 24.05% 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 15.06% on average per year.
EPS Next Y43.15%
EPS Next 2Y34.96%
EPS Next 3Y29.15%
EPS Next 5Y24.05%
Revenue Next Year24.95%
Revenue Next 2Y20.91%
Revenue Next 3Y17.19%
Revenue Next 5Y15.06%

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.
FICO Yearly Revenue VS EstimatesFICO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B 4B
FICO Yearly EPS VS EstimatesFICO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20 40 60 80

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Find the best growth stocksShow best growing peers

4

4. FICO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 34.69 indicates a quite expensive valuation of FICO.
  • The rest of the industry has a similar Price/Earnings ratio as FICO.
  • FICO's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.17.
  • A Price/Forward Earnings ratio of 20.02 indicates a rather expensive valuation of FICO.
  • FICO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FICO is cheaper than 62.55% of the companies in the same industry.
  • FICO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 34.69
Fwd PE 20.02
FICO Price Earnings VS Forward Price EarningsFICO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 66.55% of the companies listed in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as FICO.
Industry RankSector Rank
P/FCF 36.04
EV/EBITDA 28.72
FICO Per share dataFICO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

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.
  • 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 29.15% in the coming years.
PEG (NY)0.8
PEG (5Y)1.38
EPS Next 2Y34.96%
EPS Next 3Y29.15%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FICO Dividend Analysis

5.1 Amount

  • FICO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FICO Fundamentals: All Metrics, Ratios and Statistics

FAIR ISAAC CORP

NYSE:FICO (4/6/2026, 1:20:55 PM)

1090.85

+1.09 (+0.1%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners91.16%
Inst Owner Change0%
Ins Owners2.57%
Ins Owner Change2.15%
Market Cap25.87B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts77.86
Price Target1938.08 (77.67%)
Short Float %5.38%
Short Ratio3.39
Dividend
Industry RankSector 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)-4.17%
PT rev (3m)-6.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)0%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)2.22%
Valuation
Industry RankSector Rank
PE 34.69
Fwd PE 20.02
P/S 12.54
P/FCF 36.04
P/OCF 34.1
P/B N/A
P/tB N/A
EV/EBITDA 28.72
EPS(TTM)31.45
EY2.88%
EPS(NY)54.48
Fwd EY4.99%
FCF(TTM)30.27
FCFY2.77%
OCF(TTM)31.99
OCFY2.93%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.8
PEG (5Y)1.38
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 10.63
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 Year24.95%
Revenue Next 2Y20.91%
Revenue Next 3Y17.19%
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 Fundamental Analysis 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.


What is the profitability of FICO stock?

FAIR ISAAC CORP (FICO) has a profitability rating of 9 / 10.


Can you provide the financial health for FICO stock?

The financial health rating of FAIR ISAAC CORP (FICO) is 4 / 10.


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%.