FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation
NYSE:FICO • US3032501047
1476 USD
+0.91 (+0.06%)
At close: Mar 6, 2026
1444.59 USD
-31.41 (-2.13%)
After Hours: 3/6/2026, 8:17:38 PM
This FICO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, FICO scores 6 out of 10 in our fundamental rating. FICO was compared to 277 industry peers in the Software industry. FICO scores excellent on profitability, but there are some minor concerns on its financial health. FICO is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. FICO Profitability Analysis
1.1 Basic Checks
- FICO had positive earnings in the past year.
- FICO had a positive operating cash flow in the past year.
- FICO had positive earnings in each of the past 5 years.
- Each year in the past 5 years FICO had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 35.48%, FICO belongs to the best of the industry, outperforming 98.92% 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 10.84%.
- 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 has a better Profit Margin (31.89%) than 92.78% 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 98.92% of the companies in the same industry.
- In the last couple of years the Operating Margin of FICO has grown nicely.
- The Gross Margin of FICO (82.86%) is better than 87.73% 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. 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.
- FICO has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for FICO has been reduced compared to 5 years ago.
- FICO has a worse debt/assets ratio than last year.
2.2 Solvency
- FICO has an Altman-Z score of 12.13. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 12.13, FICO belongs to the best of the industry, outperforming 93.50% 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 | 12.13 |
ROIC/WACC6.74
WACC10.74%
2.3 Liquidity
- A Current Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.93, FICO is doing worse than 78.70% of the companies in the same industry.
- 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.
- FICO's Quick ratio of 0.93 is on the low side compared to the rest of the industry. FICO is outperformed by 78.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. FICO Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 27.22% 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 16.19% 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)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
- 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.
- 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. FICO Valuation Analysis
4.1 Price/Earnings Ratio
- FICO is valuated quite expensively with a Price/Earnings ratio of 46.93.
- FICO's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 26.29. FICO is valued rather expensively when compared to this.
- Based on the Price/Forward Earnings ratio of 27.09, the valuation of FICO can be described as expensive.
- FICO's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of FICO to the average of the S&P500 Index (24.60), we can say FICO is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 46.93 | ||
| Fwd PE | 27.09 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, FICO is valued a bit cheaper than the industry average as 64.26% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FICO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48.76 | ||
| EV/EBITDA | 37.83 |
4.3 Compensation for Growth
- FICO's 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 29.15% in the coming years.
PEG (NY)1.09
PEG (5Y)1.87
EPS Next 2Y34.96%
EPS Next 3Y29.15%
5. FICO Dividend Analysis
5.1 Amount
- FICO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FICO Fundamentals: All Metrics, Ratios and Statistics
1476
+0.91 (+0.06%)
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 Cap35.01B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts78.57
Price Target2022.39 (37.02%)
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 | 46.93 | ||
| Fwd PE | 27.09 | ||
| P/S | 16.97 | ||
| P/FCF | 48.76 | ||
| P/OCF | 46.13 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 37.83 |
EPS(TTM)31.45
EY2.13%
EPS(NY)54.48
Fwd EY3.69%
FCF(TTM)30.27
FCFY2.05%
OCF(TTM)31.99
OCFY2.17%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)1.09
PEG (5Y)1.87
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 | 12.13 |
F-Score7
WACC10.74%
ROIC/WACC6.74
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 46.93 and the Price/Book (PB) ratio is -19.36.
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%.