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FAIR ISAAC CORP (FICO) Stock Fundamental Analysis

USA - NYSE:FICO - US3032501047 - Common Stock

1667 USD
+51.64 (+3.2%)
Last: 10/24/2025, 8:24:21 PM
1667 USD
0 (0%)
After Hours: 10/24/2025, 8:24:21 PM
Fundamental Rating

6

FICO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 285 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 shows excellent growth, but is valued quite expensive already. This makes FICO very considerable for growth investing!


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

In the past year FICO was profitable.
FICO had a positive operating cash flow in the past year.
Each year in the past 5 years FICO has been profitable.
Each year in the past 5 years FICO had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

Looking at the Return On Assets, with a value of 33.98%, FICO belongs to the top of the industry, outperforming 97.90% of the companies in the same industry.
The Return On Invested Capital of FICO (63.82%) is better than 99.65% of its industry peers.
FICO had an Average Return On Invested Capital over the past 3 years of 41.13%. This is significantly above the industry average of 11.88%.
The last Return On Invested Capital (63.82%) for FICO is above the 3 year average (41.13%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 33.98%
ROE N/A
ROIC 63.82%
ROA(3y)27.67%
ROA(5y)24.55%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)41.13%
ROIC(5y)35.64%
FICO Yearly ROA, ROE, ROICFICO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

1.3 Margins

FICO has a Profit Margin of 32.80%. This is amongst the best in the industry. FICO outperforms 91.96% of its industry peers.
FICO's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 45.87%, FICO belongs to the best of the industry, outperforming 97.20% of the companies in the same industry.
FICO's Operating Margin has improved in the last couple of years.
The Gross Margin of FICO (81.75%) is better than 87.41% of its industry peers.
FICO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 45.87%
PM (TTM) 32.8%
GM 81.75%
OM growth 3Y10.81%
OM growth 5Y14.35%
PM growth 3Y0.09%
PM growth 5Y12.51%
GM growth 3Y2.17%
GM growth 5Y2.36%
FICO Yearly Profit, Operating, Gross MarginsFICO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

5

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.
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.
FICO Yearly Shares OutstandingFICO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FICO Yearly Total Debt VS Total AssetsFICO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

An Altman-Z score of 13.24 indicates that FICO is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 13.24, FICO belongs to the best of the industry, outperforming 88.46% of the companies in the same industry.
The Debt to FCF ratio of FICO is 3.72, which is a good value as it means it would take FICO, 3.72 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 3.72, FICO is doing good in the industry, outperforming 62.24% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 3.72
Altman-Z 13.24
ROIC/WACC5.82
WACC10.96%
FICO Yearly LT Debt VS Equity VS FCFFICO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

2.3 Liquidity

FICO has a Current Ratio of 0.92. 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 Current ratio of FICO (0.92) is worse than 75.17% of its industry peers.
FICO has a Quick Ratio of 0.92. 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 0.92 is on the low side compared to the rest of the industry. FICO is outperformed by 74.48% of its industry peers.
Industry RankSector Rank
Current Ratio 0.92
Quick Ratio 0.92
FICO Yearly Current Assets VS Current LiabilitesFICO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

8

3. Growth

3.1 Past

FICO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.27%, which is quite impressive.
Measured over the past years, FICO shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.85% on average per year.
The Revenue has grown by 16.66% 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 8.16% on average per year.
EPS 1Y (TTM)29.27%
EPS 3Y21.92%
EPS 5Y25.85%
EPS Q2Q%37.12%
Revenue 1Y (TTM)16.66%
Revenue growth 3Y9.27%
Revenue growth 5Y8.16%
Sales Q2Q%19.78%

3.2 Future

The Earnings Per Share is expected to grow by 24.45% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 15.62% on average over the next years. This is quite good.
EPS Next Y26.97%
EPS Next 2Y28.61%
EPS Next 3Y28.13%
EPS Next 5Y24.45%
Revenue Next Year16.08%
Revenue Next 2Y17.38%
Revenue Next 3Y17.14%
Revenue Next 5Y15.62%

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.
FICO Yearly Revenue VS EstimatesFICO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B
FICO Yearly EPS VS EstimatesFICO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20 40 60

3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 58.06, the valuation of FICO can be described as expensive.
FICO's Price/Earnings ratio is in line with the industry average.
FICO is valuated expensively when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 42.45, which means the current valuation is very expensive for FICO.
FICO's Price/Forward Earnings is on the same level as the industry average.
FICO's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.99.
Industry RankSector Rank
PE 58.06
Fwd PE 42.45
FICO Price Earnings VS Forward Price EarningsFICO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, FICO is valued a bit cheaper than the industry average as 65.38% of the companies are valued more expensively.
FICO's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 53.49
EV/EBITDA 47.35
FICO Per share dataFICO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 28.13% in the coming years.
PEG (NY)2.15
PEG (5Y)2.25
EPS Next 2Y28.61%
EPS Next 3Y28.13%

0

5. Dividend

5.1 Amount

FICO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

FAIR ISAAC CORP

NYSE:FICO (10/24/2025, 8:24:21 PM)

After market: 1667 0 (0%)

1667

+51.64 (+3.2%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners91.25%
Inst Owner Change-0.7%
Ins Owners2.35%
Ins Owner Change-0.46%
Market Cap40.01B
Revenue(TTM)1.93B
Net Income(TTM)632.62M
Analysts79.23
Price Target1922.57 (15.33%)
Short Float %4.4%
Short Ratio3
Dividend
Industry RankSector 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)6.02%
Min EPS beat(2)2.91%
Max EPS beat(2)9.13%
EPS beat(4)3
Avg EPS beat(4)1.49%
Min EPS beat(4)-6.46%
Max EPS beat(4)9.13%
EPS beat(8)4
Avg EPS beat(8)-0.74%
EPS beat(12)6
Avg EPS beat(12)-0.2%
EPS beat(16)10
Avg EPS beat(16)3.83%
Revenue beat(2)1
Avg Revenue beat(2)-0.04%
Min Revenue beat(2)-2.17%
Max Revenue beat(2)2.08%
Revenue beat(4)1
Avg Revenue beat(4)-1.34%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)2.08%
Revenue beat(8)1
Avg Revenue beat(8)-1.62%
Revenue beat(12)2
Avg Revenue beat(12)-1.09%
Revenue beat(16)3
Avg Revenue beat(16)-1.16%
PT rev (1m)0.15%
PT rev (3m)-11.38%
EPS NQ rev (1m)0.6%
EPS NQ rev (3m)-7.19%
EPS NY rev (1m)0.11%
EPS NY rev (3m)0.83%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)-2.58%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 58.06
Fwd PE 42.45
P/S 20.74
P/FCF 53.49
P/OCF 51.19
P/B N/A
P/tB N/A
EV/EBITDA 47.35
EPS(TTM)28.71
EY1.72%
EPS(NY)39.27
Fwd EY2.36%
FCF(TTM)31.16
FCFY1.87%
OCF(TTM)32.57
OCFY1.95%
SpS80.37
BVpS-58.23
TBVpS-90.95
PEG (NY)2.15
PEG (5Y)2.25
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 33.98%
ROE N/A
ROCE 81.08%
ROIC 63.82%
ROICexc 77.19%
ROICexgc 595.74%
OM 45.87%
PM (TTM) 32.8%
GM 81.75%
FCFM 38.77%
ROA(3y)27.67%
ROA(5y)24.55%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)41.13%
ROIC(5y)35.64%
ROICexc(3y)46.48%
ROICexc(5y)41.08%
ROICexgc(3y)170.74%
ROICexgc(5y)438.55%
ROCE(3y)52.25%
ROCE(5y)45.27%
ROICexgc growth 3Y-54.87%
ROICexgc growth 5Y-33.18%
ROICexc growth 3Y6.74%
ROICexc growth 5Y15.31%
OM growth 3Y10.81%
OM growth 5Y14.35%
PM growth 3Y0.09%
PM growth 5Y12.51%
GM growth 3Y2.17%
GM growth 5Y2.36%
F-Score7
Asset Turnover1.04
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 3.72
Debt/EBITDA 2.65
Cap/Depr 228.57%
Cap/Sales 1.75%
Interest Coverage 7.64
Cash Conversion 86.88%
Profit Quality 118.22%
Current Ratio 0.92
Quick Ratio 0.92
Altman-Z 13.24
F-Score7
WACC10.96%
ROIC/WACC5.82
Cap/Depr(3y)95.02%
Cap/Depr(5y)77.4%
Cap/Sales(3y)0.87%
Cap/Sales(5y)0.98%
Profit Quality(3y)120%
Profit Quality(5y)122.25%
High Growth Momentum
Growth
EPS 1Y (TTM)29.27%
EPS 3Y21.92%
EPS 5Y25.85%
EPS Q2Q%37.12%
EPS Next Y26.97%
EPS Next 2Y28.61%
EPS Next 3Y28.13%
EPS Next 5Y24.45%
Revenue 1Y (TTM)16.66%
Revenue growth 3Y9.27%
Revenue growth 5Y8.16%
Sales Q2Q%19.78%
Revenue Next Year16.08%
Revenue Next 2Y17.38%
Revenue Next 3Y17.14%
Revenue Next 5Y15.62%
EBIT growth 1Y26.02%
EBIT growth 3Y21.08%
EBIT growth 5Y23.68%
EBIT Next Year36.55%
EBIT Next 3Y25.36%
EBIT Next 5Y23.97%
FCF growth 1Y70.13%
FCF growth 3Y13.43%
FCF growth 5Y20.77%
OCF growth 1Y73.81%
OCF growth 3Y14.31%
OCF growth 5Y19.44%

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 26.97% 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%.