FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:FICO • US3032501047
1372.76 USD
-18.24 (-1.31%)
At close: Feb 9, 2026
1351 USD
-21.76 (-1.59%)
Pre-Market: 2/10/2026, 8:46:34 AM
FICO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 277 industry peers in the Software industry. While FICO has a great profitability rating, 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. Profitability
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 has a Return On Invested Capital of 72.38%. This is amongst the best in the industry. FICO outperforms 100.00% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for FICO is significantly above the industry average of 10.91%.
- 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 90.25% of its industry peers.
- FICO's Profit Margin has improved in the last couple of years.
- FICO has a better Operating Margin (48.01%) than 97.11% of its industry peers.
- In the last couple of years the Operating Margin of FICO has grown nicely.
- Looking at the Gross Margin, with a value of 82.86%, FICO belongs to the top 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. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FICO is creating value.
- The number of shares outstanding for FICO has been reduced compared to 1 year ago.
- FICO has less shares outstanding than it did 5 years ago.
- FICO has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 11.73 indicates that FICO is not in any danger for bankruptcy at the moment.
- The Altman-Z score of FICO (11.73) is better than 94.22% of its industry peers.
- 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.
- FICO has a Debt to FCF ratio of 4.45. This is comparable to the rest of the industry: FICO outperforms 58.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | 11.73 |
ROIC/WACC6.58
WACC11%
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 77.98% 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.
- FICO has a worse Quick ratio (0.93) than 77.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.22% over the past year.
- Measured over the past years, FICO shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.08% on average per year.
- Looking at the last year, FICO shows a quite strong growth in Revenue. The Revenue has grown by 16.19% in the last year.
- 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 22.50% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 14.69% on average over the next years. This is quite good.
EPS Next Y41.09%
EPS Next 2Y34.82%
EPS Next 3Y29.25%
EPS Next 5Y22.5%
Revenue Next Year24.41%
Revenue Next 2Y21.24%
Revenue Next 3Y18.52%
Revenue Next 5Y14.69%
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. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 43.65, FICO can be considered very expensive at the moment.
- 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 28.06.
- A Price/Forward Earnings ratio of 25.25 indicates a quite expensive valuation of FICO.
- Based on the Price/Forward Earnings ratio, FICO is valued a bit cheaper than the industry average as 60.29% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 27.86. FICO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.65 | ||
| Fwd PE | 25.25 |
4.2 Price Multiples
- 62.45% 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 | 45.33 | ||
| EV/EBITDA | 35.38 |
4.3 Compensation for Growth
- FICO's 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.
- A more expensive valuation may be justified as FICO's earnings are expected to grow with 29.25% in the coming years.
PEG (NY)1.06
PEG (5Y)1.74
EPS Next 2Y34.82%
EPS Next 3Y29.25%
5. Dividend
5.1 Amount
- No dividends for FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1372.76
-18.24 (-1.31%)
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 Owners91.06%
Inst Owner Change14.18%
Ins Owners2.44%
Ins Owner Change0.95%
Market Cap32.55B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts77.78
Price Target2048.68 (49.24%)
Short Float %4.88%
Short Ratio4.76
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)-0.78%
PT rev (3m)0.24%
EPS NQ rev (1m)2.97%
EPS NQ rev (3m)4.05%
EPS NY rev (1m)2.14%
EPS NY rev (3m)7.8%
Revenue NQ rev (1m)2.84%
Revenue NQ rev (3m)3.15%
Revenue NY rev (1m)1.77%
Revenue NY rev (3m)4.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.65 | ||
| Fwd PE | 25.25 | ||
| P/S | 15.78 | ||
| P/FCF | 45.33 | ||
| P/OCF | 42.89 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 35.38 |
EPS(TTM)31.45
EY2.29%
EPS(NY)54.36
Fwd EY3.96%
FCF(TTM)30.28
FCFY2.21%
OCF(TTM)32.01
OCFY2.33%
SpS87
BVpS-76.26
TBVpS-109.31
PEG (NY)1.06
PEG (5Y)1.74
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 | 11.73 |
F-Score7
WACC11%
ROIC/WACC6.58
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 Y41.09%
EPS Next 2Y34.82%
EPS Next 3Y29.25%
EPS Next 5Y22.5%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year24.41%
Revenue Next 2Y21.24%
Revenue Next 3Y18.52%
Revenue Next 5Y14.69%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year34.12%
EBIT Next 3Y24.65%
EBIT Next 5Y19.58%
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 43.65 and the Price/Book (PB) ratio is -18.
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%.