FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FICO - US3032501047 - Common Stock
1690.62 USD
-55.13 (-3.16%)
1690.62 USD
0 (0%)
FICO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 276 industry peers in the Software industry. FICO has an excellent profitability rating, but 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.
FICO had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 34.90%, FICO belongs to the top of the industry, outperforming 98.91% of the companies in the same industry.
With an excellent Return On Invested Capital value of 73.98%, FICO belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FICO is significantly above the industry average of 10.78%.
The last Return On Invested Capital (73.98%) for FICO is above the 3 year average (53.64%), which is a sign of increasing profitability.
| 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
FICO has a Profit Margin of 32.75%. This is amongst the best in the industry. FICO outperforms 91.30% of its industry peers.
FICO's Profit Margin has improved in the last couple of years.
The Operating Margin of FICO (47.00%) is better than 97.10% of its industry peers.
In the last couple of years the Operating Margin of FICO has grown nicely.
FICO's Gross Margin of 82.23% is amongst the best of the industry. FICO outperforms 87.68% of its industry peers.
FICO's Gross Margin has improved in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FICO is creating value.
FICO has less shares outstanding than it did 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
FICO has an Altman-Z score of 12.69. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 12.69, FICO belongs to the best of the industry, outperforming 93.12% of the companies in the same industry.
The Debt to FCF ratio of FICO is 4.14, which is a neutral value as it means it would take FICO, 4.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FICO (4.14) is better than 60.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 12.69 |
ROIC/WACC6.82
WACC10.85%
2.3 Liquidity
A Current Ratio of 0.83 indicates that FICO may have some problems paying its short term obligations.
With a Current ratio value of 0.83, FICO is not doing good in the industry: 82.97% of the companies in the same industry are doing better.
A Quick Ratio of 0.83 indicates that FICO may have some problems paying its short term obligations.
FICO has a Quick ratio of 0.83. This is amonst the worse of the industry: FICO underperforms 82.61% of its industry peers.
| 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.
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.
The Revenue has grown by 15.91% in the past year. This is quite good.
FICO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.99% yearly.
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
The Earnings Per Share is expected to grow by 22.50% 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 14.69% on average per year.
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 56.52, 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 is valuated expensively when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 40.92, the valuation of FICO can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FICO is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of FICO to the average of the S&P500 Index (23.13), we can say FICO is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.52 | ||
| Fwd PE | 40.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FICO is valued a bit cheaper than the industry average as 62.68% of the companies are valued more expensively.
FICO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 54.21 | ||
| EV/EBITDA | 45.24 |
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 27.16% in the coming years.
PEG (NY)1.48
PEG (5Y)2.25
EPS Next 2Y32.38%
EPS Next 3Y27.16%
5. Dividend
5.1 Amount
FICO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1690.62
-55.13 (-3.16%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.13%
Inst Owner Change2.33%
Ins Owners2.4%
Ins Owner Change0.86%
Market Cap40.08B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.86
Price Target2064.81 (22.13%)
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)1.51%
PT rev (3m)7.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.23%
EPS NY rev (1m)5.53%
EPS NY rev (3m)13.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.57%
Revenue NY rev (1m)3.08%
Revenue NY rev (3m)7.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.52 | ||
| Fwd PE | 40.92 | ||
| P/S | 20.13 | ||
| P/FCF | 54.21 | ||
| P/OCF | 51.47 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 45.24 |
EPS(TTM)29.91
EY1.77%
EPS(NY)41.31
Fwd EY2.44%
FCF(TTM)31.19
FCFY1.84%
OCF(TTM)32.85
OCFY1.94%
SpS83.97
BVpS-73.63
TBVpS-106.67
PEG (NY)1.48
PEG (5Y)2.25
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 | 12.69 |
F-Score7
WACC10.85%
ROIC/WACC6.82
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 56.52 and the Price/Book (PB) ratio is -22.96.
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%.