FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FICO - US3032501047 - Common Stock
1761.41 USD
+6.39 (+0.36%)
1761.41 USD
0 (0%)
Overall FICO gets a fundamental rating of 6 out of 10. We evaluated FICO against 280 industry peers in the Software industry. FICO scores excellent on profitability, 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.
FICO had positive earnings in each of the past 5 years.
FICO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FICO's Return On Assets of 34.90% is amongst the best of the industry. FICO outperforms 98.57% of its industry peers.
FICO has a Return On Invested Capital of 73.98%. 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 10.73%.
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 92.14% of its industry peers.
In the last couple of years the Profit Margin of FICO has grown nicely.
Looking at the Operating Margin, with a value of 47.00%, FICO belongs to the top of the industry, outperforming 97.14% of the companies in the same industry.
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 87.86% of its industry peers.
In the last couple of years the Gross Margin of FICO has grown nicely.
| 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
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.
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
An Altman-Z score of 12.97 indicates that FICO is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 12.97, FICO belongs to the top of the industry, outperforming 92.14% 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.
FICO's Debt to FCF ratio of 4.14 is fine compared to the rest of the industry. FICO outperforms 61.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 12.97 |
ROIC/WACC6.88
WACC10.75%
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: 82.86% of the companies in the same industry are doing better.
FICO has a Quick Ratio of 0.83. 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 Quick ratio of 0.83. This is amonst the worse of the industry: FICO underperforms 82.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
FICO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.99%, which is quite impressive.
FICO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.08% yearly.
FICO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.91%.
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)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
Based on estimates for the next years, FICO will show a very strong growth in Earnings Per Share. The EPS will grow by 22.50% on average per year.
FICO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.69% yearly.
EPS Next Y38.72%
EPS Next 2Y33.23%
EPS Next 3Y28.66%
EPS Next 5Y22.5%
Revenue Next Year22.49%
Revenue Next 2Y19.99%
Revenue Next 3Y17.66%
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.
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
A Price/Earnings ratio of 58.89 indicates a quite expensive valuation of FICO.
FICO's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.26. FICO is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 42.45 indicates a quite expensive valuation of 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 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 58.89 | ||
| Fwd PE | 42.45 |
4.2 Price Multiples
62.50% of the companies in the same industry are more expensive than FICO, based on the Enterprise Value to EBITDA ratio.
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 | 56.48 | ||
| EV/EBITDA | 47.01 |
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 28.66% in the coming years.
PEG (NY)1.52
PEG (5Y)2.35
EPS Next 2Y33.23%
EPS Next 3Y28.66%
5. Dividend
5.1 Amount
No dividends for FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1761.41
+6.39 (+0.36%)
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 Change1.46%
Market Cap41.76B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.86
Price Target2061.14 (17.02%)
Short Float %4.48%
Short Ratio4.15
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)0.85%
PT rev (3m)7.37%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)-0.23%
EPS NY rev (1m)5.99%
EPS NY rev (3m)14.36%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-0.57%
Revenue NY rev (1m)3.28%
Revenue NY rev (3m)7.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 58.89 | ||
| Fwd PE | 42.45 | ||
| P/S | 20.98 | ||
| P/FCF | 56.48 | ||
| P/OCF | 53.62 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 47.01 |
EPS(TTM)29.91
EY1.7%
EPS(NY)41.49
Fwd EY2.36%
FCF(TTM)31.19
FCFY1.77%
OCF(TTM)32.85
OCFY1.86%
SpS83.97
BVpS-73.63
TBVpS-106.67
PEG (NY)1.52
PEG (5Y)2.35
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 | 12.97 |
F-Score7
WACC10.75%
ROIC/WACC6.88
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 Y38.72%
EPS Next 2Y33.23%
EPS Next 3Y28.66%
EPS Next 5Y22.5%
Revenue 1Y (TTM)15.91%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%13.65%
Revenue Next Year22.49%
Revenue Next 2Y19.99%
Revenue Next 3Y17.66%
Revenue Next 5Y14.69%
EBIT growth 1Y27.55%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year32.76%
EBIT Next 3Y24.44%
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 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 38.72% 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%.