FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - NYSE:FICO - US3032501047 - Common Stock
1612.16 USD
-7.98 (-0.49%)
Taking everything into account, FICO scores 6 out of 10 in our fundamental rating. FICO was compared to 282 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 expensive, but it does show an excellent growth. These ratings would make FICO suitable for growth investing!
1. Profitability
1.1 Basic Checks
FICO had positive earnings in the past year.
In the past year FICO had a positive cash flow from operations.
In the past 5 years FICO has always been profitable.
FICO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 33.98%, FICO belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
FICO has a Return On Invested Capital of 63.82%. This is amongst the best in the industry. FICO outperforms 99.29% 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 Rank | Sector 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%
1.3 Margins
The Profit Margin of FICO (32.80%) is better than 92.20% of its industry peers.
In the last couple of years the Profit Margin of FICO has grown nicely.
FICO has a better Operating Margin (45.87%) than 97.16% of its industry peers.
FICO's Operating Margin has improved in the last couple of years.
FICO has a Gross Margin of 81.75%. This is amongst the best in the industry. FICO outperforms 87.59% of its industry peers.
FICO's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FICO is creating value.
Compared to 1 year ago, FICO has less shares outstanding
Compared to 5 years ago, FICO has less shares outstanding
The debt/assets ratio for FICO is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 13.03 indicates that FICO is not in any danger for bankruptcy at the moment.
FICO has a better Altman-Z score (13.03) than 88.65% of its industry peers.
FICO has a debt to FCF ratio of 3.72. This is a good value and a sign of high solvency as FICO would need 3.72 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 3.72, FICO is doing good in the industry, outperforming 61.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 3.72 | ||
| Altman-Z | 13.03 |
ROIC/WACC5.7
WACC11.2%
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 75.18% 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.
The Quick ratio of FICO (0.92) is worse than 74.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.92 | ||
| Quick Ratio | 0.92 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 29.27% 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 25.85% on average per year.
The Revenue has grown by 16.66% in the past year. This is quite good.
The Revenue has been growing by 8.16% on average over the past years. This is quite good.
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
Based on estimates for the next years, FICO will show a very strong growth in Earnings Per Share. The EPS will grow by 24.45% on average per year.
FICO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.62% yearly.
EPS Next Y26.83%
EPS Next 2Y23.63%
EPS Next 3Y23.61%
EPS Next 5Y24.45%
Revenue Next Year16.03%
Revenue Next 2Y15.86%
Revenue Next 3Y15.77%
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.
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
Based on the Price/Earnings ratio of 56.15, 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.
When comparing the Price/Earnings ratio of FICO to the average of the S&P500 Index (27.29), we can say FICO is valued expensively.
The Price/Forward Earnings ratio is 44.43, which means the current valuation is very expensive for FICO.
FICO's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.85. FICO is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.15 | ||
| Fwd PE | 44.43 |
4.2 Price Multiples
FICO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FICO is cheaper than 64.89% of the companies in the same industry.
FICO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 51.73 | ||
| EV/EBITDA | 46.1 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FICO does not grow enough to justify the current Price/Earnings ratio.
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 23.61% in the coming years.
PEG (NY)2.09
PEG (5Y)2.17
EPS Next 2Y23.63%
EPS Next 3Y23.61%
5. Dividend
5.1 Amount
FICO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:FICO (10/17/2025, 11:16:03 AM)
1612.16
-7.98 (-0.49%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.25%
Inst Owner Change-0.17%
Ins Owners2.35%
Ins Owner Change-0.47%
Market Cap38.69B
Analysts79.23
Price Target1922.57 (19.25%)
Short Float %4.63%
Short Ratio3.41
Dividend
| Industry Rank | Sector 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)0.7%
PT rev (3m)-15.49%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)-7.8%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.15 | ||
| Fwd PE | 44.43 | ||
| P/S | 20.06 | ||
| P/FCF | 51.73 | ||
| P/OCF | 49.5 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 46.1 |
EPS(TTM)28.71
EY1.78%
EPS(NY)36.28
Fwd EY2.25%
FCF(TTM)31.16
FCFY1.93%
OCF(TTM)32.57
OCFY2.02%
SpS80.37
BVpS-58.23
TBVpS-90.95
PEG (NY)2.09
PEG (5Y)2.17
Profitability
| Industry Rank | Sector 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%
ROICexcg growth 3Y-54.87%
ROICexcg 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 Rank | Sector 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 | 13.03 |
F-Score7
WACC11.2%
ROIC/WACC5.7
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 Y26.83%
EPS Next 2Y23.63%
EPS Next 3Y23.61%
EPS Next 5Y24.45%
Revenue 1Y (TTM)16.66%
Revenue growth 3Y9.27%
Revenue growth 5Y8.16%
Sales Q2Q%19.78%
Revenue Next Year16.03%
Revenue Next 2Y15.86%
Revenue Next 3Y15.77%
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%