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FAIR ISAAC CORP (FICO) Stock Fundamental Analysis

NYSE:FICO - New York Stock Exchange, Inc. - US3032501047 - Common Stock - Currency: USD

1507.15  -39.87 (-2.58%)

After market: 1511 +3.85 (+0.26%)

Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to FICO. FICO was compared to 282 industry peers in the Software industry. FICO has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. FICO shows excellent growth, but is valued quite expensive already. This makes FICO very considerable for growth and quality investing!


Dividend Valuation Growth Profitability Health

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9

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.
In the past 5 years FICO always reported a positive cash flow from operatings.
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

The Return On Assets of FICO (31.44%) is better than 97.87% of its industry peers.
Looking at the Return On Invested Capital, with a value of 42.86%, FICO belongs to the top of the industry, outperforming 98.58% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FICO is significantly above the industry average of 12.28%.
The last Return On Invested Capital (42.86%) for FICO is above the 3 year average (41.13%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 31.44%
ROE N/A
ROIC 42.86%
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

With an excellent Profit Margin value of 31.36%, FICO belongs to the best of the industry, outperforming 95.04% of the companies in the same industry.
FICO's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 44.15%, FICO belongs to the best of the industry, outperforming 98.58% of the companies in the same industry.
In the last couple of years the Operating Margin of FICO has grown nicely.
With an excellent Gross Margin value of 80.83%, FICO belongs to the best of the industry, outperforming 82.98% of the companies in the same industry.
FICO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 44.15%
PM (TTM) 31.36%
GM 80.83%
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

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7

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
The number of shares outstanding for FICO has been reduced compared to 5 years ago.
Compared to 1 year ago, FICO has a worse debt to assets ratio.
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

FICO has an Altman-Z score of 13.56. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
FICO has a Altman-Z score of 13.56. This is amongst the best in the industry. FICO outperforms 90.07% of its industry peers.
FICO has a debt to FCF ratio of 3.73. This is a good value and a sign of high solvency as FICO would need 3.73 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 3.73, FICO is doing good in the industry, outperforming 61.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 3.73
Altman-Z 13.56
ROIC/WACC4.02
WACC10.67%
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 2.11. This indicates that FICO is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of FICO (2.11) is better than 63.83% of its industry peers.
A Quick Ratio of 2.11 indicates that FICO has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.11, FICO is in the better half of the industry, outperforming 64.54% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.11
Quick Ratio 2.11
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

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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 22.06%, which is quite impressive.
FICO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.85% yearly.
The Revenue has grown by 14.72% 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)22.06%
EPS 3Y21.92%
EPS 5Y25.85%
EPS Q2Q%27.2%
Revenue 1Y (TTM)14.72%
Revenue growth 3Y9.27%
Revenue growth 5Y8.16%
Sales Q2Q%14.97%

3.2 Future

FICO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.40% yearly.
The Revenue is expected to grow by 15.58% on average over the next years. This is quite good.
EPS Next Y25.92%
EPS Next 2Y25.08%
EPS Next 3Y25.18%
EPS Next 5Y24.4%
Revenue Next Year15.68%
Revenue Next 2Y15.61%
Revenue Next 3Y15.93%
Revenue Next 5Y15.58%

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

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3

4. Valuation

4.1 Price/Earnings Ratio

FICO is valuated quite expensively with a Price/Earnings ratio of 57.11.
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 27.19.
FICO is valuated quite expensively with a Price/Forward Earnings ratio of 40.58.
FICO's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.33, FICO is valued at the same level.
Industry RankSector Rank
PE 57.11
Fwd PE 40.58
FICO Price Earnings VS Forward Price EarningsFICO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, FICO is valued a bit cheaper than the industry average as 65.60% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as FICO.
Industry RankSector Rank
P/FCF 54.16
EV/EBITDA 48.4
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 FICO does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of FICO may justify a higher PE ratio.
FICO's earnings are expected to grow with 25.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.2
PEG (5Y)2.21
EPS Next 2Y25.08%
EPS Next 3Y25.18%

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0

5. Dividend

5.1 Amount

No dividends for FICO!.
Industry RankSector Rank
Dividend Yield N/A

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FAIR ISAAC CORP

NYSE:FICO (7/15/2025, 7:00:00 PM)

After market: 1511 +3.85 (+0.26%)

1507.15

-39.87 (-2.58%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners90.04%
Inst Owner Change0%
Ins Owners2.54%
Ins Owner Change-0.37%
Market Cap36.68B
Analysts78.4
Price Target2274.87 (50.94%)
Short Float %3.52%
Short Ratio2.58
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)1
Avg EPS beat(2)-1.77%
Min EPS beat(2)-6.46%
Max EPS beat(2)2.91%
EPS beat(4)2
Avg EPS beat(4)-1.54%
Min EPS beat(4)-6.46%
Max EPS beat(4)2.91%
EPS beat(8)4
Avg EPS beat(8)-1.16%
EPS beat(12)6
Avg EPS beat(12)-0.13%
EPS beat(16)10
Avg EPS beat(16)4.51%
Revenue beat(2)0
Avg Revenue beat(2)-3.39%
Min Revenue beat(2)-4.62%
Max Revenue beat(2)-2.17%
Revenue beat(4)0
Avg Revenue beat(4)-2.22%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)-0.67%
Revenue beat(8)1
Avg Revenue beat(8)-1.58%
Revenue beat(12)1
Avg Revenue beat(12)-1.27%
Revenue beat(16)3
Avg Revenue beat(16)-1.23%
PT rev (1m)0.14%
PT rev (3m)7.06%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)-0.53%
EPS NY rev (1m)0.19%
EPS NY rev (3m)1.42%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.15%
Valuation
Industry RankSector Rank
PE 57.11
Fwd PE 40.58
P/S 19.93
P/FCF 54.16
P/OCF 51.76
P/B N/A
P/tB N/A
EV/EBITDA 48.4
EPS(TTM)26.39
EY1.75%
EPS(NY)37.14
Fwd EY2.46%
FCF(TTM)27.83
FCFY1.85%
OCF(TTM)29.12
OCFY1.93%
SpS75.61
BVpS-46.18
TBVpS-78.2
PEG (NY)2.2
PEG (5Y)2.21
Profitability
Industry RankSector Rank
ROA 31.44%
ROE N/A
ROCE 54.45%
ROIC 42.86%
ROICexc 47.53%
ROICexgc 112.89%
OM 44.15%
PM (TTM) 31.36%
GM 80.83%
FCFM 36.81%
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-Score8
Asset Turnover1
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 3.73
Debt/EBITDA 3.04
Cap/Depr 214.85%
Cap/Sales 1.7%
Interest Coverage 6.95
Cash Conversion 85.68%
Profit Quality 117.38%
Current Ratio 2.11
Quick Ratio 2.11
Altman-Z 13.56
F-Score8
WACC10.67%
ROIC/WACC4.02
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)22.06%
EPS 3Y21.92%
EPS 5Y25.85%
EPS Q2Q%27.2%
EPS Next Y25.92%
EPS Next 2Y25.08%
EPS Next 3Y25.18%
EPS Next 5Y24.4%
Revenue 1Y (TTM)14.72%
Revenue growth 3Y9.27%
Revenue growth 5Y8.16%
Sales Q2Q%14.97%
Revenue Next Year15.68%
Revenue Next 2Y15.61%
Revenue Next 3Y15.93%
Revenue Next 5Y15.58%
EBIT growth 1Y17.95%
EBIT growth 3Y21.08%
EBIT growth 5Y23.68%
EBIT Next Year28.77%
EBIT Next 3Y25.65%
EBIT Next 5Y23.99%
FCF growth 1Y56.44%
FCF growth 3Y13.43%
FCF growth 5Y20.77%
OCF growth 1Y59.55%
OCF growth 3Y14.31%
OCF growth 5Y19.44%