FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FICO - US3032501047 - Common Stock
1665.53 USD
+79.93 (+5.04%)
1665.53 USD
0 (0%)
Taking everything into account, FICO scores 6 out of 10 in our fundamental rating. FICO was compared to 276 industry peers in the Software industry. While FICO belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. FICO is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year FICO was profitable.
In the past year FICO had a positive cash flow from operations.
In the past 5 years FICO has always been profitable.
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 34.90%, FICO belongs to the best of the industry, outperforming 98.91% of the companies in the same industry.
The Return On Invested Capital of FICO (73.98%) is better than 100.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FICO is significantly above the industry average of 10.78%.
The 3 year average ROIC (53.64%) for FICO is below the current ROIC(73.98%), indicating increased profibility in the last year.
| 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
The Profit Margin of FICO (32.75%) is better than 90.94% of its industry peers.
In the last couple of years the Profit Margin of FICO has grown nicely.
With an excellent Operating Margin value of 47.00%, FICO belongs to the best of the industry, outperforming 97.10% of the companies in the same industry.
FICO's Operating Margin has improved in the last couple of years.
The Gross Margin of FICO (82.23%) is better than 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
FICO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
FICO has less shares outstanding than it did 1 year ago.
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 12.59 indicates that FICO is not in any danger for bankruptcy at the moment.
The Altman-Z score of FICO (12.59) is better than 92.75% of its industry peers.
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 has a better Debt to FCF ratio (4.14) than 60.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | 12.59 |
ROIC/WACC6.81
WACC10.87%
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.
The Quick ratio of FICO (0.83) is worse than 82.61% 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.
The Revenue has grown by 15.91% in the past year. This is quite good.
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 Y38.13%
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.
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
FICO is valuated quite expensively with a Price/Earnings ratio of 55.68.
The rest of the industry has a similar Price/Earnings ratio as FICO.
FICO is valuated expensively when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 40.31, the valuation of FICO can be described as expensive.
The rest of the industry has a similar Price/Forward Earnings ratio as FICO.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.92, FICO is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 55.68 | ||
| Fwd PE | 40.31 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FICO indicates a somewhat cheap valuation: FICO is cheaper than 63.41% of the companies listed 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 | 53.41 | ||
| EV/EBITDA | 44.62 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The excellent profitability rating of FICO may justify a higher PE ratio.
FICO's earnings are expected to grow with 27.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.46
PEG (5Y)2.22
EPS Next 2Y32.38%
EPS Next 3Y27.16%
5. Dividend
5.1 Amount
No dividends for FICO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1665.53
+79.93 (+5.04%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.06%
Inst Owner Change0.21%
Ins Owners2.44%
Ins Owner Change0.86%
Market Cap39.49B
Revenue(TTM)1.99B
Net Income(TTM)651.95M
Analysts77.78
Price Target2064.81 (23.97%)
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)0.18%
PT rev (3m)7.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.25%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)13.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.57%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)5.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 55.68 | ||
| Fwd PE | 40.31 | ||
| P/S | 19.84 | ||
| P/FCF | 53.41 | ||
| P/OCF | 50.71 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 44.62 |
EPS(TTM)29.91
EY1.8%
EPS(NY)41.31
Fwd EY2.48%
FCF(TTM)31.19
FCFY1.87%
OCF(TTM)32.85
OCFY1.97%
SpS83.97
BVpS-73.63
TBVpS-106.67
PEG (NY)1.46
PEG (5Y)2.22
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 | 12.59 |
F-Score7
WACC10.87%
ROIC/WACC6.81
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 55.68 and the Price/Book (PB) ratio is -22.62.
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%.