FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation

NYSE:FICO • US3032501047

Current stock price

1000.91 USD
+78.54 (+8.52%)
At close:
1004.47 USD
+3.56 (+0.36%)
After Hours:

This FICO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

1. FICO Profitability Analysis

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

1.2 Ratios

  • The Return On Assets of FICO (35.48%) is better than 98.89% of its industry peers.
  • FICO has a Return On Invested Capital of 72.38%. This is amongst the best in the industry. FICO outperforms 100.00% of its industry peers.
  • FICO had an Average Return On Invested Capital over the past 3 years of 53.64%. This is significantly above the industry average of 10.91%.
  • The 3 year average ROIC (53.64%) for FICO is below the current ROIC(72.38%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 35.48%
ROE N/A
ROIC 72.38%
ROA(3y)30.67%
ROA(5y)28.58%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)53.64%
ROIC(5y)46.65%
FICO Yearly ROA, ROE, ROICFICO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300

1.3 Margins

  • The Profit Margin of FICO (31.89%) is better than 94.10% of its industry peers.
  • FICO's Profit Margin has improved in the last couple of years.
  • FICO has a better Operating Margin (48.01%) than 98.89% of its industry peers.
  • FICO's Operating Margin has improved in the last couple of years.
  • The Gross Margin of FICO (82.86%) is better than 87.82% of its industry peers.
  • FICO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 48.01%
PM (TTM) 31.89%
GM 82.86%
OM growth 3Y6.07%
OM growth 5Y12.28%
PM growth 3Y6.48%
PM growth 5Y12.39%
GM growth 3Y1.75%
GM growth 5Y2.67%
FICO Yearly Profit, Operating, Gross MarginsFICO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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4

2. FICO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FICO is creating value.
  • The number of shares outstanding for FICO has been reduced compared to 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.
FICO Yearly Shares OutstandingFICO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
FICO Yearly Total Debt VS Total AssetsFICO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 9.98 indicates that FICO is not in any danger for bankruptcy at the moment.
  • FICO's Altman-Z score of 9.98 is amongst the best of the industry. FICO outperforms 91.14% of its industry peers.
  • The Debt to FCF ratio of FICO is 4.45, which is a neutral value as it means it would take FICO, 4.45 years of fcf income to pay off all of its debts.
  • FICO has a Debt to FCF ratio (4.45) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.45
Altman-Z 9.98
ROIC/WACC7.08
WACC10.23%
FICO Yearly LT Debt VS Equity VS FCFFICO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

2.3 Liquidity

  • FICO has a Current Ratio of 0.93. 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 worse Current ratio (0.93) than 78.60% of its industry peers.
  • A Quick Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
  • The Quick ratio of FICO (0.93) is worse than 77.86% of its industry peers.
Industry RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
FICO Yearly Current Assets VS Current LiabilitesFICO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. FICO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.22% over the past year.
  • FICO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.08% yearly.
  • Looking at the last year, FICO shows a quite strong growth in Revenue. The Revenue has grown by 16.19% in the last year.
  • 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)27.22%
EPS 3Y20.14%
EPS 5Y25.08%
EPS Q2Q%26.6%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.05% on average over the next years. This is a very strong growth
  • FICO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.06% yearly.
EPS Next Y42.5%
EPS Next 2Y34.55%
EPS Next 3Y28.93%
EPS Next 5Y24.05%
Revenue Next Year24.95%
Revenue Next 2Y20.91%
Revenue Next 3Y17.19%
Revenue Next 5Y15.06%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B 4B
FICO Yearly EPS VS EstimatesFICO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20 40 60 80

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Find the best growth stocksShow best growing peers

5

4. FICO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 31.83 indicates a quite expensive valuation of FICO.
  • FICO's Price/Earnings ratio is in line with the industry average.
  • FICO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.86.
  • The Price/Forward Earnings ratio is 18.48, which indicates a rather expensive current valuation of FICO.
  • FICO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FICO is cheaper than 66.42% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FICO to the average of the S&P500 Index (37.39), we can say FICO is valued rather cheaply.
Industry RankSector Rank
PE 31.83
Fwd PE 18.48
FICO Price Earnings VS Forward Price EarningsFICO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FICO is valued a bit cheaper than the industry average as 67.53% 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 33.07
EV/EBITDA 24.77
FICO Per share dataFICO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

  • FICO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The excellent profitability rating of FICO may justify a higher PE ratio.
  • FICO's earnings are expected to grow with 28.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.75
PEG (5Y)1.27
EPS Next 2Y34.55%
EPS Next 3Y28.93%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FICO Dividend Analysis

5.1 Amount

  • FICO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FICO Fundamentals: All Metrics, Ratios and Statistics

FAIR ISAAC CORP

NYSE:FICO (4/13/2026, 4:19:08 PM)

After market: 1004.47 +3.56 (+0.36%)

1000.91

+78.54 (+8.52%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-28
Earnings (Next)05-06
Inst Owners91.02%
Inst Owner Change0%
Ins Owners2.58%
Ins Owner Change2.15%
Market Cap23.74B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts77.86
Price Target1923.22 (92.15%)
Short Float %5.38%
Short Ratio3.39
Dividend
Industry RankSector 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)2.57%
Min EPS beat(2)1.8%
Max EPS beat(2)3.35%
EPS beat(4)4
Avg EPS beat(4)4.3%
Min EPS beat(4)1.8%
Max EPS beat(4)9.13%
EPS beat(8)6
Avg EPS beat(8)1.47%
EPS beat(12)7
Avg EPS beat(12)-0.17%
EPS beat(16)10
Avg EPS beat(16)2.23%
Revenue beat(2)1
Avg Revenue beat(2)-0.68%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)0.14%
Revenue beat(4)2
Avg Revenue beat(4)-0.36%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)2.08%
Revenue beat(8)2
Avg Revenue beat(8)-1.04%
Revenue beat(12)3
Avg Revenue beat(12)-1%
Revenue beat(16)4
Avg Revenue beat(16)-0.68%
PT rev (1m)-4.9%
PT rev (3m)-6.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)2.22%
Valuation
Industry RankSector Rank
PE 31.83
Fwd PE 18.48
P/S 11.51
P/FCF 33.07
P/OCF 31.28
P/B N/A
P/tB N/A
EV/EBITDA 24.77
EPS(TTM)31.45
EY3.14%
EPS(NY)54.15
Fwd EY5.41%
FCF(TTM)30.27
FCFY3.02%
OCF(TTM)31.99
OCFY3.2%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.75
PEG (5Y)1.27
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 35.48%
ROE N/A
ROCE 89.86%
ROIC 72.38%
ROICexc 84.86%
ROICexgc 509.56%
OM 48.01%
PM (TTM) 31.89%
GM 82.86%
FCFM 34.8%
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 Turnover1.11
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.45
Debt/EBITDA 2.78
Cap/Depr 265.27%
Cap/Sales 1.98%
Interest Coverage 7.14
Cash Conversion 75.46%
Profit Quality 109.15%
Current Ratio 0.93
Quick Ratio 0.93
Altman-Z 9.98
F-Score7
WACC10.23%
ROIC/WACC7.08
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)27.22%
EPS 3Y20.14%
EPS 5Y25.08%
EPS Q2Q%26.6%
EPS Next Y42.5%
EPS Next 2Y34.55%
EPS Next 3Y28.93%
EPS Next 5Y24.05%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year24.95%
Revenue Next 2Y20.91%
Revenue Next 3Y17.19%
Revenue Next 5Y15.06%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year38.72%
EBIT Next 3Y25.73%
EBIT Next 5Y21.26%
FCF growth 1Y44.95%
FCF growth 3Y13.67%
FCF growth 5Y16.61%
OCF growth 1Y52.21%
OCF growth 3Y15.2%
OCF growth 5Y16.37%

FAIR ISAAC CORP / FICO Fundamental Analysis 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 5 / 10 to FAIR ISAAC CORP (FICO). This can be considered as Fairly Valued.


What is the profitability of FICO stock?

FAIR ISAAC CORP (FICO) has a profitability rating of 9 / 10.


Can you provide the financial health for FICO stock?

The financial health rating of FAIR ISAAC CORP (FICO) is 4 / 10.


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%.