FAIR ISAAC CORP (FICO) Stock Fundamental Analysis
NYSE:FICO • US3032501047
1281.64 USD
-68.81 (-5.1%)
At close: Feb 23, 2026
1281.64 USD
0 (0%)
After Hours: 2/23/2026, 8:04:00 PM
Taking everything into account, FICO scores 6 out of 10 in our fundamental rating. FICO was compared to 274 industry peers in the Software industry. FICO has an excellent profitability rating, but there are some minor concerns on its financial health. FICO is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 35.48%, FICO belongs to the top of the industry, outperforming 98.91% of the companies in the same industry.
- FICO's Return On Invested Capital of 72.38% is amongst the best of 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 10.76%.
- The last Return On Invested Capital (72.38%) for FICO is above the 3 year average (53.64%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
- FICO has a Profit Margin of 31.89%. This is amongst the best in the industry. FICO outperforms 90.88% of its industry peers.
- In the last couple of years the Profit Margin of FICO has grown nicely.
- FICO's Operating Margin of 48.01% is amongst the best of the industry. FICO outperforms 97.08% of its industry peers.
- FICO's Operating Margin has improved in the last couple of years.
- FICO has a Gross Margin of 82.86%. This is amongst the best in the industry. FICO outperforms 87.59% of its industry peers.
- In the last couple of years the Gross Margin of FICO has grown nicely.
| Industry Rank | Sector 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%
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.
- Compared to 1 year ago, FICO has less shares outstanding
- FICO has less shares outstanding than it did 5 years ago.
- FICO has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 11.65 indicates that FICO is not in any danger for bankruptcy at the moment.
- The Altman-Z score of FICO (11.65) is better than 93.80% of its industry peers.
- FICO has a debt to FCF ratio of 4.45. This is a neutral value as FICO would need 4.45 years to pay back of all of its debts.
- FICO has a Debt to FCF ratio (4.45) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.45 | ||
| Altman-Z | 11.65 |
ROIC/WACC6.68
WACC10.84%
2.3 Liquidity
- A Current Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.93, FICO is doing worse than 77.74% of the companies in the same industry.
- 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 77.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. Growth
3.1 Past
- FICO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.22%, 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 16.19% 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)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 24.15% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 15.57% on average over the next years. This is quite good.
EPS Next Y41.09%
EPS Next 2Y34.82%
EPS Next 3Y29.25%
EPS Next 5Y24.15%
Revenue Next Year24.41%
Revenue Next 2Y21.24%
Revenue Next 3Y18.52%
Revenue Next 5Y15.57%
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.
- 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
- FICO is valuated quite expensively with a Price/Earnings ratio of 40.75.
- Compared to the rest of the industry, the Price/Earnings ratio of FICO is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 26.64, FICO is valued quite expensively.
- With a Price/Forward Earnings ratio of 23.58, FICO is valued on the expensive side.
- FICO's Price/Forward Earnings ratio is in line with the industry average.
- FICO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.75.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.75 | ||
| Fwd PE | 23.58 |
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 61.68% 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 | 42.34 | ||
| EV/EBITDA | 34.87 |
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.
- A more expensive valuation may be justified as FICO's earnings are expected to grow with 29.25% in the coming years.
PEG (NY)0.99
PEG (5Y)1.62
EPS Next 2Y34.82%
EPS Next 3Y29.25%
5. Dividend
5.1 Amount
- FICO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1281.64
-68.81 (-5.1%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-27 2026-04-27/amc
Inst Owners91.06%
Inst Owner Change17.6%
Ins Owners2.44%
Ins Owner Change0.92%
Market Cap30.40B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts77.78
Price Target2048.68 (59.85%)
Short Float %5.59%
Short Ratio4.66
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)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)-0.12%
PT rev (3m)0.72%
EPS NQ rev (1m)1.61%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)1.96%
EPS NY rev (3m)7.8%
Revenue NQ rev (1m)1.73%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)1.49%
Revenue NY rev (3m)4.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.75 | ||
| Fwd PE | 23.58 | ||
| P/S | 14.74 | ||
| P/FCF | 42.34 | ||
| P/OCF | 40.06 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 34.87 |
EPS(TTM)31.45
EY2.45%
EPS(NY)54.36
Fwd EY4.24%
FCF(TTM)30.27
FCFY2.36%
OCF(TTM)31.99
OCFY2.5%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.99
PEG (5Y)1.62
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 11.65 |
F-Score7
WACC10.84%
ROIC/WACC6.68
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 Y41.09%
EPS Next 2Y34.82%
EPS Next 3Y29.25%
EPS Next 5Y24.15%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year24.41%
Revenue Next 2Y21.24%
Revenue Next 3Y18.52%
Revenue Next 5Y15.57%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year34.12%
EBIT Next 3Y24.65%
EBIT Next 5Y22.08%
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 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 4 / 10 to FAIR ISAAC CORP (FICO). This can be considered as Fairly Valued.
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 40.75 and the Price/Book (PB) ratio is -16.81.
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%.