FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation

NYSE:FICO • US3032501047

Current stock price

1013.83 USD
+9.11 (+0.91%)
At close:
1020 USD
+6.17 (+0.61%)
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.
  • In the past year FICO had a positive cash flow from operations.
  • Each year in the past 5 years FICO has been profitable.
  • Each year in the past 5 years FICO had a positive operating cash flow.
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 98.53% of its industry peers.
  • The Return On Invested Capital of FICO (72.38%) is better than 99.63% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FICO is significantly above the industry average of 10.99%.
  • 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

  • Looking at the Profit Margin, with a value of 31.89%, FICO belongs to the top of the industry, outperforming 93.75% 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 48.01%, FICO belongs to the best of the industry, outperforming 98.90% 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 82.86%, FICO belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FICO has grown nicely.
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.
  • 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.
  • 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 10.30 indicates that FICO is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of FICO (10.30) is better than 90.07% 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 of 4.45. This is comparable to the rest of the industry: FICO outperforms 57.35% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.45
Altman-Z 10.3
ROIC/WACC6.83
WACC10.59%
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

  • A Current Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
  • FICO has a Current ratio of 0.93. This is in the lower half of the industry: FICO underperforms 78.31% of its industry peers.
  • A Quick Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.93, FICO is not doing good in the industry: 77.57% of the companies in the same industry are doing better.
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

  • 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.
  • FICO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.99% yearly.
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

  • FICO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.14% yearly.
  • The Revenue is expected to grow by 14.21% on average over the next years. This is quite good.
EPS Next Y42.5%
EPS Next 2Y34.55%
EPS Next 3Y28.93%
EPS Next 5Y23.14%
Revenue Next Year24.95%
Revenue Next 2Y20.89%
Revenue Next 3Y17.41%
Revenue Next 5Y14.21%

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.
  • 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.
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
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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5

4. FICO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 32.24, the valuation of FICO can be described as expensive.
  • FICO's Price/Earnings is on the same level as the industry average.
  • FICO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.35, which is the current average of the S&P500 Index.
  • FICO is valuated rather expensively with a Price/Forward Earnings ratio of 18.72.
  • 67.28% of the companies in the same industry are more expensive than FICO, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.23. FICO is around the same levels.
Industry RankSector Rank
PE 32.24
Fwd PE 18.72
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FICO indicates a somewhat cheap valuation: FICO is cheaper than 68.01% of the companies listed in the same industry.
  • FICO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 33.5
EV/EBITDA 26.71
FICO Per share dataFICO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FICO has an outstanding profitability rating, which 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)0.76
PEG (5Y)1.29
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

  • No dividends for FICO!.
Industry RankSector Rank
Dividend Yield 0%

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FICO Fundamentals: All Metrics, Ratios and Statistics

FAIR ISAAC CORP

NYSE:FICO (4/27/2026, 7:45:22 PM)

After market: 1020 +6.17 (+0.61%)

1013.83

+9.11 (+0.91%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners91.02%
Inst Owner Change0.02%
Ins Owners2.58%
Ins Owner Change2.15%
Market Cap24.05B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts77.86
Price Target1923.22 (89.7%)
Short Float %6.01%
Short Ratio3.82
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)-6.24%
EPS NQ rev (1m)2.99%
EPS NQ rev (3m)4.72%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)2.98%
Revenue NQ rev (1m)1.73%
Revenue NQ rev (3m)3.5%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.93%
Valuation
Industry RankSector Rank
PE 32.24
Fwd PE 18.72
P/S 11.66
P/FCF 33.5
P/OCF 31.69
P/B N/A
P/tB N/A
EV/EBITDA 26.71
EPS(TTM)31.45
EY3.1%
EPS(NY)54.15
Fwd EY5.34%
FCF(TTM)30.27
FCFY2.99%
OCF(TTM)31.99
OCFY3.16%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.76
PEG (5Y)1.29
Graham Number0 (-100%)
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 10.3
F-Score7
WACC10.59%
ROIC/WACC6.83
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 5Y23.14%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year24.95%
Revenue Next 2Y20.89%
Revenue Next 3Y17.41%
Revenue Next 5Y14.21%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year38.72%
EBIT Next 3Y25.73%
EBIT Next 5Y20.33%
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%.