FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation

NYSE:FICO • US3032501047

Current stock price

1161.53 USD
+30.31 (+2.68%)
At close:
1157 USD
-4.53 (-0.39%)
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

  • In the past year FICO was profitable.
  • In the past year FICO had a positive cash flow from operations.
  • FICO had positive earnings in each of the past 5 years.
  • FICO had a positive operating cash flow in each of the past 5 years.
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

  • FICO has a better Return On Assets (35.48%) than 98.92% 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.
  • The Average Return On Invested Capital over the past 3 years for FICO is significantly above the industry average of 10.87%.
  • 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 92.78% of the companies in the same industry.
  • FICO's Profit Margin has improved in the last couple of years.
  • FICO has a Operating Margin of 48.01%. This is amongst the best in the industry. FICO outperforms 98.92% 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 88.09% of its industry peers.
  • 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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FICO is creating value.
  • The number of shares outstanding for FICO has been reduced compared to 1 year ago.
  • FICO has less shares outstanding than it did 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 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

  • FICO has an Altman-Z score of 10.79. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
  • FICO's Altman-Z score of 10.79 is amongst the best of the industry. FICO outperforms 92.78% 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's Debt to FCF ratio of 4.45 is in line compared to the rest of the industry. FICO outperforms 59.21% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.45
Altman-Z 10.79
ROIC/WACC6.82
WACC10.61%
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.
  • With a Current ratio value of 0.93, FICO is not doing good in the industry: 79.06% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.93, FICO is doing worse than 78.34% of the companies in the same industry.
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.
  • The Earnings Per Share has been growing by 25.08% on average over the past years. This is a very strong growth
  • Looking at the last year, FICO shows a quite strong growth in Revenue. The Revenue has grown by 16.19% in the last year.
  • The Revenue has been growing by 8.99% on average over the past years. This is quite good.
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
  • The Revenue is expected to grow by 15.06% on average over the next years. This is quite good.
EPS Next Y43.15%
EPS Next 2Y34.96%
EPS Next 3Y29.15%
EPS Next 5Y24.05%
Revenue Next Year25.35%
Revenue Next 2Y21.18%
Revenue Next 3Y18.14%
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

4

4. FICO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 36.93, FICO can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of FICO is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of FICO to the average of the S&P500 Index (25.96), we can say FICO is valued slightly more expensively.
  • A Price/Forward Earnings ratio of 21.32 indicates a rather expensive valuation of FICO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FICO indicates a somewhat cheap valuation: FICO is cheaper than 63.54% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FICO to the average of the S&P500 Index (24.04), we can say FICO is valued inline with the index average.
Industry RankSector Rank
PE 36.93
Fwd PE 21.32
FICO Price Earnings VS Forward Price EarningsFICO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FICO is valued a bit cheaper than the industry average as 65.70% of the companies are valued more expensively.
  • FICO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 38.38
EV/EBITDA 29.7
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.
  • FICO has an outstanding profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as FICO's earnings are expected to grow with 29.15% in the coming years.
PEG (NY)0.86
PEG (5Y)1.47
EPS Next 2Y34.96%
EPS Next 3Y29.15%

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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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Find the best dividend stocksShow peers with best dividend

FICO Fundamentals: All Metrics, Ratios and Statistics

FAIR ISAAC CORP

NYSE:FICO (3/16/2026, 8:24:21 PM)

After market: 1157 -4.53 (-0.39%)

1161.53

+30.31 (+2.68%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners91.16%
Inst Owner Change17.64%
Ins Owners2.57%
Ins Owner Change2.07%
Market Cap27.55B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts78.57
Price Target2022.39 (74.11%)
Short Float %5.89%
Short Ratio4.06
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)-1.28%
PT rev (3m)-1.88%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)1.46%
EPS NY rev (3m)3.19%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)2.33%
Valuation
Industry RankSector Rank
PE 36.93
Fwd PE 21.32
P/S 13.36
P/FCF 38.38
P/OCF 36.3
P/B N/A
P/tB N/A
EV/EBITDA 29.7
EPS(TTM)31.45
EY2.71%
EPS(NY)54.48
Fwd EY4.69%
FCF(TTM)30.27
FCFY2.61%
OCF(TTM)31.99
OCFY2.75%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.86
PEG (5Y)1.47
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 10.79
F-Score7
WACC10.61%
ROIC/WACC6.82
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 Y43.15%
EPS Next 2Y34.96%
EPS Next 3Y29.15%
EPS Next 5Y24.05%
Revenue 1Y (TTM)16.19%
Revenue growth 3Y13.07%
Revenue growth 5Y8.99%
Sales Q2Q%16.36%
Revenue Next Year25.35%
Revenue Next 2Y21.18%
Revenue Next 3Y18.14%
Revenue Next 5Y15.06%
EBIT growth 1Y29.99%
EBIT growth 3Y19.94%
EBIT growth 5Y22.37%
EBIT Next Year39.53%
EBIT Next 3Y26.18%
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 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 36.93 and the Price/Book (PB) ratio is -15.24.


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%.