FAIR ISAAC CORP (FICO) Fundamental Analysis & Valuation

NYSE:FICO • US3032501047

Current stock price

1053.12 USD
+42.06 (+4.16%)
Last:

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.
  • 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

  • FICO's Return On Assets of 35.48% is amongst the best of the industry. FICO outperforms 98.91% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 72.38%, FICO belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for FICO is significantly above the industry average of 10.92%.
  • 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

  • FICO's Profit Margin of 31.89% is amongst the best of the industry. FICO outperforms 93.09% 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 98.91% of its industry peers.
  • In the last couple of years the Operating Margin of FICO has grown nicely.
  • FICO has a Gross Margin of 82.86%. This is amongst the best in the industry. FICO outperforms 88.36% 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

  • 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 10.33. This indicates that FICO is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 10.33, FICO belongs to the best of the industry, outperforming 93.45% of the companies in the same industry.
  • 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 of 4.45. This is comparable to the rest of the industry: FICO outperforms 58.18% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.45
Altman-Z 10.33
ROIC/WACC6.67
WACC10.85%
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's Current ratio of 0.93 is on the low side compared to the rest of the industry. FICO is outperformed by 78.91% of its industry peers.
  • A Quick Ratio of 0.93 indicates that FICO may have some problems paying its short term obligations.
  • FICO has a worse Quick ratio (0.93) than 78.18% 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

  • 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.
  • Measured over the past years, FICO shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.08% on average per year.
  • Looking at the last year, FICO shows a quite strong growth in Revenue. The Revenue has grown by 16.19% in the last year.
  • 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

  • Based on estimates for the next years, FICO will show a very strong growth in Earnings Per Share. The EPS will grow by 24.05% on average per year.
  • Based on estimates for the next years, FICO will show a quite strong growth in Revenue. The Revenue will grow by 15.06% on average per year.
EPS Next Y43.15%
EPS Next 2Y34.96%
EPS Next 3Y29.15%
EPS Next 5Y24.05%
Revenue Next Year25%
Revenue Next 2Y21.04%
Revenue Next 3Y18%
Revenue Next 5Y15.06%

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 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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5

4. FICO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 33.49 indicates a quite expensive valuation of FICO.
  • The rest of the industry has a similar Price/Earnings ratio as FICO.
  • FICO is valuated rather expensively when we compare the Price/Earnings ratio to 24.89, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 19.33 indicates a rather expensive valuation of FICO.
  • 64.00% of the companies in the same industry are more expensive than FICO, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, FICO is valued at the same level.
Industry RankSector Rank
PE 33.49
Fwd PE 19.33
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 67.27% 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 34.79
EV/EBITDA 26.86
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.
  • A more expensive valuation may be justified as FICO's earnings are expected to grow with 29.15% in the coming years.
PEG (NY)0.78
PEG (5Y)1.34
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

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

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FICO Fundamentals: All Metrics, Ratios and Statistics

FAIR ISAAC CORP

NYSE:FICO (3/30/2026, 11:39:04 AM)

1053.12

+42.06 (+4.16%)

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 Change2.15%
Market Cap24.98B
Revenue(TTM)2.06B
Net Income(TTM)657.79M
Analysts78.57
Price Target1938.08 (84.03%)
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)-4.17%
PT rev (3m)-6.14%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)1.46%
EPS NY rev (3m)3.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)0.48%
Revenue NY rev (3m)2.26%
Valuation
Industry RankSector Rank
PE 33.49
Fwd PE 19.33
P/S 12.11
P/FCF 34.79
P/OCF 32.92
P/B N/A
P/tB N/A
EV/EBITDA 26.86
EPS(TTM)31.45
EY2.99%
EPS(NY)54.48
Fwd EY5.17%
FCF(TTM)30.27
FCFY2.87%
OCF(TTM)31.99
OCFY3.04%
SpS86.97
BVpS-76.23
TBVpS-109.26
PEG (NY)0.78
PEG (5Y)1.34
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 10.33
F-Score7
WACC10.85%
ROIC/WACC6.67
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%
Revenue Next 2Y21.04%
Revenue Next 3Y18%
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 5 / 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 33.49 and the Price/Book (PB) ratio is -13.82.


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%.