(FICO) Fair Isaac - Ratings and Ratios
Credit Scores, Analytics Software, Decision Management, Fraud Detection
FICO EPS (Earnings per Share)
FICO Revenue
Description: FICO Fair Isaac
Fair Isaac Corporation (NYSE:FICO) builds analytics-driven software that automates, enhances, and connects decision-making across the Americas, Europe, the Middle East, Africa, and the Asia-Pacific. The business is split into two reporting segments: Scores, which supplies B2B and B2C predictive credit and other risk scores (including the myFICO.com subscription service); and Software, which delivers pre-configured decision-management suites for functions such as account origination, fraud detection, customer engagement, and marketing, together with a modular FICO Platform that can be customized for advanced analytics use cases.
The Software portfolio includes a breadth of named products-FICO Decision Modeler, Blaze Advisor, Xpress Optimization, Analytics Workbench, Data Orchestrator, DMP Streaming, Business Outcome Simulator, Decision Optimizer, TRIAD Customer Manager, Fraud Solutions, Originations, Customer Communication Service, Strategy Director, Analytic Services, and related implementation services. These tools are sold primarily through a direct sales force, supplemented by indirect partners and online channels.
Founded in 1956 and headquartered in Bozeman, Montana, the firm rebranded from Fair Isaac & Company to Fair Isaac Corporation in 1992. Its GICS classification is Application Software, and it trades as a common stock on the NYSE under the ticker FICO.
Recent public filings show FY 2024 revenue of roughly $1.73 billion, a year-over-year increase of about 12 percent, driven largely by growth in the Software segment’s AI-enabled decision solutions. The global credit-scoring market is estimated at $15 billion and is expanding at ~6 % CAGR, propelled by fintech adoption and tighter regulatory scrutiny of lending practices. A key sector driver is the accelerating integration of machine-learning models into risk-management workflows, which raises the marginal value of platforms that can orchestrate data, models, and real-time decisions.
For a deeper quantitative comparison of FICO’s valuation metrics against peers, the ValueRay platform offers a concise dashboard worth exploring.
FICO Stock Overview
| Market Cap in USD | 41,017m |
| Sub-Industry | Application Software |
| IPO / Inception | 1987-07-22 |
FICO Stock Ratings
| Growth Rating | 27.6% |
| Fundamental | 79.5% |
| Dividend Rating | 18.2% |
| Return 12m vs S&P 500 | -29.7% |
| Analyst Rating | 3.84 of 5 |
FICO Dividends
Currently no dividends paidFICO Growth Ratios
| Growth Correlation 3m | 69.8% |
| Growth Correlation 12m | -79.2% |
| Growth Correlation 5y | 87.3% |
| CAGR 5y | 58.68% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.31 |
| CAGR/Mean DD 3y (Pain Ratio) | 6.31 |
| Sharpe Ratio 12m | 0.10 |
| Alpha | -41.73 |
| Beta | 1.352 |
| Volatility | 36.59% |
| Current Volume | 256.1k |
| Average Volume 20d | 288.5k |
| Stop Loss | 1542.4 (-4.6%) |
| Signal | 0.18 |
Piotroski VR‑10 (Strict, 0-10) 8.5
| Net Income (632.6m TTM) > 0 and > 6% of Revenue (6% = 115.7m TTM) |
| FCFTA 0.40 (>2.0%) and ΔFCFTA 7.92pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -3.15% (prev 17.78%; Δ -20.93pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.42 (>3.0%) and CFO 781.6m > Net Income 632.6m (YES >=105%, WARN >=100%) |
| Net Debt (2.61b) to EBITDA (908.5m) ratio: 2.87 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.92 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (24.6m) change vs 12m ago -1.76% (target <= -2.0% for YES) |
| Gross Margin 81.75% (prev 79.32%; Δ 2.43pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 108.0% (prev 96.76%; Δ 11.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.31 (EBITDA TTM 908.5m / Interest Expense TTM 122.3m) >= 6 (WARN >= 3) |
Altman Z'' 12.24
| (A) -0.03 = (Total Current Assets 709.8m - Total Current Liabilities 770.6m) / Total Assets 1.86b |
| (B) 2.36 = Retained Earnings (Balance) 4.40b / Total Assets 1.86b |
| warn (B) unusual magnitude: 2.36 — check mapping/units |
| (C) 0.50 = EBIT TTM 893.8m / Avg Total Assets 1.79b |
| (D) 1.32 = Book Value of Equity 4.31b / Total Liabilities 3.26b |
| Total Rating: 12.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 79.46
| 1. Piotroski 8.50pt = 3.50 |
| 2. FCF Yield 1.71% = 0.86 |
| 3. FCF Margin 38.77% = 7.50 |
| 4. Debt/Equity -2.00 = -2.50 |
| 5. Debt/Ebitda 2.87 = -1.59 |
| 6. ROIC - WACC (= 41.24)% = 12.50 |
| 7. RoE -54.74% = -2.50 |
| 8. Rev. Trend 95.32% = 7.15 |
| 9. EPS Trend 90.78% = 4.54 |
What is the price of FICO shares?
Over the past week, the price has changed by -2.06%, over one month by +9.40%, over three months by +5.55% and over the past year by -18.98%.
Is Fair Isaac a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FICO is around 1965.23 USD . This means that FICO is currently undervalued and has a potential upside of +21.61% (Margin of Safety).
Is FICO a buy, sell or hold?
- Strong Buy: 7
- Buy: 5
- Hold: 5
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the FICO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 1981.4 | 22.6% |
| Analysts Target Price | 1981.4 | 22.6% |
| ValueRay Target Price | 2227.6 | 37.8% |
Last update: 2025-10-11 03:49
FICO Fundamental Data Overview
P/E Trailing = 66.7749
P/E Forward = 50.5051
P/S = 21.264
P/B = 82.3284
P/EG = 2.3834
Beta = 1.352
Revenue TTM = 1.93b USD
EBIT TTM = 893.8m USD
EBITDA TTM = 908.5m USD
Long Term Debt = 2.38b USD (from longTermDebt, last quarter)
Short Term Debt = 399.3m USD (from shortTermDebt, last quarter)
Debt = 2.80b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.61b USD (from netDebt column, last quarter)
Enterprise Value = 43.63b USD (41.02b + Debt 2.80b - CCE 189.0m)
Interest Coverage Ratio = 7.31 (Ebit TTM 893.8m / Interest Expense TTM 122.3m)
FCF Yield = 1.71% (FCF TTM 747.9m / Enterprise Value 43.63b)
FCF Margin = 38.77% (FCF TTM 747.9m / Revenue TTM 1.93b)
Net Margin = 32.80% (Net Income TTM 632.6m / Revenue TTM 1.93b)
Gross Margin = 81.75% ((Revenue TTM 1.93b - Cost of Revenue TTM 352.1m) / Revenue TTM)
Gross Margin QoQ = 83.67% (prev 82.43%)
Tobins Q-Ratio = 23.43 (Enterprise Value 43.63b / Total Assets 1.86b)
Interest Expense / Debt = 1.17% (Interest Expense 32.9m / Debt 2.80b)
Taxrate = 23.29% (55.2m / 237.0m)
NOPAT = 685.6m (EBIT 893.8m * (1 - 23.29%))
Current Ratio = 0.92 (Total Current Assets 709.8m / Total Current Liabilities 770.6m)
Debt / Equity = -2.00 (negative equity) (Debt 2.80b / totalStockholderEquity, last quarter -1.40b)
Debt / EBITDA = 2.87 (Net Debt 2.61b / EBITDA 908.5m)
Debt / FCF = 3.49 (Net Debt 2.61b / FCF TTM 747.9m)
Total Stockholder Equity = -1.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 33.98% (Net Income 632.6m / Total Assets 1.86b)
RoE = -54.74% (negative equity) (Net Income TTM 632.6m / Total Stockholder Equity -1.16b)
RoCE = 72.99% (EBIT 893.8m / Capital Employed (Equity -1.16b + L.T.Debt 2.38b))
RoIC = 51.59% (NOPAT 685.6m / Invested Capital 1.33b)
WACC = 10.35% (E(41.02b)/V(43.82b) * Re(11.0%) + D(2.80b)/V(43.82b) * Rd(1.17%) * (1-Tc(0.23)))
Discount Rate = 11.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.29%
[DCF Debug] Terminal Value 70.28% ; FCFE base≈669.2m ; Y1≈748.2m ; Y5≈992.5m
Fair Price DCF = 449.5 (DCF Value 10.79b / Shares Outstanding 24.0m; 5y FCF grow 13.67% → 3.0% )
EPS Correlation: 90.78 | EPS CAGR: 27.43% | SUE: 2.97 | # QB: 2
Revenue Correlation: 95.32 | Revenue CAGR: 16.95% | SUE: 2.23 | # QB: 1
Additional Sources for FICO Stock
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Fund Manager Positions: Dataroma | Stockcircle