(FICO) Fair Isaac - Ratings and Ratios
Scores, Software Platform, Fraud Suite, Origination Tools, Decision Engine
FICO EPS (Earnings per Share)
FICO Revenue
Description: FICO Fair Isaac
Fair Isaac Corporation (FICO) is a leading provider of analytics and digital decisioning technologies that enable businesses to automate and enhance their decision-making processes. The company operates through two main segments: Scores and Software. The Scores segment offers business-to-business and business-to-consumer scoring solutions, including predictive credit scores that can be integrated into clients transaction streams.
FICOs Software segment provides a range of pre-configured analytic and decision management solutions, as well as modular software offerings, such as FICO Platform, that support advanced analytic and decision use cases. The companys software solutions cater to various business needs, including account origination, customer management, fraud detection, and marketing. FICOs products and services are marketed primarily through its direct sales organization and indirect channels, as well as online.
To evaluate FICOs performance, key performance indicators (KPIs) such as revenue growth, customer acquisition costs, and customer retention rates can be analyzed. Additionally, metrics like the number of scores sold, software revenue as a percentage of total revenue, and the average revenue per user (ARPU) for myFICO.com subscription offerings can provide valuable insights. FICOs return on equity (ROE) is currently negative, indicating that the company may be facing challenges in generating profits. However, its forward price-to-earnings (P/E) ratio suggests that investors expect the companys earnings to grow in the future.
From a trading perspective, FICOs stock price has been trending downward, with its 20-day, 50-day, and 200-day simple moving averages (SMAs) indicating a bearish trend. The average true range (ATR) suggests that the stocks price volatility is relatively high. To make informed investment decisions, traders and investors can analyze FICOs stock price movements, trading volumes, and other technical indicators, such as relative strength index (RSI) and Bollinger Bands.
FICO Stock Overview
| Market Cap in USD | 37,123m |
| Sub-Industry | Application Software |
| IPO / Inception | 1987-07-22 |
FICO Stock Ratings
| Growth Rating | 29.4% |
| Fundamental | 84.4% |
| Dividend Rating | 18.1% |
| Return 12m vs S&P 500 | -31.0% |
| Analyst Rating | 3.84 of 5 |
FICO Dividends
Currently no dividends paidFICO Growth Ratios
| Growth Correlation 3m | -59.3% |
| Growth Correlation 12m | -73.9% |
| Growth Correlation 5y | 87% |
| CAGR 5y | 51.79% |
| CAGR/Max DD 3y | 1.15 |
| CAGR/Mean DD 3y | 15.63 |
| Sharpe Ratio 12m | 0.57 |
| Alpha | -26.97 |
| Beta | 0.458 |
| Volatility | 31.84% |
| Current Volume | 169.8k |
| Average Volume 20d | 300.4k |
| Stop Loss | 1506.7 (-3.1%) |
| 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) 84.38
| 1. Piotroski 8.50pt = 3.50 |
| 2. FCF Yield 1.88% = 0.94 |
| 3. FCF Margin 38.77% = 7.50 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda 3.06 = -1.85 |
| 6. ROIC - WACC 46.49% = 12.50 |
| 7. RoE data missing |
| 8. Rev. Trend 95.32% = 7.15 |
| 9. EPS Trend 92.72% = 4.64 |
What is the price of FICO shares?
Over the past week, the price has changed by +1.11%, over one month by +15.79%, over three months by -14.28% and over the past year by -17.93%.
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 1771.39 USD . This means that FICO is currently undervalued and has a potential upside of +13.9% (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 | 1874.7 | 20.5% |
| Analysts Target Price | 1874.7 | 20.5% |
| ValueRay Target Price | 1952.6 | 25.6% |
Last update: 2025-09-11 04:38
FICO Fundamental Data Overview
CCE Cash And Equivalents = 189.0m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 60.5781
P/E Forward = 43.1034
P/S = 19.2455
P/B = 82.3284
P/EG = 2.0335
Beta = 1.345
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 = 2.78b USD (Calculated: Short Term 399.3m + Long Term 2.38b)
Net Debt = 2.61b USD (from netDebt column, last quarter)
Enterprise Value = 39.71b USD (37.12b + Debt 2.78b - CCE 189.0m)
Interest Coverage Ratio = 7.31 (Ebit TTM 893.8m / Interest Expense TTM 122.3m)
FCF Yield = 1.88% (FCF TTM 747.9m / Enterprise Value 39.71b)
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)
Tobins Q-Ratio = 9.21 (Enterprise Value 39.71b / Book Value Of Equity 4.31b)
Interest Expense / Debt = 1.18% (Interest Expense 32.9m / Debt 2.78b)
Taxrate = 20.13% (129.2m / 642.0m)
NOPAT = 713.9m (EBIT 893.8m * (1 - 20.13%))
Current Ratio = 0.92 (Total Current Assets 709.8m / Total Current Liabilities 770.6m)
Debt / EBITDA = 3.06 (Net Debt 2.61b / EBITDA 908.5m)
Debt / FCF = 3.72 (Debt 2.78b / FCF TTM 747.9m)
Total Stockholder Equity = -1.16b (last 4 quarters mean)
RoA = 33.98% (Net Income 632.6m, Total Assets 1.86b )
RoE = unknown (Net Income TTM 632.6m / Total Stockholder Equity -1.16b)
RoCE = 72.99% (Ebit 893.8m / (Equity -1.16b + L.T.Debt 2.38b))
RoIC = 53.72% (NOPAT 713.9m / Invested Capital 1.33b)
WACC = 7.23% (E(37.12b)/V(39.90b) * Re(7.70%)) + (D(2.78b)/V(39.90b) * Rd(1.18%) * (1-Tc(0.20)))
Shares Correlation 3-Years: -96.97 | Cagr: -0.36%
Discount Rate = 7.70% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.83% ; FCFE base≈669.2m ; Y1≈748.2m ; Y5≈992.5m
Fair Price DCF = 717.3 (DCF Value 17.22b / Shares Outstanding 24.0m; 5y FCF grow 13.67% → 3.0% )
EPS Correlation: 92.72 | EPS CAGR: 27.43% | SUE: 3.10 | # QB: True
Revenue Correlation: 95.32 | Revenue CAGR: 16.95%
Additional Sources for FICO Stock
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Fund Manager Positions: Dataroma | Stockcircle