(FICO) Fair Isaac - Overview
Sector: Technology | Industry: Software - Application | Exchange: NYSE (USA) | Market Cap: 29.649m USD | Total Return: -35.8% in 12m
Avg Turnover: 405M
EPS Trend: 98.9%
Qual. Beats: 1
Rev. Trend: 99.2%
Qual. Beats: 2
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Fair Isaac Corporation (FICO) is an analytics software provider specializing in predictive scoring and decision management. The company operates through two primary segments: Scores and Software. The Scores segment provides B2B credit scoring solutions integrated into financial transaction streams and B2C subscription services via myFICO.com. The Software segment offers the FICO Platform alongside modular applications for fraud detection, account origination, and customer engagement.
The business model relies heavily on the industry-standard FICO Score, which creates a significant competitive moat due to its widespread adoption by major financial institutions for credit risk assessment. As a key player in the Application Software sub-industry, the company leverages a high-margin recurring revenue model through software-as-a-service (SaaS) transitions and long-term licensing agreements. Investors may find it useful to examine the proprietary metrics available on ValueRay to further evaluate the companys valuation.
Headquartered in Bozeman, Montana, the firm distributes its products through direct sales, indirect channels, and online platforms. Its technical suite includes specialized tools like FICO Blaze Advisor and FICO Xpress Optimization, designed to automate complex business rules and data orchestration across global markets.
- Expansion of FICO Platform adoption accelerates recurring software license and subscription revenue
- Strategic pricing power in credit scoring segment offsets fluctuations in mortgage application volumes
- Federal regulatory scrutiny of credit reporting standards impacts long-term scoring model dominance
- Growth in fraud detection software demand strengthens enterprise business-to-business segment margins
| Net Income: 759.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.44 > 0.02 and ΔFCF/TA 6.68 > 1.0 |
| NWC/Revenue: 21.96% < 20% (prev 20.74%; Δ 1.23% < -1%) |
| CFO/TA 0.44 > 3% & CFO 907.3m > Net Income 759.6m |
| Net Debt (3.45b) to EBITDA (1.16b): 2.97 < 3 |
| Current Ratio: 2.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.7m) vs 12m ago -3.80% < -2% |
| Gross Margin: 84.16% > 18% (prev 80.82%; Δ 3.35% > 0.5%) |
| Asset Turnover: 116.2% > 50% (prev 100.3%; Δ 15.91% > 0%) |
| Interest Coverage Ratio: 7.20 > 6 (EBIT TTM 1.15b / Interest Expense TTM 159.4m) |
| A: 0.24 (Total Current Assets 900.8m - Total Current Liabilities 405.3m) / Total Assets 2.05b |
| B: 2.43 (Retained Earnings 4.98b / Total Assets 2.05b) |
| C: 0.59 (EBIT TTM 1.15b / Avg Total Assets 1.94b) |
| D: -0.51 (Book Value of Equity -2.10b / Total Liabilities 4.15b) |
| Altman-Z'' = 12.94 = AAA |
| DSRI: 1.03 (Receivables 620.0m/492.5m, Revenue 2.26b/1.84b) |
| GMI: 0.96 (GM 80.82% / 84.16%) |
| AQI: 0.91 (AQ_t 0.51 / AQ_t-1 0.56) |
| SGI: 1.23 (Revenue 2.26b / 1.84b) |
| TATA: -0.07 (NI 759.6m - CFO 907.3m) / TA 2.05b) |
| Beneish M = -2.94 (Cap -4..+1) = A |
As of June 07, 2026, the stock is trading at USD 1137.33 with a total of 199,376 shares traded.
Over the past week, the price has changed by -9.06%,
over one month by +6.66%,
over three months by -22.90% and
over the past year by -35.81%.
Fair Isaac has received a consensus analysts rating of 3.84. Therefore, it is recommended to buy FICO.
- StrongBuy: 7
- Buy: 5
- Hold: 5
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 1531.5 | 34.7% |
P/E Trailing = 40.4835
P/E Forward = 30.4878
P/S = 13.1434
P/B = 82.3284
P/EG = 1.1366
Revenue TTM = 2.26b USD
EBIT TTM = 1.15b USD
EBITDA TTM = 1.16b USD
Long Term Debt = 3.64b USD (from longTermDebt, last quarter)
Short Term Debt = 399.5m USD (from shortTermDebt, last fiscal year)
Debt = 3.67b USD (from shortLongTermDebtTotal, last quarter) + Leases 17.6m
Net Debt = 3.45b USD (calculated: Debt 3.67b - CCE 219.4m)
Enterprise Value = 33.1b USD (29.6b + Debt 3.67b - CCE 219.4m)
Interest Coverage Ratio = 7.20 (Ebit TTM 1.15b / Interest Expense TTM 159.4m)
EV/FCF = 37.08x (Enterprise Value 33.1b / FCF TTM 892.7m)
FCF Yield = 2.70% (FCF TTM 892.7m / Enterprise Value 33.1b)
FCF Margin = 39.57% (FCF TTM 892.7m / Revenue TTM 2.26b)
Net Margin = 33.67% (Net Income TTM 759.6m / Revenue TTM 2.26b)
Gross Margin = 84.16% ((Revenue TTM 2.26b - Cost of Revenue TTM 357.2m) / Revenue TTM)
Gross Margin QoQ = 86.81% (prev 82.96%)
Tobins Q-Ratio = 16.16 (Enterprise Value 33.1b / Total Assets 2.05b)
Interest Expense / Debt = 4.34% (Interest Expense 159.4m / Debt 3.67b)
Taxrate = 23.07% (227.8m / 987.4m)
NOPAT = 882.2m (EBIT 1.15b * (1 - 23.07%))
Current Ratio = 2.22 (Total Current Assets 900.8m / Total Current Liabilities 405.3m)
Debt / Equity = -1.75 (negative equity) (Debt 3.67b / totalStockholderEquity, last quarter -2.10b)
Debt / EBITDA = 2.97 (Net Debt 3.45b / EBITDA 1.16b)
Debt / FCF = 3.87 (Net Debt 3.45b / FCF TTM 892.7m)
Total Stockholder Equity = -1.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 39.12% (Net Income 759.6m / Total Assets 2.05b)
RoE = -43.08% (negative equity) (Net Income TTM 759.6m / Total Stockholder Equity -1.76b)
RoCE = 61.13% (EBIT 1.15b / Capital Employed (Equity -1.76b + L.T.Debt 3.64b))
RoIC = 45.72% (NOPAT 882.2m / Invested Capital 1.93b)
WACC = 7.24% (E(29.6b)/V(33.3b) * Re(7.72%) + D(3.67b)/V(33.3b) * Rd(4.34%) * (1-Tc(0.23)))
Discount Rate = 7.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -2.64%
[DCF] Terminal Value 77.97% ; FCFF base≈806.6m ; Y1≈924.6m ; Y5≈1.36b
[DCF] Fair Price = 734.0 (EV 20.5b - Net Debt 3.45b = Equity 17.0b / Shares 23.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 98.88 | EPS CAGR: 24.94% | SUE: 4.0 | # QB: 1
Revenue Correlation: 99.20 | Revenue CAGR: 15.82% | SUE: 4.0 | # QB: 2
EPS current Quarter (2026-06-30): EPS=11.69 | Chg30d=+1.45% | Revisions=-5% | Analysts=17
EPS current Year (2026-09-30): EPS=43.20 | Chg30d=+3.94% | Revisions=+75% | GrowthEPS=+44.6% | GrowthRev=+28.2%
EPS next Year (2027-09-30): EPS=54.16 | Chg30d=+3.00% | Revisions=+36% | GrowthEPS=+25.4% | GrowthRev=+14.8%
[Analyst] Revisions Ratio: +75%