Fundamentals FICO (NYSE) - Fair Isaac Corporation
VR Fundamental Rating 7.02
| VR Piotroski Score | 9.00 |
| Altman-Z Score | 10.50 |
| Tobins Q Ratio | - |
| Tax Rate | 26.13% |
| Free-Cash-Flow Yield | 2.21% |
| Free-Cash-Flow Margin | 30.86% |
| Net Margin | 26.95% |
| Gross Margin | 77.68% |
| Current Ratio | 1.40 |
| Debt / Equity | - |
| Debt / EBITDA | 3.30 |
| Debt / Free-Cash Flow | 4.38 |
| Interest Expense / Debt | 4.48% |
| RoE Return on Equity | - |
| RoCE Return on Cap. Employed | 50.91% |
| RoA Return on Assets | 25.52% |
| RoIC Return on Inv. Cap. | 58.59% |
| Analysts Rating | 3.88 |
| Analysts Target Price (is below last close by |
782.88 USD -1%) |
VR Piotroski 9.00
1 - Yes: Net Income TTM (383.4m) > 10m and > 3% of Revenue TTM (3% = 42.7m)
2 - Yes: FCF TTM (439.1m) > 1m and > FCF prev (98%) (424.5m)
3 - No: RoA TTM 25.52% (Net Income TTM 383.4m / Total Assets 1502.4m) >3% and > RoA prev (98%) 25.85% (392.1m / 1486.5m)
4 - Yes: Total Cash from Operating Activities TTM 444.2m > 1m and > Net Income TTM 383.4m
5 - Yes: Net Debt (Debt 1924.7m - CCE 0m) to EBITDA TTM (582.5m) ratio: 3.3 < 3.5
6 - Yes: Current Ratio 1.4 (Total Current Assets 521.3m / Total Current Liabilities 0.0m) >= 1 and > Current Ratio prev (98%) 0.99 (551.0m / 559.2m)
7 - Yes: Shares Outstanding last quarter 25.4m < quarter 12m ago 26.4m
8 - Yes: Gross Margin 77.68% (Total Revenue 1422.8m - Cost Of Revenue 317.6m / Total Revenue) > 20% and > Gross Margin prev (98%) 76.58%
9 - Yes: Asset Turnover 0.95 (Total Revenue 1422.8m / Total Assets 1502.4m) > Asset Turnover prev (98%) 0.89 (1352.3m / 1486.5m)
10 - Yes: Interest Coverage Ratio 6.75 (EBITDA 582.5m / Interest Expense 86.3m) > 5
2 - Yes: FCF TTM (439.1m) > 1m and > FCF prev (98%) (424.5m)
3 - No: RoA TTM 25.52% (Net Income TTM 383.4m / Total Assets 1502.4m) >3% and > RoA prev (98%) 25.85% (392.1m / 1486.5m)
4 - Yes: Total Cash from Operating Activities TTM 444.2m > 1m and > Net Income TTM 383.4m
5 - Yes: Net Debt (Debt 1924.7m - CCE 0m) to EBITDA TTM (582.5m) ratio: 3.3 < 3.5
6 - Yes: Current Ratio 1.4 (Total Current Assets 521.3m / Total Current Liabilities 0.0m) >= 1 and > Current Ratio prev (98%) 0.99 (551.0m / 559.2m)
7 - Yes: Shares Outstanding last quarter 25.4m < quarter 12m ago 26.4m
8 - Yes: Gross Margin 77.68% (Total Revenue 1422.8m - Cost Of Revenue 317.6m / Total Revenue) > 20% and > Gross Margin prev (98%) 76.58%
9 - Yes: Asset Turnover 0.95 (Total Revenue 1422.8m / Total Assets 1502.4m) > Asset Turnover prev (98%) 0.89 (1352.3m / 1486.5m)
10 - Yes: Interest Coverage Ratio 6.75 (EBITDA 582.5m / Interest Expense 86.3m) > 5
Altman-Z 10.50
A = 0.099 = (Total Current Assets 521.3m - Total Current Liabilities 373.3m) / Total Assets 1502.4m
B = 2.102 = Retained Earnings 3157.9m / Total Assets 1502.4m
C = 0.383 = EBIT TTM 574.9m / Total Assets 1502.4m
D = 8.721 = Market Cap 19825.5m / Total Liabilities 2273.2m
E = 0.947 = Revenue TTM 1422.8m / Total Assets 1502.4m
10.503 = (1.2 * A) + (1.4 * B) + (3.3 * C) + (0.6 * D) + (1.0 * E)
B = 2.102 = Retained Earnings 3157.9m / Total Assets 1502.4m
C = 0.383 = EBIT TTM 574.9m / Total Assets 1502.4m
D = 8.721 = Market Cap 19825.5m / Total Liabilities 2273.2m
E = 0.947 = Revenue TTM 1422.8m / Total Assets 1502.4m
10.503 = (1.2 * A) + (1.4 * B) + (3.3 * C) + (0.6 * D) + (1.0 * E)
Current Fundamental Values
Market Cap = 19825.5m USD
Market Cap in USD = 19825.5m (19825.5m USD * 1 USDUSD)
Revenue TTM = 1422.8m
Ebit TTM = 574.9m
Debt = 1924.7m (short 107.0m + long 1817.663m) last quarter
CCE = unknown 'cashAndEquivalents'
Enterprise Value = 21750.2m (Market Cap 19825.5m + Debt 1924.7m - CCE 0m)
Net Debt = 1924.7 (1924.7m Debt - 0m Cash and Cash Equilavents)
EBITDA = 582.5m (TTM)
FCF Yield = 2.21% (FCF TTM 439.1m / Market Cap 19825.5m)
FCF Margin = 30.86% (FCF TTM 439.1m / Revenue TTM 1422.8m)
Net Margin = 26.95% (Net Income TTM 383.4m / Revenue TTM 1422.8m)
Gross Margin = 77.68% ((Revenue TTM 1422.8m - Cost of Revenue TTM 317.6m) / Revenue TTM 1422.8m)
Tobins Q-Ratio = extreme level -2.384 (Market Cap 19825.5m / Book Value Of Equity -8316.7m
Interest Expense / Debt = 4.48% (Interest Expense TTM 86.26m / Debt 1925 m)
Interest Coverage Ratio = 6.75 (EbitDA TTM 582.5m) / Interest Expense TTM 86.26m)
Taxrate = 26.13% last quarter (Income Tax Expense 35.92m / Income Before Tax 137.5m)
nopat = 424.7m (Operating Income TTM 574.9m * (1 - Taxrate 0.26))
Current Ratio = 1.40 (Total Current Assets 521.3m / Total Current Liabilities 373.3m)
Debt / EBITDA = 3.30 (Debt 1924m - Cash and Cash Equivalents 0m / EBITDA 582m)
Debt / FCF = 4.38 (Debt 1924m / FCF TTM 439m)
RoA = 25.52%
RoCE = 50.91% (Ebit TTM 574.9m / x)
RoIC = 58.59% (Ebit TTM 574.9m / (Total Assets 1502 m - Total Current Assets 521.3m) )
WACC = 10.96% ((Market Cap / EV) * CAPM 0.12) + (Debt / EV) * Interest Expense on Debt * (1 - Taxrate)
Shares Correlation 10y: -95.56 - Cagr: -2.61% (-2.50)
EPS Kendall: 81.90 - EPS Cagr: 5.54% (4.54)
Rev Kendall: 73.99 - Rev Cagr: 1.88% (1.39)
Market Cap in USD = 19825.5m (19825.5m USD * 1 USDUSD)
Revenue TTM = 1422.8m
Ebit TTM = 574.9m
Debt = 1924.7m (short 107.0m + long 1817.663m) last quarter
CCE = unknown 'cashAndEquivalents'
Enterprise Value = 21750.2m (Market Cap 19825.5m + Debt 1924.7m - CCE 0m)
Net Debt = 1924.7 (1924.7m Debt - 0m Cash and Cash Equilavents)
EBITDA = 582.5m (TTM)
FCF Yield = 2.21% (FCF TTM 439.1m / Market Cap 19825.5m)
FCF Margin = 30.86% (FCF TTM 439.1m / Revenue TTM 1422.8m)
Net Margin = 26.95% (Net Income TTM 383.4m / Revenue TTM 1422.8m)
Gross Margin = 77.68% ((Revenue TTM 1422.8m - Cost of Revenue TTM 317.6m) / Revenue TTM 1422.8m)
Tobins Q-Ratio = extreme level -2.384 (Market Cap 19825.5m / Book Value Of Equity -8316.7m
Interest Expense / Debt = 4.48% (Interest Expense TTM 86.26m / Debt 1925 m)
Interest Coverage Ratio = 6.75 (EbitDA TTM 582.5m) / Interest Expense TTM 86.26m)
Taxrate = 26.13% last quarter (Income Tax Expense 35.92m / Income Before Tax 137.5m)
nopat = 424.7m (Operating Income TTM 574.9m * (1 - Taxrate 0.26))
Current Ratio = 1.40 (Total Current Assets 521.3m / Total Current Liabilities 373.3m)
Debt / EBITDA = 3.30 (Debt 1924m - Cash and Cash Equivalents 0m / EBITDA 582m)
Debt / FCF = 4.38 (Debt 1924m / FCF TTM 439m)
RoA = 25.52%
RoCE = 50.91% (Ebit TTM 574.9m / x)
RoIC = 58.59% (Ebit TTM 574.9m / (Total Assets 1502 m - Total Current Assets 521.3m) )
WACC = 10.96% ((Market Cap / EV) * CAPM 0.12) + (Debt / EV) * Interest Expense on Debt * (1 - Taxrate)
Shares Correlation 10y: -95.56 - Cagr: -2.61% (-2.50)
EPS Kendall: 81.90 - EPS Cagr: 5.54% (4.54)
Rev Kendall: 73.99 - Rev Cagr: 1.88% (1.39)