Fair Isaac Salute del bilancio
Criteri Salute finanziaria verificati 2/6
Fair Isaac ha un patrimonio netto totale di $-2.1B e un debito totale di $3.6B, che porta il suo rapporto debito/patrimonio netto a -173.2%. Le sue attività totali e le sue passività totali sono rispettivamente $2.0B e $4.1B. L'EBIT di Fair Isaac è $1.1B rendendo il suo rapporto di copertura degli interessi 7.2. Ha liquidità e investimenti a breve termine pari a $219.4M.
Informazioni chiave
-173.15%
Rapporto debito/patrimonio netto
US$3.64b
Debito
| Indice di copertura degli interessi | 7.2x |
| Contanti | US$219.42m |
| Patrimonio netto | -US$2.10b |
| Totale passività | US$4.15b |
| Totale attività | US$2.05b |
Aggiornamenti recenti sulla salute finanziaria
Nessun aggiornamento
Recent updates
Aggiornamento della narrazione • May 22
FICO: Mortgage Pricing Pressure Will Ultimately Support Future Upside Potential
Analysts have trimmed Fair Isaac's implied fair value from about $1,728 to roughly $1,553. This reflects a cluster of reduced Street price targets as they factor in slightly lower revenue growth assumptions, a modestly higher discount rate and a lower future P/E multiple, partly offset by a small uplift in projected profit margins.Seeking Alpha • May 14
Fair Isaac: Accelerating Earnings Growth Proves Shares Are Undervalued
Summary Fair Isaac Corporation delivered a blowout 2Q26, with revenues up 39% and net income up 63% YoY, far surpassing expectations. FICO’s Scores segment surged 60% YoY, driven by aggressive price hikes and a 127% increase in mortgage originations, expanding operating margin to 91%. Management raised FY26 guidance and robustly rebutted concerns about VantageScore eroding FICO’s market dominance, emphasizing the trivial paid adoption of VS. I maintain a Strong Buy rating on FICO, projecting a 28.5%–43.5% 3-year CAGR, but note elevated leverage and regulatory risks warrant close monitoring. Read the full article on Seeking Alpha
Aggiornamento della narrazione • May 01
FICO: Cheaper Rival Credit Scores Will Pressure Future Mortgage Pricing Power
Analysts have reduced Fair Isaac's average price target by roughly $230 to about $890, reflecting updated assumptions for slightly lower revenue growth, slimmer profit margins and a more conservative future P/E multiple, despite mixed recent price target moves across the Street. Analyst Commentary Recent Street research on Fair Isaac has tilted more cautious, with a series of price target cuts clustering over a relatively short period.Articolo di analisi • May 01
Results: Fair Isaac Corporation Exceeded Expectations And The Consensus Has Updated Its Estimates
A week ago, Fair Isaac Corporation ( NYSE:FICO ) came out with a strong set of second-quarter numbers that could...Aggiornamento della narrazione • Apr 15
FICO: Competitive Mortgage Pricing Shifts Are Expected To Create Future Upside Opportunity
Analysts have reduced their implied price target on Fair Isaac from about $1,971 to roughly $1,728. This reflects updated views on competitive pressure from lower priced VantageScore offerings, modest adjustments to long term profit expectations, and slightly lower assumed future P/E multiples.Aggiornamento della narrazione • Apr 01
FICO: Mortgage License Push Will Face Cheaper Score Rivals And Buyback Support
Analysts have reduced Fair Isaac's implied value from about $1,490 to roughly $1,120 per share. This reflects lower Street price targets in response to new competitive pressure from low-priced VantageScore offerings and recent research caution on FICO's mortgage and pricing outlook.
Nuova narrazione • Mar 19
Fair Isaac Corporation (FICO): A Tale of Two Segments Amid a Market Correction
Fair Isaac Corporation (FICO) has long been the "gold standard" of the credit world, but the narrative on March 19, 2026, is one of intense volatility. The stock closed the session at $1,114.27 USD , enduring a sharp 7.43% decline in a single day.
Aggiornamento della narrazione • Mar 18
FICO: Capital Returns Will Offset Mortgage Pricing Pressure Over Time
Analyst price targets for Fair Isaac have been revised lower, with several firms cutting targets in a range from about $2,500 to $1,350 as they weigh potential competitive pressure from lower priced VantageScore offerings, differing views on regulatory risk, and the impact of the company's recent $1b debt raise on shareholder returns. Analyst Commentary Recent research on Fair Isaac highlights a split tape of opinion, with some firms cutting price targets while others point to potential upside drivers around capital returns, competitive positioning, and long term growth in information and business services.Aggiornamento della narrazione • Mar 04
FICO: Regulatory Overhang Is Expected To Create Future Upside Opportunity
Our updated analyst price target for Fair Isaac shifts to $1,971 from $2,023, reflecting refreshed views on revenue growth, profitability, and future P/E assumptions that have been influenced by recent Street research taking a generally constructive stance on the broader information and business services group. Analyst Commentary Recent Street research on Fair Isaac clusters around valuation reset, regulatory watchpoints, and how the company can execute against growth expectations implied by current multiples.Aggiornamento della narrazione • Feb 17
FICO: Mortgage Competition Will Reinforce Core Credit Scoring Franchise
Analysts have modestly fine tuned their Fair Isaac price targets, incorporating updated assumptions around revenue growth, profit margins and future P/E multiples into a refreshed model that reflects recent Street research on the name. Analyst Commentary Bullish analysts are highlighting Fair Isaac as a key name within the broader Information and Business Services group, with fresh coverage and revised targets reflecting confidence in the company’s ability to execute on its business model.Aggiornamento della narrazione • Feb 03
FICO: Mortgage Scoring Review Will Reinforce Core Franchise Strength
Analysts kept their Fair Isaac fair value estimate steady at $2,500.00, but modest tweaks to revenue growth, profit margin, discount rate and future P/E inputs reflect mixed recent research. Some firms raised price targets on optimism around FICO 10T and long term adoption, while others trimmed targets following a softer software quarter and more cautious management guidance.Aggiornamento della narrazione • Jan 20
FICO: Core Credit Franchise Will Withstand New Mortgage Scoring Competition
Analysts have adjusted the Fair Isaac price target to about US$2,500, reflecting updated assumptions for faster revenue growth, stronger profit margins, a higher discount rate, and a lower future P/E multiple, supported by recent research that highlights both the potential benefit of FICO 10T and mixed reactions to the company’s fiscal 2026 outlook. Analyst Commentary Recent Street research on Fair Isaac highlights a mix of optimism on the core franchise and caution around the fiscal 2026 outlook.Aggiornamento della narrazione • Jan 06
FICO: Mortgage Credit Score Changes Will Support Future Share Gains
Analysts have trimmed their fair value estimate for Fair Isaac by about US$8.60 to reflect slightly lower revenue growth assumptions and a modestly higher discount rate, while still highlighting FICO 10T and ongoing credit score adoption as key supports for the updated price targets. Analyst Commentary Recent Street research on Fair Isaac presents a mixed picture, with several firms highlighting growth drivers tied to FICO 10T and long term revenue potential, while others flag valuation and regulatory risks that could limit upside from current levels.Aggiornamento della narrazione • Dec 15
FICO: Rising Mortgage License Ambitions Will Likely Struggle Against Intensifying Score Competition
Analysts have nudged our Fair Isaac fair value estimate higher from $1,364 to about $1,490. This reflects slightly faster expected revenue growth, modestly lower future valuation multiples, and the view that initiatives like FICO 10T and the mortgage direct license program will reinforce the company’s dominant, high margin scoring franchise despite near term guidance uncertainty.Aggiornamento della narrazione • Nov 30
FICO: Upcoming Mortgage Program Will Strengthen Share Amid Credit Score Shakeup
Analysts have modestly raised their fair value estimate for Fair Isaac to $2,031.78, citing recent updates in price targets and improved outlooks based on stronger revenue growth, profit margin expansion, and continued positive sentiment around the company's new products and fiscal performance. Analyst Commentary Analysts have recently weighed in on Fair Isaac's outlook, highlighting both promising growth factors and areas warranting caution.Aggiornamento della narrazione • Nov 16
FICO: Recent License Program Will Drive Incremental Revenue Growth Opportunities
Fair Isaac's analyst price target has seen a modest decrease, as updated guidance and a slightly lower projected profit margin have led analysts to trim fair value estimates by less than $1 to $2,016. This adjustment is due to more conservative forecasts and ongoing uncertainty in the mortgage sector.Aggiornamento della narrazione • Oct 31
FICO: New Mortgage Direct License Program Will Drive Market Leadership
Analysts have raised their price target for Fair Isaac to $2,400 from $2,000. They cited stronger-than-expected revenue growth and optimism about the company’s new mortgage direct license program.Aggiornamento della narrazione • Oct 17
Global Cloud Migration And International Partnerships Will Transform Financial Services
Analysts have increased their fair value estimate for Fair Isaac from $1,913 to $2,017, citing stronger revenue growth and improved profit outlook following recent updates to the company’s business model. Analyst Commentary Recent research coverage of Fair Isaac has produced a mix of bullish and bearish views, as analysts assess the impact of the company's updated business model and Mortgage Direct License Program on its growth trajectory and competitive positioning.Aggiornamento della narrazione • Oct 03
Global Cloud Migration And International Partnerships Will Transform Financial Services
Fair Isaac's analyst price target has risen from $1,874.70 to $1,913.47. This change reflects improved views on its mortgage licensing business, sustained market leadership, and incremental increases to revenue growth and profit margin expectations, according to analysts.Aggiornamento della narrazione • Sep 02
Global Cloud Migration And International Partnerships Will Transform Financial Services
The consensus price target for Fair Isaac decreased to $1,872 as analysts weighed increased regulatory uncertainty and competitive threats from the FHFA’s move to include VantageScore 4.0, though resilient EPS estimates and a robust business model remain supportive of fair value. Analyst Commentary Bearish analysts lowered price targets due to the Federal Housing Finance Agency's decision to allow Fannie Mae and Freddie Mac to use VantageScore 4.0, raising concerns about increased competition and potential erosion of FICO's monopoly.Articolo di analisi • Aug 02
Fair Isaac Corporation's (NYSE:FICO) Share Price Is Still Matching Investor Opinion Despite 25% Slump
To the annoyance of some shareholders, Fair Isaac Corporation ( NYSE:FICO ) shares are down a considerable 25% in the...Articolo di analisi • Aug 01
Fair Isaac Corporation Just Beat EPS By 14%: Here's What Analysts Think Will Happen Next
Fair Isaac Corporation ( NYSE:FICO ) just released its third-quarter report and things are looking bullish. It was...Seeking Alpha • Apr 21
Fair Isaac Corporation: Shares Deserve To Fall Like My Credit Score Does
Summary Fair Isaac Corporation is a high-quality, global analytics firm with impressive revenue and profit growth, but its stock is currently overvalued. Despite strong financials and minimal debt, FICO's shares are expensive relative to similar companies and their historical valuations. Management's ongoing stock buybacks are suboptimal at current high valuations; capital should be allocated toward growth opportunities instead. Analysts expect continued revenue and profit growth, but I recommend a 'sell' rating due to the stock's lofty valuation. Read the full article on Seeking AlphaSeeking Alpha • Feb 18
Fair Isaac: Score Prices Shall Keep Rising
Summary Fair Isaac keeps executing its price increase strategy and still has room for further increases in the scores segment. Volume growth in mortgage originations (110% YoY), on top of the increase in prices, should boost its free cash flow in FY2025. The growth rate has decreased in the software segment, but management expects it to accelerate in the coming quarters. A change in regulation is unlikely over the next years. Read the full article on Seeking AlphaSeeking Alpha • Feb 06
Fair Isaac: Valuation Has Come Down, But It Is Still Expensive
Summary I reiterate my hold rating for Fair Isaac due to its high valuation multiple and potential for further derating if growth slows in 2Q25. FICO’s Scores segment shows strong growth with a 110% y/y increase in mortgage scores revenue, driven by significant pricing power and volume demand. Despite concerns in the software segment, FICO’s strong free cash flow and underpenetrated TAM offer long-term growth potential. Valuation remains the biggest issue, with FICO trading at >50x forward earnings, leaving no margin for error if growth decelerates. Read the full article on Seeking AlphaAnalisi della posizione finanziaria
Passività a breve termine: FICO ha un patrimonio netto negativo, che è una situazione più grave rispetto a quella delle attività a breve termine che non coprono le passività a breve termine.
Passività a lungo termine: FICO ha un patrimonio netto negativo, il che rappresenta una situazione più grave rispetto a quella delle attività a breve termine che non coprono le passività a lungo termine.
Storia e analisi del rapporto debito/patrimonio netto
Livello di debito: FICO ha un patrimonio netto negativo, che è una situazione più grave di un elevato livello di debito.
Riduzione del debito: FICO ha un patrimonio netto negativo, quindi non abbiamo bisogno di controllare se il suo debito si è ridotto nel tempo.
Copertura del debito: Il debito di FICO è ben coperto dal flusso di cassa operativo ( 24.9% ).
Copertura degli interessi: I pagamenti degli interessi sul debito di FICO sono ben coperti dall'EBIT ( 7.2 x copertura).
Bilancio
Scoprire le aziende sane
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/24 12:46 |
| Prezzo dell'azione a fine giornata | 2026/05/22 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/09/30 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
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| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
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| Proprietà | 10 anni |
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| Gestione | 10 anni |
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| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Fair Isaac Corporation è coperta da 34 analisti. 20 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Jeffrey Meuler | Baird |
| Manav Patnaik | Barclays |
| Jeffrey Silber | BMO Capital Markets Equity Research |