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Fair Isaac

NYSE:FICO
Snowflake Description

Proven track record with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
FICO
NYSE
$10B
Market Cap
  1. Home
  2. US
  3. Software
Company description

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions. The last earnings update was 77 days ago. More info.


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FICO Share Price and Events
7 Day Returns
0.3%
NYSE:FICO
1.7%
US Software
1.1%
US Market
1 Year Returns
64.2%
NYSE:FICO
26.3%
US Software
4.7%
US Market
FICO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Fair Isaac (FICO) 0.3% 10.7% 23.1% 64.2% 188.6% 437.8%
US Software 1.7% 6.7% 10.5% 26.3% 126.5% 163.7%
US Market 1.1% 4.3% 2.9% 4.7% 37.7% 43.6%
1 Year Return vs Industry and Market
  • FICO outperformed the Software industry which returned 26.3% over the past year.
  • FICO outperformed the Market in United States of America which returned 4.7% over the past year.
Price Volatility
FICO
Industry
5yr Volatility vs Market
Related Companies

FICO Value

 Is Fair Isaac undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Fair Isaac to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Fair Isaac.

NYSE:FICO Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 3 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 9.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:FICO
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Software Unlevered Beta Simply Wall St/ S&P Global 1.12
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.12 (1 + (1- 21%) (8.37%))
1.13
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.13
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.13 * 5.96%)
9.47%

Discounted Cash Flow Calculation for NYSE:FICO using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Fair Isaac is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

NYSE:FICO DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 9.47%)
2020 223.56 Est @ 4.44% 204.23
2021 232.34 Est @ 3.93% 193.89
2022 240.63 Est @ 3.57% 183.45
2023 248.61 Est @ 3.32% 173.14
2024 256.41 Est @ 3.14% 163.14
2025 264.15 Est @ 3.02% 153.53
2026 271.89 Est @ 2.93% 144.36
2027 279.70 Est @ 2.87% 135.66
2028 287.61 Est @ 2.83% 127.44
2029 295.66 Est @ 2.8% 119.68
Present value of next 10 years cash flows $1,598.52
NYSE:FICO DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= $295.66 × (1 + 2.73%) ÷ (9.47% – 2.73%)
$4,509.32
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $4,509.32 ÷ (1 + 9.47%)10
$1,825.30
NYSE:FICO Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $1,598.52 + $1,825.30
$3,423.82
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $3,423.82 / 28.99
$118.1
NYSE:FICO Discount to Share Price
Calculation Result
Value per share (USD) From above. $118.10
Current discount Discount to share price of $339.00
= -1 x ($339.00 - $118.10) / $118.10
-187%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Fair Isaac is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Fair Isaac's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Fair Isaac's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:FICO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $5.20
NYSE:FICO Share Price ** NYSE (2019-07-16) in USD $339
United States of America Software Industry PE Ratio Median Figure of 81 Publicly-Listed Software Companies 52.12x
United States of America Market PE Ratio Median Figure of 3,084 Publicly-Listed Companies 17.98x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Fair Isaac.

NYSE:FICO PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:FICO Share Price ÷ EPS (both in USD)

= 339 ÷ 5.20

65.24x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Fair Isaac is overvalued based on earnings compared to the US Software industry average.
  • Fair Isaac is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Fair Isaac's expected growth come at a high price?
Raw Data
NYSE:FICO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 65.24x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
15.2%per year
United States of America Software Industry PEG Ratio Median Figure of 68 Publicly-Listed Software Companies 3.08x
United States of America Market PEG Ratio Median Figure of 2,125 Publicly-Listed Companies 1.58x

*Line of best fit is calculated by linear regression .

NYSE:FICO PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 65.24x ÷ 15.2%

4.3x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Fair Isaac is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Fair Isaac's assets?
Raw Data
NYSE:FICO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $8.52
NYSE:FICO Share Price * NYSE (2019-07-16) in USD $339
United States of America Software Industry PB Ratio Median Figure of 223 Publicly-Listed Software Companies 5.9x
United States of America Market PB Ratio Median Figure of 5,240 Publicly-Listed Companies 1.81x
NYSE:FICO PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:FICO Share Price ÷ Book Value per Share (both in USD)

= 339 ÷ 8.52

39.8x

* Primary Listing of Fair Isaac.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Fair Isaac is overvalued based on assets compared to the US Software industry average.
X
Value checks
We assess Fair Isaac's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Software industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Software industry average (and greater than 0)? (1 check)
  5. Fair Isaac has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

FICO Future Performance

 How is Fair Isaac expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
15.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Fair Isaac expected to grow at an attractive rate?
  • Fair Isaac's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Fair Isaac's earnings growth is expected to exceed the United States of America market average.
  • Fair Isaac's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:FICO Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:FICO Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 15.2%
NYSE:FICO Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 7.8%
United States of America Software Industry Earnings Growth Rate Market Cap Weighted Average 18.1%
United States of America Software Industry Revenue Growth Rate Market Cap Weighted Average 11.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:FICO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:FICO Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-09-30 1,550 1
2022-09-30 1,434 1
2021-09-30 1,341 230 2
2020-09-30 1,242 190 3
2019-09-30 1,138 169 3
NYSE:FICO Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 1,084 242 152
2018-12-31 1,062 243 150
2018-09-30 1,032 223 142
2018-06-30 1,001 217 136
2018-03-31 973 204 129
2017-12-31 945 221 123
2017-09-30 932 226 128
2017-06-30 915 204 120
2017-03-31 923 217 130
2016-12-31 901 193 128
2016-09-30 881 210 109
2016-06-30 878 224 111

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Fair Isaac's earnings are expected to grow by 15.2% yearly, however this is not considered high growth (20% yearly).
  • Fair Isaac's revenue is expected to grow by 7.8% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:FICO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Fair Isaac Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:FICO Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-09-30 10.94 10.94 10.94 1.00
2022-09-30 8.89 8.89 8.89 1.00
2021-09-30 7.37 7.59 7.14 2.00
2020-09-30 6.40 6.73 5.87 3.00
2019-09-30 5.61 5.70 5.45 3.00
NYSE:FICO Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 5.20
2018-12-31 5.08
2018-09-30 4.79
2018-06-30 4.54
2018-03-31 4.26
2017-12-31 4.02
2017-09-30 4.16
2017-06-30 3.89
2017-03-31 4.19
2016-12-31 4.12
2016-09-30 3.52
2016-06-30 3.55

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Fair Isaac will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Fair Isaac's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Fair Isaac has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

FICO Past Performance

  How has Fair Isaac performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Fair Isaac's growth in the last year to its industry (Software).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Fair Isaac's year on year earnings growth rate has been positive over the past 5 years.
  • Fair Isaac's 1-year earnings growth exceeds its 5-year average (17.3% vs 12.2%)
  • Fair Isaac's earnings growth has not exceeded the US Software industry average in the past year (17.3% vs 22%).
Earnings and Revenue History
Fair Isaac's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Fair Isaac Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:FICO Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 1,084.34 151.76 399.08 140.00
2018-12-31 1,062.37 149.54 390.28 134.84
2018-09-30 1,032.48 142.42 380.36 128.38
2018-06-30 1,001.33 136.45 369.41 124.20
2018-03-31 972.81 129.32 354.82 119.56
2017-12-31 944.93 123.23 344.92 113.70
2017-09-30 932.17 128.26 339.80 110.87
2017-06-30 914.79 120.32 340.96 108.42
2017-03-31 922.58 130.08 344.05 107.00
2016-12-31 900.88 128.11 335.32 105.18
2016-09-30 881.36 109.45 328.94 103.67
2016-06-30 878.29 110.66 322.20 102.13
2016-03-31 848.88 95.58 309.68 101.33
2015-12-31 849.31 91.34 306.04 100.82
2015-09-30 838.78 86.50 300.00 98.82
2015-06-30 827.60 89.79 295.02 95.00
2015-03-31 815.84 90.43 291.93 92.63
2014-12-31 794.19 92.31 284.02 87.98
2014-09-30 788.99 94.88 278.20 83.44
2014-06-30 757.74 86.83 266.92 78.85
2014-03-31 743.90 85.91 264.03 74.18
2013-12-31 737.77 83.65 265.72 70.51
2013-09-30 743.44 90.10 268.40 66.97
2013-06-30 739.19 82.78 271.01 66.75
2013-03-31 715.90 83.91 261.47 63.07
2012-12-31 696.09 85.43 250.86 61.03
2012-09-30 676.42 92.00 238.52 59.53

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Whilst Fair Isaac made outstanding use of shareholders’ funds last year (Return on Equity greater than 40%), this is metric is skewed due to its high level of debt.
  • Fair Isaac used its assets more efficiently than the US Software industry average last year based on Return on Assets.
  • Fair Isaac has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Fair Isaac's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Software industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Fair Isaac has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

FICO Health

 How is Fair Isaac's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Fair Isaac's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Fair Isaac's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Fair Isaac's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Fair Isaac's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.5x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Fair Isaac Company Filings, last reported 3 months ago.

NYSE:FICO Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 247.48 822.37 76.89
2018-12-31 227.90 832.16 79.90
2018-09-30 263.74 763.94 90.02
2018-06-30 294.64 758.71 119.93
2018-03-31 370.70 703.87 107.87
2017-12-31 385.64 663.83 94.21
2017-09-30 426.54 604.80 105.62
2017-06-30 432.76 611.77 130.67
2017-03-31 427.10 625.72 115.85
2016-12-31 421.91 620.67 88.10
2016-09-30 446.83 570.62 75.93
2016-06-30 428.04 601.00 118.16
2016-03-31 425.38 611.00 85.37
2015-12-31 422.17 619.00 90.71
2015-09-30 437.00 608.00 86.12
2015-06-30 396.66 648.00 84.36
2015-03-31 381.16 658.00 86.84
2014-12-31 403.22 607.00 94.65
2014-09-30 454.61 546.00 105.08
2014-06-30 479.17 530.00 93.11
2014-03-31 533.58 483.00 108.18
2013-12-31 539.42 478.00 95.94
2013-09-30 530.68 470.00 83.18
2013-06-30 515.24 485.00 93.02
2013-03-31 530.23 504.00 131.15
2012-12-31 508.73 504.00 90.84
2012-09-30 474.41 504.00 93.62
  • Fair Isaac's level of debt (332.3%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (90.7% vs 332.3% today).
  • Debt is well covered by operating cash flow (29.4%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 5.9x coverage).
X
Financial health checks
We assess Fair Isaac's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Fair Isaac has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

FICO Dividends

 What is Fair Isaac's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Fair Isaac dividends. Estimated to be 0% next year.
If you bought $2,000 of Fair Isaac shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Fair Isaac's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Fair Isaac's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:FICO Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United States of America Software Industry Average Dividend Yield Market Cap Weighted Average of 22 Stocks 1.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:FICO Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-09-30
2022-09-30
2021-09-30 0.00 1.00
2020-09-30 0.00 1.00
2019-09-30 0.00 1.00
NYSE:FICO Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-30 0.000 0.000
2019-01-30 0.000 0.000
2018-11-09 0.000 0.000
2018-11-01 0.000 0.000
2018-07-26 0.000 0.000
2018-04-26 0.000 0.000
2018-01-25 0.000 0.000
2017-11-09 0.000 0.000
2017-11-01 0.000 0.000
2017-07-31 0.000 0.000
2017-02-16 0.080 0.060
2016-10-27 0.080 0.067
2016-08-25 0.080 0.063
2016-05-12 0.080 0.069
2016-02-25 0.080 0.077
2015-10-29 0.080 0.088
2015-08-27 0.080 0.093
2015-05-14 0.080 0.089
2015-02-25 0.080 0.091
2014-10-29 0.080 0.110
2014-08-20 0.080 0.140
2014-07-28 0.080 0.142
2014-02-12 0.080 0.141
2013-11-06 0.080 0.138
2013-08-21 0.080 0.147
2013-05-15 0.080 0.163
2013-02-13 0.080 0.178
2012-11-07 0.080 0.186
2012-08-22 0.080 0.180
2012-05-01 0.080 0.189
2012-02-08 0.080 0.192
2011-11-30 0.080 0.217
2011-08-24 0.080 0.302
2011-05-03 0.080 0.280
2011-02-02 0.080 0.281
2010-11-17 0.080 0.335
2010-08-25 0.080 0.330
2010-05-05 0.080 0.348
2010-02-03 0.080 0.335
2009-11-17 0.080 0.390
2009-08-25 0.080 0.374
2009-05-05 0.080 0.462
2009-02-04 0.080 0.596
2008-11-19 0.080 0.562
2008-08-27 0.080 0.450

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Fair Isaac has not reported any payouts.
  • Unable to verify if Fair Isaac's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Fair Isaac's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Fair Isaac has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Fair Isaac's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess Fair Isaac's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Fair Isaac afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Fair Isaac has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

FICO Management

 What is the CEO of Fair Isaac's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Will Lansing
COMPENSATION $12,247,481
AGE 61
TENURE AS CEO 7.5 years
CEO Bio

Mr. William J. Lansing, also known as Will, J.D., has been the Chief Executive Officer of Fair Isaac Corporation since January 27, 2012 and also serves as its President. Mr. Lansing serves as an Advisor at i-Hatch Ventures, LLC. Mr. Lansing served as the President and Chief Executive Officer of InfoSpace Inc. from February 2, 2009 to November 2010 and of ValueVision Media Inc. (also known as EVINE Live Inc.) from 2004 to October 26, 2007. He joined InfoSpace Inc. on February 2, 2009. Mr. Lansing served as a General Partner at General Atlantic Partners from September 2001 to 2003. Prior to General Atlantic, he served as the Chief Executive Officer at NBC Internet Inc. from March 2000 to August 2001. From March 1998 to March 2000, Mr. Lansing served as the President and Chief Executive Officer at Fingerhut Companies Inc. He joined Fingerhut in May 1998. Mr. Lansing served as the Vice President of Business Development at General Electric Co. from October 1996 to May 1998. He also served as a Member of General Electric's Corporate Executive Council. Prior to General Electric, Mr. Lansing served as the Chief Operating Officer and Executive Vice President of Prodigy Communications Corp. from January 1996 to October 1996. He was also a Partner at McKinsey & Company, Inc. from October 1986 to January 1996, where he was a leader of the Internet practice. Mr. Lansing also served as a Consultant at it as a securities lawyer. He has been Chairman of the Board for Shutterfly, Inc. since February 22, 2017. He served as the Chairman of Federated Direct, Inc. and Fingerhut Companies Inc. He has been a Director of Fair Isaac Corporation since February 2006. He serves as a Director of PCFlowers.com., BigStar.com, Freeshop.com and Mountainzone.com. He served as Lead Independent Director of Rightnow Technologies Inc. from June 2008 to January 25, 2012 and its Director since until January 25, 2012. He has been Director at EXE Technologies, Inc. since March 2002. Mr. Lansing was a Member of Advisory Board at Avangate B.V. since August 16, 2011 & 2Checkout.com, Inc. He served as an Executive Director of ValueVision Media Inc. until October 26, 2007. He serves as Director at Aptimus, Inc. He served as a Director at Select Comfort Corporation. He served as a Director of Digital River Inc. from November 1998 to May 28, 2009, NBC Internet since March 2000, BigStar Entertainment Inc., Net Perceptions Inc. from May 1999 to August 22, 2003, InfoSpace Inc. from February 2, 2009 to November 2010 and Perfect Commerce, Inc., Prior to the Acquisition by eScout.com. Mr. Lansing received a JD from Georgetown University in 1985 and a BA in English from Wesleyan University in 1980.

CEO Compensation
  • Will's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Will's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Fair Isaac management team in years:

7.6
Average Tenure
56
Average Age
  • The average tenure for the Fair Isaac management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Will Lansing

TITLE
President
COMPENSATION
$12M
AGE
61
TENURE
7.5 yrs

Mike Pung

TITLE
Executive VP
COMPENSATION
$3M
AGE
56
TENURE
8.7 yrs

Stuart Wells

TITLE
Executive VP & Chief Product and Technology Officer
COMPENSATION
$4M
AGE
63
TENURE
7.3 yrs

Wayne Huyard

TITLE
Executive Vice President of Sales
COMPENSATION
$4M
AGE
60
TENURE
4.7 yrs

Jim Wehmann

TITLE
Executive Vice President of Scores
COMPENSATION
$4M
AGE
54
TENURE
7.3 yrs

Michael Leonard

TITLE
VP & Chief Accounting Officer
AGE
54
TENURE
7.7 yrs

Claus Moldt

TITLE
Chief Information Officer
TENURE
3.3 yrs

Mark Scadina

TITLE
Executive VP
COMPENSATION
$2M
AGE
50
TENURE
12.1 yrs

Rich Deal

TITLE
Executive VP & Chief Human Resources Officer
COMPENSATION
$998K
AGE
52
TENURE
18.5 yrs

Andrew Jennings

TITLE
Senior VP of Scores & Analytics and Head of FICO Labs
AGE
64
TENURE
11.8 yrs
Board of Directors Tenure

Average tenure and age of the Fair Isaac board of directors in years:

6.1
Average Tenure
59
Average Age
  • The tenure for the Fair Isaac board of directors is about average.
Board of Directors

Braden Kelly

TITLE
Chairman of the Board
COMPENSATION
$487K
AGE
48
TENURE
3.4 yrs

Will Lansing

TITLE
President
COMPENSATION
$12M
AGE
61
TENURE
13.4 yrs

Skip Battle

TITLE
Director
COMPENSATION
$352K
AGE
75
TENURE
22.9 yrs

Jim Kirsner

TITLE
Director
COMPENSATION
$352K
AGE
75
TENURE
12.4 yrs

David Rey

TITLE
Director
COMPENSATION
$326K
AGE
68
TENURE
7.8 yrs

Joanna Rees

TITLE
Director
COMPENSATION
$311K
AGE
57
TENURE
4.4 yrs

Marc McMorris

TITLE
Director
COMPENSATION
$351K
AGE
51
TENURE
3.8 yrs

Eva Manolis

TITLE
Director
COMPENSATION
$467K
AGE
55
TENURE
1.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
12. Mar 19 Sell Michael Pung Individual 12. Mar 19 12. Mar 19 -4 $255.00 $-943
14. Feb 19 Sell Mark Scadina Individual 12. Feb 19 13. Feb 19 -4,942 $239.85 $-1,185,103
12. Feb 19 Sell Wayne Huyard Individual 11. Feb 19 11. Feb 19 -5,000 $237.00 $-1,179,563
06. Feb 19 Sell Wayne Huyard Individual 04. Feb 19 04. Feb 19 -5,000 $229.48 $-1,147,388
15. Nov 18 Buy A. Battle Individual 13. Nov 18 13. Nov 18 5,230 $191.84 $996,688
17. Aug 18 Sell David Rey Individual 16. Aug 18 16. Aug 18 -7,374 $215.38 $-1,588,212
X
Management checks
We assess Fair Isaac's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Fair Isaac has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

FICO News

Simply Wall St News

Fair Isaac Corporation (NYSE:FICO) Earns Among The Best Returns In Its Industry

Analysts use this formula to calculate return on capital employed: Return on Capital Employed = Earnings Before Interest and Tax (EBIT) ÷ (Total Assets - Current Liabilities) Or for Fair Isaac: 0.25 = US$221m ÷ (US$1.3b - US$437m) (Based on the trailing twelve months to March 2019.) So, Fair Isaac has an ROCE of 25%. … How Fair Isaac's Current Liabilities Impact Its ROCE Short term (or current) liabilities, are things like supplier invoices, overdrafts, or tax bills that need to be paid within 12 months. … The ROCE equation subtracts current liabilities from capital employed, so a company with a lot of current liabilities appears to have less capital employed, and a higher ROCE than otherwise.

Simply Wall St -

Have Investors Priced In Fair Isaac Corporation's (NYSE:FICO) Growth?

Fair Isaac is trading at price-to-earnings (PE) ratio of 60.95x, this also tells us the stock is overvalued based on current earnings compared to the Software industry average of 51.57x , and overvalued compared to the US market average ratio of 18.24x. … But, to properly examine the value of a high-growth stock such as Fair Isaac, we must reflect its earnings growth into the valuation. … This means that, when we account for Fair Isaac's growth, the stock can be viewed as overvalued , based on the fundamentals.

Simply Wall St -

Have Insiders Been Selling Fair Isaac Corporation (NYSE:FICO) Shares?

So shareholders might well want to know whether insiders have been buying or selling shares in Fair Isaac Corporation (NYSE:FICO). … See our latest analysis for Fair Isaac The Last 12 Months Of Insider Transactions At Fair Isaac Over the last year, we can see that the biggest insider sale was by the Director, David Rey, for US$1.6m worth of shares, at about US$215 per share. … It's heartening that insiders own plenty of stock, but we'd like to see more insider buying, since the last year of Fair Isaac insider transactions don't fill us with confidence.

Simply Wall St -

Should You Be Excited About Fair Isaac Corporation's (NYSE:FICO) 61% Return On Equity?

The formula for return on equity is: Return on Equity = Net Profit ÷ Shareholders' Equity Or for Fair Isaac: 61% = US$152m ÷ US$247m (Based on the trailing twelve months to March 2019.) It's easy to understand the 'net profit' part of that equation, but 'shareholders' equity' requires further explanation. … Does Fair Isaac Have A Good Return On Equity? … Fair Isaac's Debt And Its 61% ROE It seems that Fair Isaac uses a lot of debt to fund the business, since it has a high debt to equity ratio of 3.32.

Simply Wall St -

Here's Why I Think Fair Isaac (NYSE:FICO) Is An Interesting Stock

So if you're like me, you might be more interested in profitable, growing companies, like Fair Isaac (NYSE:FICO). … We would not expect to see insiders owning a large percentage of a US$8.5b company like Fair Isaac. … You can't deny that Fair Isaac has grown its earnings per share at a very impressive rate.

Simply Wall St -

Is Fair Isaac Corporation (NYSE:FICO) Potentially Undervalued?

Fair Isaac Corporation (NYSE:FICO), which is in the software business, and is based in United States,. … As a well-established company, which tends to be well-covered by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … Let’s take a look at Fair Isaac’s outlook and value based on the most recent financial data to see if the opportunity still exists

Simply Wall St -

Do You Like Fair Isaac Corporation (NYSE:FICO) At This P/E Ratio?

This article is written for those who want to get better at using price to earnings ratios (P/E ratios). … Based on the last twelve months, Fair Isaac's P/E ratio is 54.93. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Here's What Fair Isaac Corporation's (NYSE:FICO) ROCE Can Tell Us

To be precise, we'll consider its Return On Capital Employed (ROCE), as that will inform our view of the quality of the business. … Return On Capital Employed (ROCE): What is it? … ROCE is a measure of a company's yearly pre-tax profit (its return), relative to the capital employed in the business.

Simply Wall St -

Does The Hype Around Fair Isaac Corporation's (NYSE:FICO) Growth Justify Its March Share Price?

Fair Isaac Corporation (NYSE:FICO) is considered a high-growth stock, but its last closing price of $263.38 left some investors wondering if this high future earnings potential can be rationalized by its current price tag. … What can we expect from Fair Isaac in the future. … According to the analysts covering the company, the following few years should bring about good growth prospects for Fair Isaac

Simply Wall St -

Can Fair Isaac Corporation's (NYSE:FICO) ROE Continue To Surpass The Industry Average?

Our data shows Fair Isaac has a return on equity of 66% for the last year. … One way to conceptualize this, is that for each $1 of shareholders' equity it has, the company made $0.66 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

FICO Company Info

Description

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions. The company offers analytical solutions, credit scoring, and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, healthcare organizations, and public agencies. It operates through three segments: Applications, Scores, and Decision Management Software. The Applications segment offers pre-configured decision management applications designed for various business problems or processes, such as marketing, account origination, customer management, fraud, collection, and insurance claims management, as well as associated professional services. The Scores segment provides business-to-business scoring solutions and services, including myFICO solutions for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as associated professional services. The Decision Management Software segment offers analytic and decision management software tools, as well as associated professional services. The company offers a portfolio of applications, tools, and services in the cloud to clients through its FICO Analytic Cloud, FICO Decision Management Suite, and FICO Decision Management Platform. Fair Isaac Corporation markets its products and services primarily through its direct sales organization; indirect channels; subsidiary sales organizations; and resellers and independent distributors, as well as online. It operates in the United States, the United Kingdom, and internationally. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in San Jose, California.

Details
Name: Fair Isaac Corporation
FICO
Exchange: NYSE
Founded: 1956
$9,827,618,814
28,990,026
Website: http://www.fico.com
Address: Fair Isaac Corporation
181 Metro Drive,
Suite 700,
San Jose,
California, 95110,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE FICO Common Stock New York Stock Exchange US USD 22. Jul 1987
DB FRI Common Stock Deutsche Boerse AG DE EUR 22. Jul 1987
LSE 0TIQ Common Stock London Stock Exchange GB USD 22. Jul 1987
Number of employees
Current staff
Staff numbers
3,896
Fair Isaac employees.
Industry
Application Software
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/16 23:36
End of day share price update: 2019/07/16 00:00
Last estimates confirmation: 2019/07/08
Last earnings filing: 2019/04/30
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/09/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.