| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 2/6 |
| Past Performance | 5/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
FICO Stock Overview
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.
Fair Isaac Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$398.10 |
| 52 Week High | US$553.97 |
| 52 Week Low | US$340.48 |
| Beta | 1.25 |
| 1 Month Change | 3.00% |
| 3 Month Change | -15.74% |
| 1 Year Change | -20.94% |
| 3 Year Change | 34.55% |
| 5 Year Change | 200.09% |
| Change since IPO | 39,710.00% |
Recent News & Updates
Is Now The Time To Look At Buying Fair Isaac Corporation (NYSE:FICO)?
Fair Isaac Corporation ( NYSE:FICO ) saw a double-digit share price rise of over 10% in the past couple of months on...
Shareholders Would Enjoy A Repeat Of Fair Isaac's (NYSE:FICO) Recent Growth In Returns
If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Amongst other...
Fair Isaac: Lowering The Price Target To Reflect Slower Growth
FICO recently reported Q2 FY22 results, which were overall in line with my expectations. However, it is worth noting some parts of the business are slowing down. I believe slower economic growth and higher rates will ultimately challenge FICO's business model in the short term and growth might be more moderate in the next quarters. My new price target is $290 per share instead of $340, which reflects some of my updated assumptions.
Shareholder Returns
| FICO | US Software | US Market | |
|---|---|---|---|
| 7D | 6.0% | 3.4% | 1.0% |
| 1Y | -20.9% | -14.3% | -15.1% |
Return vs Industry: FICO underperformed the US Software industry which returned -15.5% over the past year.
Return vs Market: FICO underperformed the US Market which returned -13.2% over the past year.
Price Volatility
| FICO volatility | |
|---|---|
| FICO Average Weekly Movement | 5.6% |
| Software Industry Average Movement | 10.9% |
| Market Average Movement | 7.8% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: FICO is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: FICO's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1956 | 3,460 | Will Lansing | https://www.fico.com |
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services.
Fair Isaac Fundamentals Summary
| FICO fundamental statistics | |
|---|---|
| Market Cap | US$10.32b |
| Earnings (TTM) | US$426.26m |
| Revenue (TTM) | US$1.35b |
24.2x
P/E Ratio7.6x
P/S RatioIs FICO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FICO income statement (TTM) | |
|---|---|
| Revenue | US$1.35b |
| Cost of Revenue | US$295.60m |
| Gross Profit | US$1.06b |
| Other Expenses | US$630.46m |
| Earnings | US$426.26m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 16.44 |
| Gross Margin | 78.14% |
| Net Profit Margin | 31.52% |
| Debt/Equity Ratio | -270.5% |
How did FICO perform over the long term?
See historical performance and comparisonValuation
Is Fair Isaac undervalued compared to its fair value and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
37.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FICO ($398.1) is trading below our estimate of fair value ($639.32)
Significantly Below Fair Value: FICO is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FICO is good value based on its Price-To-Earnings Ratio (24.2x) compared to the US Software industry average (39.5x).
PE vs Market: FICO is poor value based on its Price-To-Earnings Ratio (24.2x) compared to the US market (14.9x).
Price to Earnings Growth Ratio
PEG Ratio: FICO is poor value based on its PEG Ratio (2.4x)
Price to Book Ratio
PB vs Industry: FICO has negative assets, so we can't compare its Price-To-Book Ratio to the US Software industry average.
Future Growth
How is Fair Isaac forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score
2/6Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
10.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FICO's forecast earnings growth (10.2% per year) is above the savings rate (1.9%).
Earnings vs Market: FICO's earnings (10.2% per year) are forecast to grow slower than the US market (12.1% per year).
High Growth Earnings: FICO's earnings are forecast to grow, but not significantly.
Revenue vs Market: FICO's revenue (8.4% per year) is forecast to grow faster than the US market (7.7% per year).
High Growth Revenue: FICO's revenue (8.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if FICO's Return on Equity is forecast to be high in 3 years time
Past Performance
How has Fair Isaac performed over the past 5 years?
Past Performance Score
5/6Past Performance Score 5/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
28.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FICO has high quality earnings.
Growing Profit Margin: FICO's current net profit margins (31.5%) are higher than last year (20.9%).
Past Earnings Growth Analysis
Earnings Trend: FICO's earnings have grown significantly by 28% per year over the past 5 years.
Accelerating Growth: FICO's earnings growth over the past year (53.1%) exceeds its 5-year average (28% per year).
Earnings vs Industry: FICO earnings growth over the past year (53.1%) exceeded the Software industry 27.1%.
Return on Equity
High ROE: FICO's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
Financial Health
How is Fair Isaac's financial position?
Financial Health Score
2/6Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: FICO has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: FICO has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: FICO has negative shareholder equity, which is a more serious situation than a high debt level.
Reducing Debt: FICO's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Debt Coverage: FICO's debt is well covered by operating cash flow (24.5%).
Interest Coverage: FICO's interest payments on its debt are well covered by EBIT (9.9x coverage).
Balance Sheet
Dividend
What is Fair Isaac current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FICO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FICO's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FICO's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FICO's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: FICO is not paying a notable dividend for the US market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as FICO has not reported any payouts.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
10.3yrs
Average management tenure
CEO
Will Lansing (63 yo)
10.33yrs
Tenure
US$19,429,745
Compensation
Mr. William J. Lansing, also known as Will, J.D., has been the Chief Executive Officer of Fair Isaac Corporation since January 27, 2012 and serves as its President. Mr. Lansing serves as an Advisor at i-Ha...
CEO Compensation Analysis
Compensation vs Market: Will's total compensation ($USD19.43M) is above average for companies of similar size in the US market ($USD13.26M).
Compensation vs Earnings: Will's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: FICO's management team is seasoned and experienced (10.3 years average tenure).
Board Members
Experienced Board: FICO's board of directors are considered experienced (8.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: FICO insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Fair Isaac Corporation's employee growth, exchange listings and data sources
Key Information
- Name: Fair Isaac Corporation
- Ticker: FICO
- Exchange: NYSE
- Founded: 1956
- Industry: Application Software
- Sector: Software
- Implied Market Cap: US$10.324b
- Shares outstanding: 25.93m
- Website: https://www.fico.com
Number of Employees
Location
- Fair Isaac Corporation
- 5 West Mendenhall
- Suite 105
- Bozeman
- Montana
- 59715
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/25 00:00 |
| End of Day Share Price | 2022/05/25 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/09/30 |
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.