Fair Isaac
Market Cap
US$14.5b
Last Updated
2021/05/06 23:35 UTC
Data Sources
Company Financials +
Executive Summary
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in North America, Latin America, Europe, the Middle East, Africa, and the Asia Pacific. More Details
Rewards
Risk Analysis
Snowflake Analysis
Mediocre balance sheet with acceptable track record.
Similar Companies
Share Price & News
How has Fair Isaac's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FICO is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: FICO's weekly volatility (4%) has been stable over the past year.
Market Performance
7 Day Return
-7.3%
FICO
-4.2%
US Software
-1.7%
US Market
1 Year Return
34.8%
FICO
39.5%
US Software
51.8%
US Market
Return vs Industry: FICO underperformed the US Software industry which returned 41.7% over the past year.
Return vs Market: FICO underperformed the US Market which returned 52.8% over the past year.
Shareholder returns
| FICO | Industry | Market | |
|---|---|---|---|
| 7 Day | -7.3% | -4.2% | -1.7% |
| 30 Day | -2.1% | -1.8% | 1.5% |
| 90 Day | 3.4% | -5.3% | 3.1% |
| 1 Year | 34.8%34.8% | 40.5%39.5% | 54.4%51.8% |
| 3 Year | 175.9%175.9% | 123.9%117.3% | 63.0%52.8% |
| 5 Year | 354.6%354.3% | 301.5%279.7% | 127.2%101.9% |
Long-Term Price Volatility Vs. Market
How volatile is Fair Isaac's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
How Many Fair Isaac Corporation (NYSE:FICO) Shares Have Insiders Sold, In The Last Year?3 weeks ago | Simply Wall St
Is Fair Isaac (NYSE:FICO) Using Too Much Debt?1 month ago | Simply Wall St
Here's Why We Think Fair Isaac (NYSE:FICO) Is Well Worth WatchingValuation
Is Fair Isaac undervalued compared to its fair value and its price relative to the market?
51.6x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: FICO ($494.21) is trading above our estimate of fair value ($209.44)
Significantly Below Fair Value: FICO is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: FICO is poor value based on its PE Ratio (51.6x) compared to the US Software industry average (49.8x).
PE vs Market: FICO is poor value based on its PE Ratio (51.6x) compared to the US market (20.4x).
Price to Earnings Growth Ratio
PEG Ratio: FICO is poor value based on its PEG Ratio (4.8x)
Price to Book Ratio
PB vs Industry: FICO is overvalued based on its PB Ratio (63.8x) compared to the US Software industry average (7.8x).
Future Growth
How is Fair Isaac forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
10.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FICO's forecast earnings growth (10.7% per year) is above the savings rate (2%).
Earnings vs Market: FICO's earnings (10.7% per year) are forecast to grow slower than the US market (15.7% per year).
High Growth Earnings: FICO's earnings are forecast to grow, but not significantly.
Revenue vs Market: FICO's revenue (7.5% per year) is forecast to grow slower than the US market (9.2% per year).
High Growth Revenue: FICO's revenue (7.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FICO's Return on Equity is forecast to be very high in 3 years time (64.3%).
Past Performance
How has Fair Isaac performed over the past 5 years?
20.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FICO has high quality earnings.
Growing Profit Margin: FICO's current net profit margins (20.9%) are higher than last year (18.9%).
Past Earnings Growth Analysis
Earnings Trend: FICO's earnings have grown significantly by 20.4% per year over the past 5 years.
Accelerating Growth: FICO's earnings growth over the past year (20%) is below its 5-year average (20.4% per year).
Earnings vs Industry: FICO earnings growth over the past year (20%) underperformed the Software industry 22.1%.
Return on Equity
High ROE: Whilst FICO's Return on Equity (124.66%) is outstanding, this metric is skewed due to their high level of debt.
Financial Health
How is Fair Isaac's financial position?
Financial Position Analysis
Short Term Liabilities: FICO's short term assets ($551.8M) exceed its short term liabilities ($500.6M).
Long Term Liabilities: FICO's short term assets ($551.8M) do not cover its long term liabilities ($855.7M).
Debt to Equity History and Analysis
Debt Level: FICO's debt to equity ratio (421.1%) is considered high.
Reducing Debt: FICO's debt to equity ratio has increased from 143.6% to 421.1% over the past 5 years.
Debt Coverage: FICO's debt is well covered by operating cash flow (50.5%).
Interest Coverage: FICO's interest payments on its debt are well covered by EBIT (9.8x coverage).
Balance Sheet
Dividend
What is Fair Isaac current dividend yield, its reliability and sustainability?
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.
Current Payout to Shareholders
Dividend Coverage: FICO is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FICO's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
9.3yrs
Average management tenure
CEO
Will Lansing (62 yo)
9.33yrs
Tenure
US$14,035,624
Compensation
Mr. William J. Lansing, also known as Will, J.D., has been the Chief Executive Officer of Fair Isaac Corporation since January 27, 2012 and serves as its President. Mr. Lansing serves as an Advisor at i-Ha...
CEO Compensation Analysis
Compensation vs Market: Will's total compensation ($USD14.04M) is about average for companies of similar size in the US market ($USD11.15M).
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 (9.3 years average tenure).
Board Members
Experienced Board: FICO's board of directors are considered experienced (5.9 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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 company bio, employee growth, exchange listings and data sources
Key Information
- Name: Fair Isaac Corporation
- Ticker: FICO
- Exchange: NYSE
- Founded: 1956
- Industry: Application Software
- Sector: Software
- Market Cap: US$14.512b
- Shares outstanding: 29.24m
- Website: https://www.fico.com
Number of Employees
Location
- Fair Isaac Corporation
- 181 Metro Drive
- Suite 700
- San Jose
- California
- 95110
- United States
Listings
Biography
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in North America, Latin America, Europe, the...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/05/06 23:35 |
| End of Day Share Price | 2021/05/06 00:00 |
| Earnings | 2021/03/31 |
| Annual Earnings | 2020/09/30 |
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.