A Business at a Glance
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Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred to in this report as “we,” “us,” “our,” and “FICO”) is a global analytics software leader. We were founded in 1956 on the premise that data, used intelligently, can improve business decisions. Today, FICO’s software and the widely used FICO® Score operationalize analytics, enabling thousands of businesses in more than 80 countries to uncover new opportunities, make timely decisions that matter, and execute them at scale. Most leading banks and credit card issuers rely on our solutions, as do insurers, retailers, telecommunications providers, automotive lenders, consumer reporting agencies, public agencies, and organizations in other industries. We also serve consumers through online services that enable people to access and understand their FICO Scores — the standard measure of consumer credit risk in the United States (“U.S.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.1B | 2.0B | 1.7B | 1.5B | 1.4B | 1.3B |
| Net Income | 658M | 652M | 513M | 429M | 374M | 392M |
| EPS | $27.01 | $26.54 | $20.45 | $16.93 | $14.18 | $13.40 |
| Free Cash Flow | 751M | 770M | 624M | 465M | 503M | 416M |
| ROIC | 48.6% | 57.7% | 53.9% | 46.3% | 44.6% | 34.2% |
| Gross Margin | 82.9% | 82.2% | 79.7% | 79.4% | 78.1% | 74.7% |
| Debt/Equity | 0.00 | -1.99 | -2.33 | -2.81 | -2.40 | -14.09 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 979M | 925M | 734M | 643M | 542M | 505M |
| Operating Margin | 47.5% | 46.5% | 42.7% | 42.5% | 39.4% | 38.4% |
| ROE | 0.0% | -48.1% | -53.3% | -62.4% | -46.6% | -353.4% |
| Shares Outstanding | 24M | 25M | 25M | 25M | 26M | 29M |
FAIR ISAAC CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
FAIR ISAAC CORP trades at 37.1x trailing earnings, compared to its 15-year median P/E of 49.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 31.6x vs a median of 37.2x. The company's 5-year average ROIC is 47.3% with a gross margin of 78.8%. Total shareholder yield (buybacks) is 6.0%. At current prices, the estimated annualized return to fair value is +23.7%.
FAIR ISAAC CORP (FICO) has a current P/E ratio of 37.1, compared to its historical median P/E of 49.8. The stock is currently considered Fair based on its historical valuation range.
FAIR ISAAC CORP (FICO) has a 5-year average return on invested capital (ROIC) of 47.3%. This indicates strong capital allocation and a potential competitive advantage.
FAIR ISAAC CORP (FICO) has a market capitalization of $23.7B. It is classified as a large-cap stock.
FAIR ISAAC CORP (FICO) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 5.99%.
Based on historical P/E analysis, FAIR ISAAC CORP (FICO) appears fair. The current P/E of 37.1 is 26% below its historical median of 49.8. The estimated fair value CAGR (P/E method) is 27.4%.
FAIR ISAAC CORP (FICO) operates in the Services-Business Services, Nec industry, within the Industrials sector.
FAIR ISAAC CORP (FICO) reported annual revenue of $2.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
FAIR ISAAC CORP (FICO) has a net profit margin of 32.7%. This is a strong margin indicating high profitability.
FAIR ISAAC CORP (FICO) generated $770 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FAIR ISAAC CORP (FICO) reported earnings per share (EPS) of $26.54 in its most recent fiscal year.
FAIR ISAAC CORP (FICO) has a return on equity (ROE) of -48.1%. A negative ROE may indicate losses or negative equity.
FAIR ISAAC CORP (FICO) has a 5-year average gross margin of 78.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 18 years of financial data for FAIR ISAAC CORP (FICO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FAIR ISAAC CORP (FICO) has a book value per share of $-71.07, based on its most recent annual SEC filing.
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