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Company Analysis

Fair Isaac Corporation FICO

A comprehensive view of key metrics, scores, and financial health for Fair Isaac Corporation

Overview of Fair Isaac Corporation

FICO NYQ
Technology Software - Application Large Cap
Fair Isaac Corporation (FICO), is a Large Cap company, in the Software - Application industry, last closed at $1131.22, about 64.4% overvalued vs fair value, -38.7% 1Y return, placing in the top 10% of its sector.
$1131.22
3.44%
As of March 13, 2026
Previous close • Vol 90d: 50.8%
52-Week Range
Market Cap
$26.83B
Enterprise Value
$29.89B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.fico.com
HQ Bozeman, MT
Employees 3,762
Fiscal year Sep 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$372
$403
$439
Current: $1131.22 -64% vs base

Engine Room Money Flow™

Large Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$2.0B
15.9%%
Gross Profit
$1.6B
19.6%%
Operating Income
$935.8M
27.6%%
Net Income
$651.9M
27.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
113.4%
Excellent

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.8B
246.3% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
2/4
Improving
0
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Fair Isaac Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
77
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
90
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing FICO's balance between Growth (32.6%), Profitability (48.0%), and Safety (19.4%). Growth 33% Safety 19% Profitability 48%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

58th percentile vs peers
58
Key Signals
Rev Growth YoY 15.9% 67p Revenue CAGR 3Y 13.1% 49p EPS Growth YoY 29.8% 54p EPS CAGR 3Y 23.2% 57p
Strengths
  • Gross Profit Margin in top 20% of peers (82.2%, 85th percentile)
  • Operating Margin in top 20% of peers (47.0%, 97th percentile)
  • Net Profit Margin in top 20% of peers (32.8%, 94th percentile)
  • Fcf Margin in top 20% of peers (37.1%, 94th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
86
Key Signals
Strengths
Risks
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Safety

34th percentile vs peers
35
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Fair Isaac Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$403.19
- - -
-64.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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