Skip to content
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 Framework: Software & SaaS Large Cap
Fair Isaac Corporation (FICO), is a Large Cap company, in the Software - Application industry, last closed at $724.19, about 38.8% overvalued vs fair value, -56.8% 1Y return, placing in the top 10% of its sector.
Metrics P/E 56.4× Rev Growth 15.9% ROE -48.1% Gross Margin 82.2%
USD 724.19
1.82%
(Delayed)
• Vol 90d: 87.4%
52-Week Range
Market Cap
$15.64B
Enterprise Value
$20.97B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 88%
Confidence: 92%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Nov 4 Call: Nov 4

Fair Value Snapshot

Bear Base Bull
$408
$443
$483
Current: $724.19 -39% vs base

Engine Room Money Flow™

Large Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$2.0B
15.9%%
Gross Profit
$1.6B
19.6%%
Operating Income (GAAP)
$924.9M
26.1%%
Operating Cash Flow
$778.8M
23%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
82.2%
Excellent

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
3
Active Leaks
2/3
Improving
0
High Impact
0
Critical
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
75
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 0.92), consistent with premium software economics.
  • Consistent Subscription Growth Revenue consistency is strong (score 0.87), pointing to a sticky customer base.

Key risks

  • Liquidity Cushion Looks Thin Liquidity position is weak (score 0.19), leaving less room for error.
  • FCF Trend Is Softening FCF trend is weak (score 0.40), suggesting cash scalability is deteriorating.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Pricing Power

Strong
91
Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Recurring Revenue Stickiness

Premium

Signals, strengths and risks for Innovation Engine

Premium

Signals, strengths and risks for Cash Scalability

Premium

Signals, strengths and risks for Capital Efficiency

Premium

Signals, strengths and risks for Balance Sheet Resilience

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 (34.7%), Profitability (47.1%), and Safety (18.3%). Growth 35% Safety 18% Profitability 47%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

68th percentile vs peers
68
Key Signals
Rev Growth YoY 15.9% 64p Revenue CAGR 3Y 13.1% 60p Def Rev Growth 19.4% 70p TSR 1.15 94p Buyback % -2.6% 79p
Strengths
  • Gross Profit Margin in top 20% of peers (82.2%, 88th percentile)
  • Rule of 40 in top 20% of peers (53.0%, 89th percentile)
  • FCF Margin in top 20% of peers (37.1%, 95th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

92th percentile vs peers
93
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

35th percentile vs peers
36
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$442.85
- - -
-38.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000