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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 Framework: Software & SaaS Large Cap
Fair Isaac Corporation (FICO), is a Large Cap company, in the Software - Application industry, last closed at $1179.19, about 65.0% overvalued vs fair value, -35.0% 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 1179.19
-0.52%
(Delayed)
• Vol 90d: 61.0%
52-Week Range
Market Cap
$27.49B
Enterprise Value
$30.54B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Excellent
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Excellent
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 53%
Updated: Mar 8
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
$380
$412
$449
Current: $1179.19 -65% 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)
$935.8M
27.6%%
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
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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
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Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
89
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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 87% Coverage
Trade-Off Triangle Visualization A ternary plot showing FICO's balance between Growth (31.5%), Profitability (45.4%), and Safety (23.1%). Growth 31% Safety 23% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

61th percentile vs peers
62
Key Signals
Rev Growth YoY 15.9% 69p Revenue CAGR 3Y 13.1% 55p EPS Growth YoY 29.8% 53p
Strengths
  • Gross Profit Margin in top 20% of peers (82.2%, 88th percentile)
  • Rule of 40 in top 20% of peers (53.0%, 91th percentile)
  • FCF Margin in top 20% of peers (37.1%, 95th percentile)
  • Operating Cash Flow Margin in top 20% of peers (39.1%, 94th percentile)
Risks

No significant risks identified for this axis.

Profitability

89th percentile vs peers
89
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
45
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
$412.42
- - -
-65.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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