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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.14
FICO's Cash to Debt is ranked lower than
92% of the 1865 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 11.22 vs. FICO: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
FICO' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.62 Max: No Debt
Current: 0.14
Equity to Asset 0.35
FICO's Equity to Asset is ranked lower than
80% of the 1764 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.60 vs. FICO: 0.35 )
Ranked among companies with meaningful Equity to Asset only.
FICO' s Equity to Asset Range Over the Past 10 Years
Min: 0.31  Med: 0.57 Max: 0.87
Current: 0.35
0.31
0.87
Interest Coverage 5.32
FICO's Interest Coverage is ranked lower than
84% of the 1274 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 60.06 vs. FICO: 5.32 )
Ranked among companies with meaningful Interest Coverage only.
FICO' s Interest Coverage Range Over the Past 10 Years
Min: 3.93  Med: 5.33 Max: 17.82
Current: 5.32
3.93
17.82
F-Score: 7
Z-Score: 5.50
M-Score: -2.83
WACC vs ROIC
9.91%
12.23%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 17.39
FICO's Operating margin (%) is ranked higher than
84% of the 1810 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.89 vs. FICO: 17.39 )
Ranked among companies with meaningful Operating margin (%) only.
FICO' s Operating margin (%) Range Over the Past 10 Years
Min: 16.39  Med: 18.62 Max: 24.89
Current: 17.39
16.39
24.89
Net-margin (%) 11.26
FICO's Net-margin (%) is ranked higher than
79% of the 1810 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.19 vs. FICO: 11.26 )
Ranked among companies with meaningful Net-margin (%) only.
FICO' s Net-margin (%) Range Over the Past 10 Years
Min: 10.31  Med: 11.79 Max: 13.6
Current: 11.26
10.31
13.6
ROE (%) 23.17
FICO's ROE (%) is ranked higher than
88% of the 1757 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.50 vs. FICO: 23.17 )
Ranked among companies with meaningful ROE (%) only.
FICO' s ROE (%) Range Over the Past 10 Years
Min: 11.2  Med: 15.44 Max: 19.58
Current: 23.17
11.2
19.58
ROA (%) 7.82
FICO's ROA (%) is ranked higher than
74% of the 1863 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.73 vs. FICO: 7.82 )
Ranked among companies with meaningful ROA (%) only.
FICO' s ROA (%) Range Over the Past 10 Years
Min: 5.05  Med: 7.45 Max: 8.06
Current: 7.82
5.05
8.06
ROC (Joel Greenblatt) (%) 174.53
FICO's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1830 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 21.22 vs. FICO: 174.53 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FICO' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 128.18  Med: 225.75 Max: 424.18
Current: 174.53
128.18
424.18
Revenue Growth (3Y)(%) 11.10
FICO's Revenue Growth (3Y)(%) is ranked higher than
67% of the 1441 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.90 vs. FICO: 11.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FICO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.2  Med: 13.20 Max: 18.2
Current: 11.1
-2.2
18.2
EPS Growth (3Y)(%) 1.30
FICO's EPS Growth (3Y)(%) is ranked lower than
59% of the 1068 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.50 vs. FICO: 1.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FICO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.9  Med: 9.00 Max: 79.1
Current: 1.3
-19.9
79.1
» FICO's 10-Y Financials

Financials (Next Earnings Date: 2016-07-28)


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

FICO Guru Trades in Q2 2015

Ray Dalio Sold Out
Ken Fisher 155,611 sh (-1.52%)
Chuck Royce 1,316,557 sh (-20.90%)
Paul Tudor Jones 2,600 sh (-21.21%)
John Rogers 603,693 sh (-39.97%)
» More
Q3 2015

FICO Guru Trades in Q3 2015

Joel Greenblatt 9,694 sh (New)
Ray Dalio 7,882 sh (New)
Paul Tudor Jones Sold Out
Ken Fisher 148,061 sh (-4.85%)
Chuck Royce 1,132,257 sh (-14.00%)
John Rogers 496,108 sh (-17.82%)
» More
Q4 2015

FICO Guru Trades in Q4 2015

Jim Simons 13,978 sh (New)
Ken Fisher 148,061 sh (unchged)
Joel Greenblatt Sold Out
John Rogers 448,858 sh (-9.52%)
Chuck Royce 817,957 sh (-27.76%)
Ray Dalio 2,274 sh (-71.15%)
» More
Q1 2016

FICO Guru Trades in Q1 2016

Joel Greenblatt 6,847 sh (New)
John Rogers 455,978 sh (+1.59%)
Ken Fisher 149,611 sh (+1.05%)
Jim Simons Sold Out
Ray Dalio Sold Out
Chuck Royce 712,700 sh (-12.87%)
» More
» Details

Insider Trades

Latest Guru Trades with FICO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Application Software » Software - Infrastructure
Compare:NAS:JCOM, NYSE:GWRE, NAS:QLIK, OTCPK:SWDAF, OTCPK:DHIFF, OTCPK:WCAGY, OTCPK:XROLF, NAS:CYBR, NYSE:NEWR, NAS:TWOU, NYSE:BKFS, NYSE:BOX, NAS:CSGS, NAS:SSNC, OTCPK:WNXDY, NYSE:EVTC, NYSE:QTWO, NAS:ULTI, OTCPK:SLVFF, NYSE:RUBI » details
Traded in other countries:FRI.Germany,
Fair Isaac Corporation is a provider of analytic, software and data management products and services that enable businesses to automate, improve and connect decisions.

Fair Isaac Corporation was founded in 1956. The Company provides products and services that enable businesses to automate, improve and connect decisions to enhance business performance. It helps businesses automate, improve and connect decisions across the enterprise, an approach it commonly refers to as Decision Management. The Company has categorized its products and services into the following three operating segments: Applications; Scores; and Tools. Applications segment includes pre-configured Decision Management applications designed for a specific type of business problem or process such as marketing, account origination, customer management, fraud and insurance claims management as well as associated professional services. Scores segment includes its business-to-business scoring solutions and services, its myFICO solutions for consumers, and associated professional services. Its scoring solutions give its clients access to analytics that can be easily integrated into their transaction streams and decision-making processes. Its scoring solutions are distributed through credit reporting agencies, as well as services through which it provides its scores to clients directly. Tools segment is composed of software tools that clients can use to create their own custom Decision Management applications, as well as associated professional services. Its products and services serve clients in multiple industries, including primarily banking, insurance, retail, healthcare and public agencies. The Company encounters competition from a number of sources, including: in-house analytic and systems developers; scoring model builders; enterprise resource planning and customer relationship management packaged solutions providers; business intelligence solutions providers; business process management and business rules management providers; providers of credit reports and credit scores; providers of automated application processing services; data vendors; neural network developers and artificial intelligence system builders; third-party professional services and consulting organizations; providers of account/workflow management software; and software companies supplying modeling, rules, or analytic development tools.

Ratios

vs
industry
vs
history
P/E(ttm) 39.08
FICO's P/E(ttm) is ranked lower than
68% of the 1361 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 23.78 vs. FICO: 39.08 )
Ranked among companies with meaningful P/E(ttm) only.
FICO' s P/E(ttm) Range Over the Past 10 Years
Min: 6.16  Med: 19.93 Max: 40.25
Current: 39.08
6.16
40.25
PE(NRI) 39.08
FICO's PE(NRI) is ranked lower than
68% of the 1241 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.26 vs. FICO: 39.08 )
Ranked among companies with meaningful PE(NRI) only.
FICO' s PE(NRI) Range Over the Past 10 Years
Min: 6.77  Med: 19.81 Max: 40.19
Current: 39.08
6.77
40.19
Price/Owner Earnings (ttm) 39.24
FICO's Price/Owner Earnings (ttm) is ranked lower than
70% of the 726 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.14 vs. FICO: 39.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FICO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.72  Med: 18.18 Max: 45.51
Current: 39.24
3.72
45.51
P/B 8.47
FICO's P/B is ranked lower than
84% of the 1976 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.76 vs. FICO: 8.47 )
Ranked among companies with meaningful P/B only.
FICO' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 3.08 Max: 8.71
Current: 8.47
0.87
8.71
P/S 4.38
FICO's P/S is ranked lower than
70% of the 2022 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.24 vs. FICO: 4.38 )
Ranked among companies with meaningful P/S only.
FICO' s P/S Range Over the Past 10 Years
Min: 0.72  Med: 2.48 Max: 4.54
Current: 4.38
0.72
4.54
PFCF 25.79
FICO's PFCF is ranked lower than
55% of the 743 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.11 vs. FICO: 25.79 )
Ranked among companies with meaningful PFCF only.
FICO' s PFCF Range Over the Past 10 Years
Min: 3.14  Med: 14.45 Max: 28.5
Current: 25.79
3.14
28.5
POCF 22.32
FICO's POCF is ranked lower than
63% of the 946 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 17.33 vs. FICO: 22.32 )
Ranked among companies with meaningful POCF only.
FICO' s POCF Range Over the Past 10 Years
Min: 2.81  Med: 12.34 Max: 23.17
Current: 22.32
2.81
23.17
EV-to-EBIT 28.02
FICO's EV-to-EBIT is ranked lower than
68% of the 1333 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 16.49 vs. FICO: 28.02 )
Ranked among companies with meaningful EV-to-EBIT only.
FICO' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.7  Med: 13.20 Max: 29.6
Current: 28.02
6.7
29.6
EV-to-EBITDA 22.98
FICO's EV-to-EBITDA is ranked lower than
72% of the 1449 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 12.53 vs. FICO: 22.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
FICO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 10.70 Max: 24.3
Current: 22.98
5
24.3
PEG 3.79
FICO's PEG is ranked lower than
68% of the 553 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 3.79 )
Ranked among companies with meaningful PEG only.
FICO' s PEG Range Over the Past 10 Years
Min: 1.02  Med: 2.06 Max: 314.5
Current: 3.79
1.02
314.5
Shiller P/E 52.43
FICO's Shiller P/E is ranked lower than
67% of the 286 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 36.60 vs. FICO: 52.43 )
Ranked among companies with meaningful Shiller P/E only.
FICO' s Shiller P/E Range Over the Past 10 Years
Min: 7.31  Med: 24.35 Max: 54.07
Current: 52.43
7.31
54.07
Current Ratio 1.15
FICO's Current Ratio is ranked lower than
78% of the 1711 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.94 vs. FICO: 1.15 )
Ranked among companies with meaningful Current Ratio only.
FICO' s Current Ratio Range Over the Past 10 Years
Min: 0.62  Med: 2.64 Max: 6.79
Current: 1.15
0.62
6.79
Quick Ratio 1.15
FICO's Quick Ratio is ranked lower than
74% of the 1711 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.83 vs. FICO: 1.15 )
Ranked among companies with meaningful Quick Ratio only.
FICO' s Quick Ratio Range Over the Past 10 Years
Min: 0.62  Med: 2.64 Max: 6.79
Current: 1.15
0.62
6.79
Days Sales Outstanding 66.74
FICO's Days Sales Outstanding is ranked higher than
52% of the 1493 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 68.62 vs. FICO: 66.74 )
Ranked among companies with meaningful Days Sales Outstanding only.
FICO' s Days Sales Outstanding Range Over the Past 10 Years
Min: 45.44  Med: 59.15 Max: 78.75
Current: 66.74
45.44
78.75
Days Payable 29.15
FICO's Days Payable is ranked lower than
66% of the 1346 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 43.98 vs. FICO: 29.15 )
Ranked among companies with meaningful Days Payable only.
FICO' s Days Payable Range Over the Past 10 Years
Min: 14.83  Med: 21.04 Max: 34.96
Current: 29.15
14.83
34.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.07
FICO's Dividend Yield is ranked lower than
99% of the 1185 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.73 vs. FICO: 0.07 )
Ranked among companies with meaningful Dividend Yield only.
FICO' s Dividend Yield Range Over the Past 10 Years
Min: 0.07  Med: 0.20 Max: 0.79
Current: 0.07
0.07
0.79
Dividend Payout 0.03
FICO's Dividend Payout is ranked higher than
99% of the 763 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.37 vs. FICO: 0.03 )
Ranked among companies with meaningful Dividend Payout only.
FICO' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.05 Max: 0.11
Current: 0.03
0.02
0.11
Forward Dividend Yield 0.07
FICO's Forward Dividend Yield is ranked lower than
99% of the 1090 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.94 vs. FICO: 0.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.07
FICO's Yield on cost (5-Year) is ranked lower than
99% of the 1432 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.24 vs. FICO: 0.07 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FICO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.07  Med: 0.20 Max: 0.79
Current: 0.07
0.07
0.79
3-Year Average Share Buyback Ratio 3.50
FICO's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 1141 Companies
in the Global Software - Infrastructure industry.

( Industry Median: -2.60 vs. FICO: 3.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FICO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.4  Med: 4.70 Max: 10.2
Current: 3.5
-16.4
10.2

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.86
FICO's Price/Projected FCF is ranked lower than
54% of the 929 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.75 vs. FICO: 1.86 )
Ranked among companies with meaningful Price/Projected FCF only.
FICO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 1.06 Max: 3
Current: 1.86
0.28
3
Price/Median PS Value 1.78
FICO's Price/Median PS Value is ranked lower than
81% of the 1860 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.10 vs. FICO: 1.78 )
Ranked among companies with meaningful Price/Median PS Value only.
FICO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.41  Med: 1.09 Max: 1.95
Current: 1.78
0.41
1.95
Price/Peter Lynch Fair Value 4.91
FICO's Price/Peter Lynch Fair Value is ranked lower than
89% of the 368 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.65 vs. FICO: 4.91 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FICO' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.6  Med: 1.53 Max: 5.12
Current: 4.91
0.6
5.12
Earnings Yield (Greenblatt) (%) 3.60
FICO's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 2116 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.26 vs. FICO: 3.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FICO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 7.60 Max: 15
Current: 3.6
3.4
15
Forward Rate of Return (Yacktman) (%) 10.89
FICO's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 726 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 10.04 vs. FICO: 10.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FICO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.1  Med: 16.50 Max: 27.1
Current: 10.89
6.1
27.1

More Statistics

Revenue (TTM) (Mil) $848.9
EPS (TTM) $ 2.96
Beta1.24
Short Percentage of Float5.46%
52-Week Range $77.57 - 119.79
Shares Outstanding (Mil)31.18
» More Articles for NYSE:FICO

Headlines

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Investing in Money: Ariel Fund & Ariel Appreciation Fund Q3 Commentary Nov 19 2012 
WEEKLY CFO SELLS HIGHLIGHT: SBAC, XOXO, MTH, FICO, SGEN, OAS Sep 03 2012 
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Earning Power: Return on Something Sep 23 2011 

More From Other Websites
Fair Isaac tops Street 3Q forecasts Jul 28 2016
Fair Isaac tops Street 3Q forecasts Jul 28 2016
FAIR ISAAC CORP Files SEC form 10-Q, Quarterly Report Jul 28 2016
FAIR ISAAC CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 28 2016
FICO Announces Earnings of $1.08 per Share for Third Quarter Fiscal 2016 Jul 28 2016
9:31 am FICO announces a $250 mln stock repurchase program Jul 28 2016
FICO Announces New Stock Repurchase Program Jul 28 2016
Q3 2016 Fair Isaac Corp Earnings Release - After Market Close Jul 28 2016
FICO Survey: Two in Five Millennials in the U.S. Are Concerned About their Level of Debt Jul 21 2016
Care.com Appoints Joanna Rees to Board of Directors Jul 15 2016
Fair Isaac Corporation Announces Date for Reporting of Third Quarter Fiscal 2016 Financial Results Jul 14 2016
Call for Entries: FICO Decisions Awards 2016 Jul 13 2016
Coverage initiated on FICO by Dougherty & Company Jul 13 2016
FICO Survey: APAC Banks Say IFRS 9 Could See Up to 30 Percent of Retained Earnings Set Aside for... Jul 03 2016
Fair Isaac Corp. breached its 50 day moving average in a Bearish Manner : FICO-US : June 27, 2016 Jun 27 2016
FICO Survey: Online Payments Taking Off, But Alternative Lending Stalls Jun 23 2016
[$$] Millions of U.S. Consumers Are Escaping Subprime Jun 22 2016
Millions of U.S. Consumers Are Escaping Subprime Jun 22 2016
FICO to Offer 'Enterprise Security Scores' Jun 14 2016
FICO Will Offer "Enterprise Security Score" for Organizations Jun 14 2016

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