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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.15
FICO's Cash to Debt is ranked lower than
93% of the 1831 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 12.17 vs. FICO: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
FICO' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.69 Max: No Debt
Current: 0.15
Equity to Asset 0.35
FICO's Equity to Asset is ranked lower than
81% of the 1739 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: 0.58 Max: 0.87
Current: 0.35
0.31
0.87
Interest Coverage 5.00
FICO's Interest Coverage is ranked lower than
84% of the 1204 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 60.40 vs. FICO: 5.00 )
Ranked among companies with meaningful Interest Coverage only.
FICO' s Interest Coverage Range Over the Past 10 Years
Min: 3.93  Med: 5.36 Max: 17.82
Current: 5
3.93
17.82
F-Score: 7
Z-Score: 5.19
M-Score: -2.84
WACC vs ROIC
9.95%
12.03%
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 (%) 16.89
FICO's Operating margin (%) is ranked higher than
83% of the 1784 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.77 vs. FICO: 16.89 )
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: 16.89
16.39
24.89
Net-margin (%) 10.75
FICO's Net-margin (%) is ranked higher than
76% of the 1783 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.28 vs. FICO: 10.75 )
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: 10.75
10.31
13.6
ROE (%) 22.38
FICO's ROE (%) is ranked higher than
86% of the 1736 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.22 vs. FICO: 22.38 )
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: 22.38
11.2
19.58
ROA (%) 7.53
FICO's ROA (%) is ranked higher than
72% of the 1831 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.13 vs. FICO: 7.53 )
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: 7.53
5.05
8.06
ROC (Joel Greenblatt) (%) 168.13
FICO's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1803 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 22.24 vs. FICO: 168.13 )
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: 423.38
Current: 168.13
128.18
423.38
Revenue Growth (3Y)(%) 11.10
FICO's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1413 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.80 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: 12.40 Max: 19.8
Current: 11.1
-2.2
19.8
EBITDA Growth (3Y)(%) 0.10
FICO's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1146 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.20 vs. FICO: 0.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FICO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -4  Med: 10.40 Max: 32.2
Current: 0.1
-4
32.2
EPS Growth (3Y)(%) 1.30
FICO's EPS Growth (3Y)(%) is ranked lower than
57% of the 1047 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.90 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: 12.10 Max: 79.1
Current: 1.3
-19.9
79.1
» FICO's 10-Y Financials

Financials (Next Earnings Date: 2016-05-04)


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

» 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

Ken Fisher 149,611 sh (+1.05%)
» 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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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 37.84
FICO's P/E(ttm) is ranked lower than
68% of the 1202 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 23.91 vs. FICO: 37.84 )
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: 38.65
Current: 37.84
6.16
38.65
PE(NRI) 37.84
FICO's PE(NRI) is ranked lower than
68% of the 1207 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 23.76 vs. FICO: 37.84 )
Ranked among companies with meaningful PE(NRI) only.
FICO' s PE(NRI) Range Over the Past 10 Years
Min: 6.77  Med: 19.82 Max: 38.58
Current: 37.84
6.77
38.58
Price/Owner Earnings (ttm) 22.80
FICO's Price/Owner Earnings (ttm) is ranked lower than
51% of the 718 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 22.16 vs. FICO: 22.80 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FICO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.44  Med: 15.47 Max: 27.3
Current: 22.8
3.44
27.3
P/B 7.93
FICO's P/B is ranked lower than
85% of the 1693 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.64 vs. FICO: 7.93 )
Ranked among companies with meaningful P/B only.
FICO' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 3.02 Max: 8.08
Current: 7.93
0.87
8.08
P/S 4.08
FICO's P/S is ranked lower than
68% of the 1750 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.06 vs. FICO: 4.08 )
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: 4.5
Current: 4.08
0.72
4.5
PFCF 23.32
FICO's PFCF is ranked lower than
51% of the 639 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 22.41 vs. FICO: 23.32 )
Ranked among companies with meaningful PFCF only.
FICO' s PFCF Range Over the Past 10 Years
Min: 3.14  Med: 14.47 Max: 28.5
Current: 23.32
3.14
28.5
POCF 20.13
FICO's POCF is ranked lower than
60% of the 826 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 16.00 vs. FICO: 20.13 )
Ranked among companies with meaningful POCF only.
FICO' s POCF Range Over the Past 10 Years
Min: 2.81  Med: 12.36 Max: 23.17
Current: 20.13
2.81
23.17
EV-to-EBIT 27.02
FICO's EV-to-EBIT is ranked lower than
67% of the 1167 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 16.57 vs. FICO: 27.02 )
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: 28.3
Current: 27.02
6.7
28.3
EV-to-EBITDA 21.94
FICO's EV-to-EBITDA is ranked lower than
70% of the 1258 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 12.80 vs. FICO: 21.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
FICO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 10.75 Max: 23
Current: 21.94
5
23
PEG 3.57
FICO's PEG is ranked lower than
70% of the 520 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.87 vs. FICO: 3.57 )
Ranked among companies with meaningful PEG only.
FICO' s PEG Range Over the Past 10 Years
Min: 1.04  Med: 2.00 Max: 94.35
Current: 3.57
1.04
94.35
Shiller P/E 49.73
FICO's Shiller P/E is ranked lower than
64% of the 278 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 49.73 )
Ranked among companies with meaningful Shiller P/E only.
FICO' s Shiller P/E Range Over the Past 10 Years
Min: 7.36  Med: 24.38 Max: 50.6
Current: 49.73
7.36
50.6
Current Ratio 1.18
FICO's Current Ratio is ranked lower than
77% of the 1669 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.94 vs. FICO: 1.18 )
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: 1.18
0.62
6.79
Quick Ratio 1.18
FICO's Quick Ratio is ranked lower than
74% of the 1669 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.84 vs. FICO: 1.18 )
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: 1.18
0.62
6.79
Days Sales Outstanding 59.77
FICO's Days Sales Outstanding is ranked higher than
62% of the 1459 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 70.10 vs. FICO: 59.77 )
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: 59.77
45.44
78.75
Days Payable 29.58
FICO's Days Payable is ranked lower than
66% of the 1329 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 45.55 vs. FICO: 29.58 )
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: 29.58
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 1095 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.72 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: 0.21 Max: 0.79
Current: 0.07
0.07
0.79
Dividend Payout 0.03
FICO's Dividend Payout is ranked higher than
100% of the 722 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 1026 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.99 vs. FICO: 0.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.08
FICO's Yield on cost (5-Year) is ranked lower than
99% of the 1394 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.16 vs. FICO: 0.08 )
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: 0.21 Max: 0.79
Current: 0.08
0.07
0.79
3-Year Average Share Buyback Ratio 3.30
FICO's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1169 Companies
in the Global Software - Infrastructure industry.

( Industry Median: -2.00 vs. FICO: 3.30 )
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: -15.7  Med: 4.50 Max: 12.5
Current: 3.3
-15.7
12.5

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.65
FICO's Price/Projected FCF is ranked higher than
54% of the 761 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.76 vs. FICO: 1.65 )
Ranked among companies with meaningful Price/Projected FCF only.
FICO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 1.04 Max: 3
Current: 1.65
0.28
3
Price/Median PS Value 1.64
FICO's Price/Median PS Value is ranked lower than
76% of the 1470 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.11 vs. FICO: 1.64 )
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: 1.10 Max: 1.95
Current: 1.64
0.41
1.95
Price/Peter Lynch Fair Value 3.94
FICO's Price/Peter Lynch Fair Value is ranked lower than
84% of the 325 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.62 vs. FICO: 3.94 )
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: 1.47 Max: 5.12
Current: 3.94
0.6
5.12
Earnings Yield (Greenblatt) (%) 3.70
FICO's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1768 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.60 vs. FICO: 3.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FICO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.5  Med: 7.60 Max: 15
Current: 3.7
3.5
15
Forward Rate of Return (Yacktman) (%) 12.81
FICO's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 696 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 11.07 vs. FICO: 12.81 )
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: 16.70 Max: 27.3
Current: 12.81
6.1
27.3

More Statistics

Revenue(Mil) $849
EPS $ 2.82
Beta1.31
Short Percentage of Float5.63%
52-Week Range $77.57 - 109.25
Shares Outstanding(Mil)31.38

Business Description

Industry: Application Software » Software - Infrastructure
Compare:NAS:SSNC, NAS:ULTI, XTER:WDI, NYSE:BKFS, BOM:532466, TSE:4768 » details
Traded in other countries:FRI.Germany,
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.
» More Articles for FICO

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