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49.12 (1y: +20%)
Market Cap 1.77 B P/E(ttm) 21.10
Enterprise Value 2.14 B P/B 3.70
FICO- NYSE (USA)
Fair Isaac Corp
  • Currently 3/5
Business Predictability Rank: 3-Star
Back Testing Results:
Average gain of all 3-Star stocks: 8.2% per year.
% of Stocks that are in still loss if held for 10yrs: 11%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$49.12
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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 0.186
FICO's Cash to Debt is ranked lower than
84% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 3.54 vs. FICO: 0.186 )
FICO' s 10-Year Cash to Debt Range
Min: 0.19   Max: No Debt
Current: 0.19
Equity to Asset -0.289
FICO's Equity to Asset is ranked lower than
93% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 0.37 vs. FICO: -0.289 )
FICO' s 10-Year Equity to Asset Range
Min: -0.29   Max: 0.84
Current: -0.29
-0.29
0.84
Interest Coverage 5.4
FICO's Interest Coverage is ranked lower than
65% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 13.80 vs. FICO: 5.4 )
FICO' s 10-Year Interest Coverage Range
Min: 4   Max: No Debt
Current: 5.4
F-Score: 6
Z-Score: 3.89
M-Score: -2.31
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 (%) 24.90
FICO's Operating margin (%) is ranked higher than
89% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 6.80 vs. FICO: 24.90 )
FICO' s 10-Year Operating margin (%) Range
Min: 12   Max: 27.7
Current: 24.9
12
27.7
Net-margin (%) 13.6
FICO's Net-margin (%) is ranked higher than
82% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 4.10 vs. FICO: 13.6 )
FICO' s 10-Year Net-margin (%) Range
Min: 4.6   Max: 17
Current: 13.6
4.6
17
ROE (%) 19.4
FICO's ROE (%) is ranked higher than
83% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 7.20 vs. FICO: 19.4 )
FICO' s 10-Year ROE (%) Range
Min: 1.8   Max: 19.4
Current: 19.4
1.8
19.4
ROA (%) 7.9
FICO's ROA (%) is ranked higher than
75% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 3.80 vs. FICO: 7.9 )
FICO' s 10-Year ROA (%) Range
Min: 1.5   Max: 14.5
Current: 7.9
1.5
14.5
ROC (Joel Greenblatt) (%) 364.50
FICO's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 10.50 vs. FICO: 364.50 )
FICO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 39   Max: 730.9
Current: 364.5
39
730.9
Revenue Growth (%) 9.8
FICO's Revenue Growth (%) is ranked higher than
84% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. FICO: 9.8 )
FICO' s 10-Year Revenue Growth (%) Range
Min: -1.6   Max: 11.7
Current: 9.8
-1.6
11.7
EBITDA Growth (%) 13.5
FICO's EBITDA Growth (%) is ranked higher than
87% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. FICO: 13.5 )
FICO' s 10-Year EBITDA Growth (%) Range
Min: -1.9   Max: 24
Current: 13.5
-1.9
24
EPS Growth (%) 17.7
FICO's EPS Growth (%) is ranked higher than
89% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. FICO: 17.7 )
FICO' s 10-Year EPS Growth (%) Range
Min: -15.2   Max: 55.3
Current: 17.7
-15.2
55.3
» FICO's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

FICO Guru Trades in Q2 2012

Jim Simons 240,350 sh (+73.54%)
Ken Fisher 88,700 sh (+21.84%)
Chuck Royce 2,520,357 sh (unchged)
Joel Greenblatt 20,177 sh (-10.04%)
John Rogers 2,050,590 sh (-19.14%)
Steven Cohen 9,705 sh (-35.2%)
» More
Q3 2012

FICO Guru Trades in Q3 2012

Steven Cohen 15,432 sh (+59.01%)
Jim Simons 276,000 sh (+14.83%)
Chuck Royce 2,520,357 sh (unchged)
Joel Greenblatt 19,560 sh (-3.06%)
John Rogers 1,762,549 sh (-14.05%)
Ken Fisher 66,085 sh (-25.5%)
» More
Q4 2012

FICO Guru Trades in Q4 2012

Jim Simons 419,650 sh (+52.05%)
John Rogers 1,765,709 sh (+0.18%)
Ken Fisher 66,113 sh (+0.04%)
Chuck Royce 2,520,357 sh (unchged)
Joel Greenblatt 18,225 sh (-6.83%)
Steven Cohen 13,013 sh (-15.68%)
» More
Q1 2013

FICO Guru Trades in Q1 2013

Ken Fisher 141,835 sh (+114.53%)
John Rogers 1,969,524 sh (+11.54%)
Chuck Royce 2,527,157 sh (+0.27%)
Joel Greenblatt 17,645 sh (-3.18%)
Jim Simons 314,250 sh (-25.12%)
Steven Cohen 7,321 sh (-43.74%)
» More
» Details

Insider Trades

Latest Guru Trades with FICO

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2012-03-31 Add 44.46%0.03%$35.49 - $44.04 $ 49.1232%22430
Ray Dalio 2011-12-31 Sold Out 0.07%$20.26 - $37.92 $ 49.1256%0
Joel Greenblatt 2011-12-31 Reduce -50.41%0.06%$20.26 - $37.92 $ 49.1256%15527
Mason Hawkins 2011-12-31 Sold Out 0.05%$20.26 - $37.92 $ 49.1256%0
Mason Hawkins 2011-09-30 Reduce -86.73%0.39%$21.19 - $30.89 $ 49.1285%505527
Joel Greenblatt 2011-09-30 New Buy0.11%$21.19 - $30.89 $ 49.1285%31313
Ray Dalio 2011-09-30 Add 2889.83%0.06%$21.19 - $30.89 $ 49.1285%198973
Mason Hawkins 2011-06-30 Reduce -48.78%0.45%$28.17 - $31.41 $ 49.1268%3809975
Mario Gabelli 2011-03-31 Sold Out $22.52 - $31.29 $ 49.1286%0
Mario Gabelli 2010-09-30 New Buy$21.97 - $25.27 $ 49.12107%28047
Mario Gabelli 2010-06-30 Sold Out $20.97 - $26.02 $ 49.12110%0
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 21.10
FICO's P/E(ttm) is ranked higher than
51% of the 495 Companies
in the Global Business Services industry.

( Industry Median: 18.60 vs. FICO: 21.10 )
FICO' s 10-Year P/E(ttm) Range
Min: 6.15   Max: 112.43
Current: 21.1
6.15
112.43
P/B 3.70
FICO's P/B is ranked higher than
59% of the 591 Companies
in the Global Business Services industry.

( Industry Median: 1.90 vs. FICO: 3.70 )
FICO' s 10-Year P/B Range
Min: 0.87   Max: 6.32
Current: 3.7
0.87
6.32
P/S 2.46
FICO's P/S is ranked higher than
61% of the 622 Companies
in the Global Business Services industry.

( Industry Median: 1.07 vs. FICO: 2.46 )
FICO' s 10-Year P/S Range
Min: 0.72   Max: 5.2
Current: 2.46
0.72
5.2
PFCF 20.70
FICO's PFCF is ranked lower than
54% of the 457 Companies
in the Global Business Services industry.

( Industry Median: 16.20 vs. FICO: 20.70 )
FICO' s 10-Year PFCF Range
Min: 3.11   Max: 52.78
Current: 20.7
3.11
52.78
EV-to-EBIT 13.7
FICO's EV-to-EBIT is ranked higher than
54% of the 527 Companies
in the Global Business Services industry.

( Industry Median: 13.81 vs. FICO: 13.7 )
FICO' s 10-Year EV-to-EBIT Range
Min: 7.3   Max: 42.5
Current: 13.7
7.3
42.5
PEG 1.8
FICO's PEG is ranked lower than
121% of the 202 Companies
in the Global Business Services industry.

( Industry Median: 1.90 vs. FICO: 1.8 )
FICO' s 10-Year PEG Range
Min: 0.76   Max: 109.33
Current: 1.8
0.76
109.33
Shiller P/E 25.6
FICO's Shiller P/E is ranked lower than
100% of the Companies
in the Global Business Services industry.

( Industry Median: vs. FICO: 25.6 )
FICO' s 10-Year Shiller P/E Range
Min: 5.8   Max: 45.01
Current: 25.6
5.8
45.01

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.16
FICO's Dividend Yield is ranked lower than
60% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 1.01 vs. FICO: 0.16 )
FICO' s 10-Year Dividend Yield Range
Min: 0.12   Max: 0.79
Current: 0.16
0.12
0.79
Dividend Payout 0.0342
FICO's Dividend Payout is ranked lower than
79% of the 310 Companies
in the Global Business Services industry.

( Industry Median: 0.40 vs. FICO: 0.0342 )
FICO' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.14
Current: 0.03
0.03
0.14
Yield on cost (5-Year) 0.20
FICO's Yield on cost (5-Year) is ranked lower than
61% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 1.00 vs. FICO: 0.20 )
FICO' s 10-Year Yield on cost (5-Year) Range
Min: 0.12   Max: 0.79
Current: 0.2
0.12
0.79
Share Buyback Rate 7.3
FICO's Share Buyback Rate is ranked higher than
99% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. FICO: 7.3 )
FICO' s 10-Year Share Buyback Rate Range
Min: 9.5   Max: -11.4
Current: 7.3

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 19.3
FICO's Price/Net Current Asset Value is ranked lower than
60% of the 405 Companies
in the Global Business Services industry.

( Industry Median: 11.50 vs. FICO: 19.3 )
FICO' s 10-Year Price/Net Current Asset Value Range
Min: 11.9   Max: 29.3
Current: 19.3
11.9
29.3
Price/DCF (Projected) 1
FICO's Price/DCF (Projected) is ranked lower than
96% of the 254 Companies
in the Global Business Services industry.

( Industry Median: 1.20 vs. FICO: 1 )
FICO' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 2.1
Current: 1
0.4
2.1
Price/Median PS Value 0.9
FICO's Price/Median PS Value is ranked higher than
59% of the 595 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. FICO: 0.9 )
FICO' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.8
Current: 0.9
0.5
1.8
Price/Peter Lynch Fair Value 1.6
FICO's Price/Peter Lynch Fair Value is ranked lower than
223% of the 110 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. FICO: 1.6 )
FICO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1   Max: 1.8
Current: 1.6
1
1.8
Earnings Yield (Greenblatt) 7.30
FICO's Earnings Yield (Greenblatt) is ranked higher than
58% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 6.20 vs. FICO: 7.30 )
FICO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 13.7
Current: 7.3
2.4
13.7
Forward Rate of Return (Yacktman) 17.59
FICO's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. FICO: 17.59 )
FICO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.1   Max: 25.8
Current: 17.59
8.1
25.8

Business Description

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 major 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. The Company encounters competition from a number of sources, including: in-house analytic and systems developers; scoring model builders; enterprise resource planning (ERP) and customer relationship management (CRM) 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.
Company Website
SEC Reports
Industry: Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY
Traded in other countries:FRI.Germany
» More Articles for FICO

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