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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.19
FICO's Cash to Debt is ranked lower than
57% of the 2066 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.76 vs. FICO: 0.19 )
FICO' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 0.19

Equity to Asset 0.38
FICO's Equity to Asset is ranked higher than
50% of the 2012 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.60 vs. FICO: 0.38 )
FICO' s 10-Year Equity to Asset Range
Min: 0.38   Max: 0.86
Current: 0.38

0.38
0.86
Interest Coverage 5.67
FICO's Interest Coverage is ranked lower than
55% of the 1349 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 806.20 vs. FICO: 5.67 )
FICO' s 10-Year Interest Coverage Range
Min: 3.93   Max: 9999.99
Current: 5.67

3.93
9999.99
F-Score: 7
Z-Score: 4.19
M-Score: -2.79
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 : 9/10

vs
industry
vs
history
Operating margin (%) 20.52
FICO's Operating margin (%) is ranked higher than
92% of the 2046 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.41 vs. FICO: 20.52 )
FICO' s 10-Year Operating margin (%) Range
Min: 12.01   Max: 27.68
Current: 20.52

12.01
27.68
Net-margin (%) 12.03
FICO's Net-margin (%) is ranked higher than
88% of the 2046 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.71 vs. FICO: 12.03 )
FICO' s 10-Year Net-margin (%) Range
Min: 4.56   Max: 17.03
Current: 12.03

4.56
17.03
ROE (%) 18.70
FICO's ROE (%) is ranked higher than
90% of the 1987 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.14 vs. FICO: 18.70 )
FICO' s 10-Year ROE (%) Range
Min: 2.87   Max: 24.11
Current: 18.7

2.87
24.11
ROA (%) 8.06
FICO's ROA (%) is ranked higher than
84% of the 2070 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.78 vs. FICO: 8.06 )
FICO' s 10-Year ROA (%) Range
Min: 2.34   Max: 16.52
Current: 8.06

2.34
16.52
ROC (Joel Greenblatt) (%) 264.40
FICO's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 2057 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 28.75 vs. FICO: 264.40 )
FICO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 41.65   Max: 425.15
Current: 264.4

41.65
425.15
Revenue Growth (%) 13.40
FICO's Revenue Growth (%) is ranked higher than
84% of the 1655 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.70 vs. FICO: 13.40 )
FICO' s 10-Year Revenue Growth (%) Range
Min: -2.2   Max: 26.9
Current: 13.4

-2.2
26.9
EBITDA Growth (%) 13.10
FICO's EBITDA Growth (%) is ranked higher than
78% of the 1368 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.30 vs. FICO: 13.10 )
FICO' s 10-Year EBITDA Growth (%) Range
Min: -4.1   Max: 31.1
Current: 13.1

-4.1
31.1
EPS Growth (%) 15.00
FICO's EPS Growth (%) is ranked higher than
78% of the 1263 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9.10 vs. FICO: 15.00 )
FICO' s 10-Year EPS Growth (%) Range
Min: -19.8   Max: 78.8
Current: 15

-19.8
78.8
» FICO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FICO Guru Trades in Q4 2013

Joel Greenblatt 3,410 sh (New)
Ken Fisher 100,285 sh (+0.78%)
Chuck Royce 2,397,257 sh (-4.97%)
John Rogers 1,896,425 sh (-8.01%)
Jim Simons 301,900 sh (-14.81%)
» More
Q1 2014

FICO Guru Trades in Q1 2014

Steven Cohen 10,830 sh (New)
Chuck Royce 2,397,257 sh (unchged)
Joel Greenblatt Sold Out
Ken Fisher 98,810 sh (-1.47%)
John Rogers 1,856,845 sh (-2.09%)
Jim Simons 186,700 sh (-38.16%)
» More
Q2 2014

FICO Guru Trades in Q2 2014

Ken Fisher 131,440 sh (+33.02%)
John Rogers 1,898,985 sh (+2.27%)
Chuck Royce 2,392,757 sh (-0.19%)
Jim Simons 75,100 sh (-59.78%)
» More
Q3 2014

FICO Guru Trades in Q3 2014

Joel Greenblatt 29,549 sh (New)
Paul Tudor Jones 4,587 sh (New)
Ken Fisher 133,065 sh (+1.24%)
Jim Simons Sold Out
Chuck Royce 2,305,457 sh (-3.65%)
John Rogers 1,750,666 sh (-7.81%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Rogers 2014-09-30 Reduce -7.81%0.12%$54.89 - $64.87 $ 71.9822%1750666
Joel Greenblatt 2014-09-30 New Buy0.02%$54.89 - $64.87 $ 71.9822%29549
Ken Fisher 2014-06-30 Add 33.02%$51.42 - $62.92 $ 71.9826%131440
Joel Greenblatt 2014-03-31 Sold Out 0.01%$51 - $62.97 $ 71.9830%0
John Rogers 2013-12-31 Reduce -8.01%0.14%$54.37 - $62.97 $ 71.9825%1896425
Joel Greenblatt 2013-12-31 New Buy0.01%$54.37 - $62.97 $ 71.9825%3410
Joel Greenblatt 2013-09-30 Sold Out 0.02%$46.82 - $55.29 $ 71.9840%0
Ken Fisher 2013-09-30 Reduce -28.16%$46.82 - $55.29 $ 71.9840%99510
Joel Greenblatt 2013-06-30 Reduce -55.32%0.02%$41.62 - $50.76 $ 71.9855%7884
John Rogers 2013-03-31 Add 11.54%0.16%$42.03 - $46.03 $ 71.9861%1969524
Ken Fisher 2013-03-31 Add 114.53%0.01%$42.03 - $46.03 $ 71.9861%141835
Ken Fisher 2012-09-30 Reduce -25.5%$39.19 - $45.95 $ 71.9864%66085
Ken Fisher 2012-06-30 Add 21.84%$38.38 - $44.05 $ 71.9874%88700
Joel Greenblatt 2012-03-31 Add 44.46%0.03%$35.49 - $44.04 $ 71.9893%22430
Ken Fisher 2012-03-31 Add 86.79%$35.49 - $44.04 $ 71.9893%72800
John Rogers 2011-12-31 Reduce -22.58%0.46%$20.26 - $37.92 $ 71.98129%2701645
Ray Dalio 2011-12-31 Sold Out 0.07%$20.26 - $37.92 $ 71.98129%0
Joel Greenblatt 2011-12-31 Reduce -50.41%0.06%$20.26 - $37.92 $ 71.98129%15527
Mason Hawkins 2011-12-31 Sold Out 0.05%$20.26 - $37.92 $ 71.98129%0
Mason Hawkins 2011-09-30 Reduce -86.73%0.39%$21.19 - $30.89 $ 71.98171%505527
Joel Greenblatt 2011-09-30 New Buy0.11%$21.19 - $30.89 $ 71.98171%31313
Ray Dalio 2011-09-30 Add 2889.83%0.06%$21.19 - $30.89 $ 71.98172%198973
Ken Fisher 2011-09-30 Reduce -69.36%0.01%$21.19 - $30.89 $ 71.98171%43300
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 26.20
FICO's P/E(ttm) is ranked higher than
79% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 54.30 vs. FICO: 26.20 )
FICO' s 10-Year P/E(ttm) Range
Min: 6.16   Max: 27.83
Current: 26.2

6.16
27.83
P/B 5.09
FICO's P/B is ranked higher than
60% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.32 vs. FICO: 5.09 )
FICO' s 10-Year P/B Range
Min: 0.87   Max: 5.09
Current: 5.09

0.87
5.09
P/S 3.18
FICO's P/S is ranked higher than
64% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.66 vs. FICO: 3.18 )
FICO' s 10-Year P/S Range
Min: 0.72   Max: 4.82
Current: 3.18

0.72
4.82
PFCF 15.28
FICO's PFCF is ranked higher than
91% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 15.28 )
FICO' s 10-Year PFCF Range
Min: 3.11   Max: 21.24
Current: 15.28

3.11
21.24
EV-to-EBIT 17.00
FICO's EV-to-EBIT is ranked higher than
80% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 35.28 vs. FICO: 17.00 )
FICO' s 10-Year EV-to-EBIT Range
Min: 7.3   Max: 18.5
Current: 17

7.3
18.5
PEG 1.73
FICO's PEG is ranked higher than
90% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 1.73 )
FICO' s 10-Year PEG Range
Min: 0.74   Max: 174.78
Current: 1.73

0.74
174.78
Shiller P/E 33.37
FICO's Shiller P/E is ranked higher than
86% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 33.37 )
FICO' s 10-Year Shiller P/E Range
Min: 5.83   Max: 50.24
Current: 33.37

5.83
50.24
Current Ratio 0.85
FICO's Current Ratio is ranked lower than
55% of the 2045 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.91 vs. FICO: 0.85 )
FICO' s 10-Year Current Ratio Range
Min: 0.77   Max: 6.79
Current: 0.85

0.77
6.79
Quick Ratio 0.85
FICO's Quick Ratio is ranked lower than
54% of the 2045 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.78 vs. FICO: 0.85 )
FICO' s 10-Year Quick Ratio Range
Min: 0.77   Max: 6.79
Current: 0.85

0.77
6.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.11
FICO's Dividend Yield is ranked lower than
95% of the 1034 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.62 vs. FICO: 0.11 )
FICO' s 10-Year Dividend Yield Range
Min: 0.11   Max: 0.79
Current: 0.11

0.11
0.79
Dividend Payout 0.03
FICO's Dividend Payout is ranked higher than
100% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 0.03 )
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) 0.10
FICO's Yield on cost (5-Year) is ranked lower than
95% of the 1065 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.76 vs. FICO: 0.10 )
FICO' s 10-Year Yield on cost (5-Year) Range
Min: 0.11   Max: 0.79
Current: 0.1

0.11
0.79
Share Buyback Rate 4.50
FICO's Share Buyback Rate is ranked higher than
95% of the 1380 Companies
in the Global Software - Infrastructure industry.

( Industry Median: -1.20 vs. FICO: 4.50 )
FICO' s 10-Year Share Buyback Rate Range
Min: 12.5   Max: -15.7
Current: 4.5

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 1.10
FICO's Price/DCF (Projected) is ranked higher than
90% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 13.50 vs. FICO: 1.10 )
FICO' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 2.19
Current: 1.1

0.41
2.19
Price/Median PS Value 1.28
FICO's Price/Median PS Value is ranked higher than
67% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.21 vs. FICO: 1.28 )
FICO' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.96
Current: 1.28

0.57
1.96
Price/Peter Lynch Fair Value 1.83
FICO's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2253 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. FICO: 1.83 )
FICO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.59   Max: 3.17
Current: 1.83

0.59
3.17
Earnings Yield (Greenblatt) 5.90
FICO's Earnings Yield (Greenblatt) is ranked higher than
78% of the 2019 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.70 vs. FICO: 5.90 )
FICO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.4   Max: 13.7
Current: 5.9

5.4
13.7
Forward Rate of Return (Yacktman) 17.61
FICO's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1492 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.93 vs. FICO: 17.61 )
FICO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.6   Max: 27.1
Current: 17.61

6.6
27.1

Business Description

Industry: Application Software » Software - Infrastructure
Compare:ADP, G, ENV, CMPGY, SGSOY » 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 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.
» More Articles for FICO

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