Switch to:

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 0.20
FICO's Cash to Debt is ranked lower than
56% of the 959 Companies
in the Global Business Services industry.

( Industry Median: 1.72 vs. FICO: 0.20 )
FICO' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 0.2

Equity to Asset 0.46
FICO's Equity to Asset is ranked higher than
59% of the 937 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. FICO: 0.46 )
FICO' s 10-Year Equity to Asset Range
Min: 0.38   Max: 0.87
Current: 0.46

0.38
0.87
Interest Coverage 5.34
FICO's Interest Coverage is ranked lower than
56% of the 675 Companies
in the Global Business Services industry.

( Industry Median: 21.89 vs. FICO: 5.34 )
FICO' s 10-Year Interest Coverage Range
Min: 3.93   Max: 9999.99
Current: 5.34

3.93
9999.99
F-Score: 7
Z-Score: 4.17
M-Score: -2.67
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 (%) 21.74
FICO's Operating margin (%) is ranked higher than
91% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 7.12 vs. FICO: 21.74 )
FICO' s 10-Year Operating margin (%) Range
Min: 12.01   Max: 27.68
Current: 21.74

12.01
27.68
Net-margin (%) 12.12
FICO's Net-margin (%) is ranked higher than
85% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 4.59 vs. FICO: 12.12 )
FICO' s 10-Year Net-margin (%) Range
Min: 4.56   Max: 17.03
Current: 12.12

4.56
17.03
ROE (%) 16.98
FICO's ROE (%) is ranked higher than
84% of the 919 Companies
in the Global Business Services industry.

( Industry Median: 10.28 vs. FICO: 16.98 )
FICO' s 10-Year ROE (%) Range
Min: 1.84   Max: 22.82
Current: 16.98

1.84
22.82
ROA (%) 7.76
FICO's ROA (%) is ranked higher than
82% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 4.48 vs. FICO: 7.76 )
FICO' s 10-Year ROA (%) Range
Min: 1.47   Max: 14.75
Current: 7.76

1.47
14.75
ROC (Joel Greenblatt) (%) 236.64
FICO's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 33.29 vs. FICO: 236.64 )
FICO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 39.51   Max: 385.67
Current: 236.64

39.51
385.67
Revenue Growth (%) 15.30
FICO's Revenue Growth (%) is ranked higher than
87% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 6.20 vs. FICO: 15.30 )
FICO' s 10-Year Revenue Growth (%) Range
Min: -2.2   Max: 25.9
Current: 15.3

-2.2
25.9
EBITDA Growth (%) 18.40
FICO's EBITDA Growth (%) is ranked higher than
85% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 8.30 vs. FICO: 18.40 )
FICO' s 10-Year EBITDA Growth (%) Range
Min: -4.1   Max: 32.1
Current: 18.4

-4.1
32.1
EPS Growth (%) 20.40
FICO's EPS Growth (%) is ranked higher than
83% of the 579 Companies
in the Global Business Services industry.

( Industry Median: 7.80 vs. FICO: 20.40 )
FICO' s 10-Year EPS Growth (%) Range
Min: -19.8   Max: 78.8
Current: 20.4

-19.8
78.8
» FICO's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2013

FICO Guru Trades in Q2 2013

Steven Cohen 51,541 sh (+604.02%)
John Rogers 2,054,724 sh (+4.33%)
Jim Simons 321,600 sh (+2.34%)
Chuck Royce 2,527,157 sh (unchged)
Ken Fisher 138,510 sh (-2.34%)
Joel Greenblatt 7,884 sh (-55.32%)
» More
Q3 2013

FICO Guru Trades in Q3 2013

Jim Simons 354,400 sh (+10.2%)
John Rogers 2,061,534 sh (+0.33%)
Joel Greenblatt Sold Out
Steven Cohen Sold Out
Chuck Royce 2,522,557 sh (-0.18%)
Ken Fisher 99,510 sh (-28.16%)
» More
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
» Details

Insider Trades

Latest Guru Trades with FICO

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 New Buy0.01%$54.37 - $62.97 $ 51.56-11%3410
Joel Greenblatt 2013-09-30 Sold Out 0.02%$46.82 - $55.29 $ 51.560%0
Joel Greenblatt 2013-06-30 Reduce -55.32%0.02%$41.62 - $50.76 $ 51.5611%7884
Joel Greenblatt 2012-03-31 Add 44.46%0.03%$35.49 - $44.04 $ 51.5638%22430
Ray Dalio 2011-12-31 Sold Out 0.07%$20.26 - $37.92 $ 51.5664%0
Joel Greenblatt 2011-12-31 Reduce -50.41%0.06%$20.26 - $37.92 $ 51.5664%15527
Mason Hawkins 2011-12-31 Sold Out 0.05%$20.26 - $37.92 $ 51.5664%0
Mason Hawkins 2011-09-30 Reduce -86.73%0.39%$21.19 - $30.89 $ 51.5694%505527
Joel Greenblatt 2011-09-30 New Buy0.11%$21.19 - $30.89 $ 51.5694%31313
Ray Dalio 2011-09-30 Add 2889.83%0.06%$21.19 - $30.89 $ 51.5695%198973
Mason Hawkins 2011-06-30 Reduce -48.78%0.45%$28.17 - $31.41 $ 51.5676%3809975
Mario Gabelli 2011-03-31 Sold Out $22.52 - $31.29 $ 51.5695%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.80
FICO's P/E(ttm) is ranked higher than
59% of the 766 Companies
in the Global Business Services industry.

( Industry Median: 20.70 vs. FICO: 22.80 )
FICO' s 10-Year P/E(ttm) Range
Min: 6.16   Max: 62.51
Current: 22.8

6.16
62.51
P/B 3.50
FICO's P/B is ranked lower than
51% of the 899 Companies
in the Global Business Services industry.

( Industry Median: 2.50 vs. FICO: 3.50 )
FICO' s 10-Year P/B Range
Min: 0.87   Max: 4.06
Current: 3.5

0.87
4.06
P/S 2.50
FICO's P/S is ranked lower than
65% of the 948 Companies
in the Global Business Services industry.

( Industry Median: 1.32 vs. FICO: 2.50 )
FICO' s 10-Year P/S Range
Min: 0.72   Max: 5.24
Current: 2.5

0.72
5.24
PFCF 16.10
FICO's PFCF is ranked higher than
64% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 17.63 vs. FICO: 16.10 )
FICO' s 10-Year PFCF Range
Min: 3.11   Max: 21.95
Current: 16.1

3.11
21.95
EV-to-EBIT 14.90
FICO's EV-to-EBIT is ranked higher than
62% of the 843 Companies
in the Global Business Services industry.

( Industry Median: 15.40 vs. FICO: 14.90 )
FICO' s 10-Year EV-to-EBIT Range
Min: 7.3   Max: 28.8
Current: 14.9

7.3
28.8
PEG 1.40
FICO's PEG is ranked higher than
70% of the 457 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. FICO: 1.40 )
FICO' s 10-Year PEG Range
Min: 0.72   Max: 174.78
Current: 1.4

0.72
174.78
Shiller P/E 26.50
FICO's Shiller P/E is ranked higher than
59% of the 469 Companies
in the Global Business Services industry.

( Industry Median: 24.20 vs. FICO: 26.50 )
FICO' s 10-Year Shiller P/E Range
Min: 5.83   Max: 55.22
Current: 26.5

5.83
55.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.20
FICO's Dividend Yield is ranked lower than
97% of the 638 Companies
in the Global Business Services industry.

( Industry Median: 2.19 vs. FICO: 0.20 )
FICO' s 10-Year Dividend Yield Range
Min: 0.12   Max: 0.79
Current: 0.2

0.12
0.79
Dividend Payout 0.03
FICO's Dividend Payout is ranked higher than
100% of the 552 Companies
in the Global Business Services industry.

( Industry Median: 0.40 vs. FICO: 0.03 )
FICO' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.15
Current: 0.03

0.03
0.15
Yield on cost (5-Year) 0.20
FICO's Yield on cost (5-Year) is ranked lower than
97% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 2.64 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 7.10
FICO's Share Buyback Rate is ranked higher than
98% of the 673 Companies
in the Global Business Services industry.

( Industry Median: -0.70 vs. FICO: 7.10 )
FICO' s 10-Year Share Buyback Rate Range
Min: 12.5   Max: -15.7
Current: 7.1

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 0.90
FICO's Price/DCF (Projected) is ranked higher than
81% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. FICO: 0.90 )
FICO' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 3
Current: 0.9

0.28
3
Price/Median PS Value 1.00
FICO's Price/Median PS Value is ranked higher than
72% of the 897 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. FICO: 1.00 )
FICO' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 1.96
Current: 1

0.41
1.96
Price/Peter Lynch Fair Value 1.60
FICO's Price/Peter Lynch Fair Value is ranked higher than
52% of the 230 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. FICO: 1.60 )
FICO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.59   Max: 5.15
Current: 1.6

0.59
5.15
Earnings Yield (Greenblatt) 6.70
FICO's Earnings Yield (Greenblatt) is ranked higher than
64% of the 848 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. FICO: 6.70 )
FICO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 13.7
Current: 6.7

3.5
13.7
Forward Rate of Return (Yacktman) 18.64
FICO's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. FICO: 18.64 )
FICO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.5   Max: 27.4
Current: 18.64

6.5
27.4

Business Description

Industry: Business Services » Business Services
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.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide