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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.13
FICO's Cash to Debt is ranked lower than
94% of the 1757 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 20.60 vs. FICO: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
FICO' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.78 Max: No Debt
Current: 0.13
Equity to Asset 0.33
FICO's Equity to Asset is ranked lower than
84% of the 1551 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.61 vs. FICO: 0.33 )
Ranked among companies with meaningful Equity to Asset only.
FICO' s 10-Year Equity to Asset Range
Min: 0.31  Med: 0.59 Max: 0.87
Current: 0.33
0.31
0.87
Interest Coverage 5.67
FICO's Interest Coverage is ranked lower than
89% of the 1145 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 10000.00 vs. FICO: 5.67 )
Ranked among companies with meaningful Interest Coverage only.
FICO' s 10-Year Interest Coverage Range
Min: 3.93  Med: 14.03 Max: 9999.99
Current: 5.67
3.93
9999.99
F-Score: 7
Z-Score: 4.68
M-Score: -2.81
WACC vs ROIC
2.53%
11.98%
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 (%) 17.86
FICO's Operating margin (%) is ranked higher than
83% of the 1723 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.03 vs. FICO: 17.86 )
Ranked among companies with meaningful Operating margin (%) only.
FICO' s 10-Year Operating margin (%) Range
Min: 12.01  Med: 18.83 Max: 27.68
Current: 17.86
12.01
27.68
Net-margin (%) 10.85
FICO's Net-margin (%) is ranked higher than
76% of the 1723 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.15 vs. FICO: 10.85 )
Ranked among companies with meaningful Net-margin (%) only.
FICO' s 10-Year Net-margin (%) Range
Min: 4.56  Med: 11.41 Max: 17.03
Current: 10.85
4.56
17.03
ROE (%) 21.23
FICO's ROE (%) is ranked higher than
84% of the 1680 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.91 vs. FICO: 21.23 )
Ranked among companies with meaningful ROE (%) only.
FICO' s 10-Year ROE (%) Range
Min: 2.87  Med: 15.63 Max: 25.63
Current: 21.23
2.87
25.63
ROA (%) 7.48
FICO's ROA (%) is ranked higher than
71% of the 1765 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.05 vs. FICO: 7.48 )
Ranked among companies with meaningful ROA (%) only.
FICO' s 10-Year ROA (%) Range
Min: 2.33  Med: 8.04 Max: 16.87
Current: 7.48
2.33
16.87
ROC (Joel Greenblatt) (%) 209.74
FICO's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1740 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 23.13 vs. FICO: 209.74 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FICO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 48.54  Med: 156.13 Max: 424.18
Current: 209.74
48.54
424.18
Revenue Growth (3Y)(%) 13.40
FICO's Revenue Growth (3Y)(%) is ranked higher than
74% of the 1300 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.20 vs. FICO: 13.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FICO' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.2  Med: 13.20 Max: 25.9
Current: 13.4
-2.2
25.9
EBITDA Growth (3Y)(%) 13.10
FICO's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1046 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.90 vs. FICO: 13.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FICO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -4.1  Med: 13.10 Max: 32.1
Current: 13.1
-4.1
32.1
EPS Growth (3Y)(%) 15.00
FICO's EPS Growth (3Y)(%) is ranked higher than
64% of the 969 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.80 vs. FICO: 15.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FICO' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.8  Med: 13.20 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

Q3 2014

FICO Guru Trades in Q3 2014

Paul Tudor Jones 4,587 sh (New)
Joel Greenblatt 29,549 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
Q4 2014

FICO Guru Trades in Q4 2014

Jim Simons 70,550 sh (New)
Ray Dalio 2,982 sh (New)
Joel Greenblatt 173,373 sh (+486.73%)
Paul Tudor Jones 6,166 sh (+34.42%)
Ken Fisher 143,615 sh (+7.93%)
John Rogers 1,443,821 sh (unchged)
John Rogers 1,443,821 sh (-17.53%)
Chuck Royce 1,771,257 sh (-23.17%)
Chuck Royce 1,771,257 sh (-23.17%)
» More
Q1 2015

FICO Guru Trades in Q1 2015

Ray Dalio 4,182 sh (+40.24%)
Ken Fisher 158,011 sh (+10.02%)
Joel Greenblatt Sold Out
Jim Simons Sold Out
Chuck Royce 1,664,357 sh (-6.04%)
John Rogers 1,005,658 sh (-30.35%)
Paul Tudor Jones 3,300 sh (-46.48%)
» More
Q2 2015

FICO Guru Trades in Q2 2015

Ken Fisher 155,611 sh (-1.52%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 42.90
FICO's P/E(ttm) is ranked lower than
67% of the 1089 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 26.80 vs. FICO: 42.90 )
Ranked among companies with meaningful P/E(ttm) only.
FICO' s 10-Year P/E(ttm) Range
Min: 6.16  Med: 19.93 Max: 44.95
Current: 42.9
6.16
44.95
Forward P/E 20.24
FICO's Forward P/E is ranked lower than
51% of the 527 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 20.04 vs. FICO: 20.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 43.00
FICO's PE(NRI) is ranked lower than
68% of the 1084 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 26.80 vs. FICO: 43.00 )
Ranked among companies with meaningful PE(NRI) only.
FICO' s 10-Year PE(NRI) Range
Min: 6.77  Med: 19.82 Max: 45.01
Current: 43
6.77
45.01
P/B 7.17
FICO's P/B is ranked lower than
81% of the 1607 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.69 vs. FICO: 7.17 )
Ranked among companies with meaningful P/B only.
FICO' s 10-Year P/B Range
Min: 0.87  Med: 2.84 Max: 7.72
Current: 7.17
0.87
7.72
P/S 3.56
FICO's P/S is ranked lower than
64% of the 1706 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.17 vs. FICO: 3.56 )
Ranked among companies with meaningful P/S only.
FICO' s 10-Year P/S Range
Min: 0.72  Med: 2.46 Max: 4.4
Current: 3.56
0.72
4.4
PFCF 22.01
FICO's PFCF is ranked higher than
58% of the 816 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.94 vs. FICO: 22.01 )
Ranked among companies with meaningful PFCF only.
FICO' s 10-Year PFCF Range
Min: 3.11  Med: 14.07 Max: 25.09
Current: 22.01
3.11
25.09
POCF 18.70
FICO's POCF is ranked lower than
51% of the 1017 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 18.42 vs. FICO: 18.70 )
Ranked among companies with meaningful POCF only.
FICO' s 10-Year POCF Range
Min: 2.8  Med: 12.03 Max: 21.83
Current: 18.7
2.8
21.83
EV-to-EBIT 22.90
FICO's EV-to-EBIT is ranked lower than
60% of the 1145 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 17.57 vs. FICO: 22.90 )
Ranked among companies with meaningful EV-to-EBIT only.
FICO' s 10-Year EV-to-EBIT Range
Min: 7.3  Med: 13.55 Max: 24.6
Current: 22.9
7.3
24.6
PEG 3.19
FICO's PEG is ranked lower than
65% of the 478 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.97 vs. FICO: 3.19 )
Ranked among companies with meaningful PEG only.
FICO' s 10-Year PEG Range
Min: 0.88  Med: 1.74 Max: 174.78
Current: 3.19
0.88
174.78
Shiller P/E 40.94
FICO's Shiller P/E is ranked lower than
62% of the 685 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 31.09 vs. FICO: 40.94 )
Ranked among companies with meaningful Shiller P/E only.
FICO' s 10-Year Shiller P/E Range
Min: 5.83  Med: 24.20 Max: 42.27
Current: 40.94
5.83
42.27
Current Ratio 1.23
FICO's Current Ratio is ranked lower than
78% of the 1595 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.05 vs. FICO: 1.23 )
Ranked among companies with meaningful Current Ratio only.
FICO' s 10-Year Current Ratio Range
Min: 0.62  Med: 2.64 Max: 6.79
Current: 1.23
0.62
6.79
Quick Ratio 1.23
FICO's Quick Ratio is ranked lower than
73% of the 1595 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.93 vs. FICO: 1.23 )
Ranked among companies with meaningful Quick Ratio only.
FICO' s 10-Year Quick Ratio Range
Min: 0.62  Med: 2.64 Max: 6.79
Current: 1.23
0.62
6.79
Days Sales Outstanding 64.97
FICO's Days Sales Outstanding is ranked higher than
54% of the 1486 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 68.91 vs. FICO: 64.97 )
Ranked among companies with meaningful Days Sales Outstanding only.
FICO' s 10-Year Days Sales Outstanding Range
Min: 45.44  Med: 72.13 Max: 117.89
Current: 64.97
45.44
117.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.09
FICO's Dividend Yield is ranked lower than
99% of the 1239 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.66 vs. FICO: 0.09 )
Ranked among companies with meaningful Dividend Yield only.
FICO' s 10-Year Dividend Yield Range
Min: 0.06  Med: 0.22 Max: 0.79
Current: 0.09
0.06
0.79
Dividend Payout 0.03
FICO's Dividend Payout is ranked higher than
99% of the 749 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.38 vs. FICO: 0.03 )
Ranked among companies with meaningful Dividend Payout only.
FICO' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.05 Max: 0.13
Current: 0.03
0.02
0.13
Yield on cost (5-Year) 0.09
FICO's Yield on cost (5-Year) is ranked lower than
98% of the 1269 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.86 vs. FICO: 0.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FICO' s 10-Year Yield on cost (5-Year) Range
Min: 0.08  Med: 0.22 Max: 0.79
Current: 0.09
0.08
0.79
Share Buyback Rate 4.50
FICO's Share Buyback Rate is ranked higher than
96% of the 1145 Companies
in the Global Software - Infrastructure industry.

( Industry Median: -2.20 vs. FICO: 4.50 )
Ranked among companies with meaningful Share Buyback Rate only.
FICO' s 10-Year Share Buyback Rate Range
Min: 12.5  Med: 4.50 Max: -15.7
Current: 4.5

Valuation & Return

vs
industry
vs
history
Price/DCF (Earnings Based) 2.99
FICO's Price/DCF (Earnings Based) is ranked lower than
69% of the 94 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.43 vs. FICO: 2.99 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Earnings Yield (Greenblatt) (%) 4.40
FICO's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1696 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.80 vs. FICO: 4.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FICO' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.1  Med: 7.40 Max: 13.7
Current: 4.4
4.1
13.7
Forward Rate of Return (Yacktman) (%) 15.69
FICO's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 667 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 10.78 vs. FICO: 15.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FICO' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.2  Med: 18.05 Max: 28.2
Current: 15.69
6.2
28.2

Analyst Estimate

Sep15
EPS($) 4.18
EPS without NRI($) 4.18

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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