NYSE:FICO (USA) Also trade in: Germany UK

Fair Isaac Corp

$ 291.85 0 (0%)
Volume: 147,866 Avg Vol (1m): 220,434
Market Cap $: 8.46 Bil Enterprise Value $: 9.21 Bil
P/E (TTM): 57.23 P/B: 35.68
Earnings Power Value 47.96
Net Current Asset Value -22.59
Tangible Book -18.66
Projected FCF 80.08
Median P/S Value 91.56
Graham Number 0
Peter Lynch Value 47.18
DCF (FCF Based) 108.18
DCF (Earnings Based) 88.55
YTD (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 0.09
Cash-To-Debt ranked lower than
94.40% of 2180 companies
in the Software - Infrastructure industry.
Industry Max: 52661, Med: 5.23, Min: 0.01
FICO: 0.09
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.09, Med: 0.93, Max: 10000
Current: 0.09
0.09
10000
Equity-to-Asset 0.19
Equity-to-Asset ranked lower than
89.93% of 2115 companies
in the Software - Infrastructure industry.
Industry Max: 1.55, Med: 0.6, Min: -56.05
FICO: 0.19
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.18, Med: 0.61, Max: 0.87
Current: 0.19
0.18
0.87
Debt-to-Equity 3.32
Debt-to-Equity ranked lower than
96.69% of 1267 companies
in the Software - Infrastructure industry.
Industry Max: 248.23, Med: 0.27, Min: 0.01
FICO: 3.32
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0, Med: 0.62, Max: 3.65
Current: 3.32
0
3.65
Debt-to-EBITDA 3.18
Debt-to-EBITDA ranked lower than
75.54% of 1112 companies
in the Software - Infrastructure industry.
Industry Max: 5506.28, Med: 1.26, Min: 0.01
FICO: 3.18
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 2.41, Med: 2.95, Max: 3.53
Current: 3.18
2.41
3.53
Interest Coverage 5.77
Interest Coverage ranked lower than
80.14% of 1702 companies
in the Software - Infrastructure industry.
Industry Max: 14867928, Med: 46.64, Min: 0.01
FICO: 5.77
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 4.32, Med: 5.49, Max: 7.04
Current: 5.77
4.32
7.04
Piotroski F-Score 8
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 7.98
DISTRESS
GREY
SAFE
Beneish M-Score -2.53
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 18.42%
WACC 11.27%

Profitability & Growth : 9/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 20.00
Operating Margin ranked higher than
85.73% of 2144 companies
in the Software - Infrastructure industry.
Industry Max: 678.59, Med: 4.91, Min: -510650
FICO: 20
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 18.57, Med: 19.94, Max: 25.65
Current: 20
18.57
25.65
Net Margin % 14.47
Net Margin ranked higher than
82.84% of 2144 companies
in the Software - Infrastructure industry.
Industry Max: 990.53, Med: 3.58, Min: -307550
FICO: 14.47
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 10.31, Med: 12.08, Max: 13.79
Current: 14.47
10.31
13.79
ROE % 55.62
ROE ranked higher than
96.70% of 2062 companies
in the Software - Infrastructure industry.
Industry Max: 1271.48, Med: 6.36, Min: -234428.57
FICO: 55.62
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 11.2, Med: 19.33, Max: 41.26
Current: 55.62
11.2
41.26
ROA % 12.08
ROA ranked higher than
83.95% of 2199 companies
in the Software - Infrastructure industry.
Industry Max: 3269.23, Med: 2.95, Min: -16416.67
FICO: 12.08
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 5.05, Med: 7.91, Max: 11.34
Current: 12.08
5.05
11.34
ROC (Joel Greenblatt) % 203.97
ROC (Joel Greenblatt) ranked higher than
84.80% of 2165 companies
in the Software - Infrastructure industry.
Industry Max: 85250, Med: 23.63, Min: -99999999.99
FICO: 203.97
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 184.78, Med: 265.08, Max: 423.38
Current: 203.97
184.78
423.38
3-Year Total Revenue Growth Rate 7.20
3-Year Revenue Growth Rate ranked higher than
57.46% of 1829 companies
in the Software - Infrastructure industry.
Industry Max: 1196.4, Med: 6.3, Min: -100
FICO: 8.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -2.2, Med: 13.3, Max: 37.8
Current: 8.8
-2.2
37.8
3-Year Total EBITDA Growth Rate 13.10
3-Year EBITDA Growth Rate ranked higher than
60.89% of 1588 companies
in the Software - Infrastructure industry.
Industry Max: 1165.1, Med: 9.1, Min: -450.9
FICO: 14.8
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: -2.2, Med: 16.3, Max: 73.4
Current: 14.8
-2.2
73.4
3-Year EPS w/o NRI Growth Rate 19.90
3-Year EPS w/o NRI Growth Rate ranked higher than
63.20% of 1432 companies
in the Software - Infrastructure industry.
Industry Max: 719.3, Med: 10.7, Min: -502.1
FICO: 19.9
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -19.7, Med: 18.6, Max: 79.8
Current: 19.9
-19.7
79.8

» FICO's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Application Software » Software - Infrastructure    NAICS : 511210    SIC : 7372
Compare NAS:NTNX NYSE:BKI NAS:ZS NYSE:GWRE NAS:DOX TSE:4768 NYSE:PAGS NAS:FFIV NAS:COUP NYSE:NEWR NYSE:SWI NAS:DBX NAS:ULTI ASX:XRO BSP:CIEL3 NYSE:PLAN ASX:WTC NAS:CYBR XSWX:TEMN SZSE:002410
Traded in other countries FRI.Germany 0TIQ.UK
Address 181 Metro Drive, Suite 700, San Jose, CA, USA, 95110-1346
Fair Isaac Corp is a provider of business performance management solutions that allows corporations to automate and improve key decisions. The firm operates in three segments: applications, which includes preconfigured software for marketing, account origination, collections, and so on; scores, which primarily consists of business-to-business scoring solutions, including the FICO score; and tools, composed of analytic and decision management software. The company derives revenues from software license agreements and transaction-based fees. A majority of the firm's revenue is generated in the United States, and the rest from the United Kingdom and other countries.

Ratios

Current vs industry vs history
PE Ratio (TTM) 57.23
PE Ratio ranked lower than
74.24% of 1475 companies
in the Software - Infrastructure industry.
Industry Max: 10600, Med: 24.79, Min: 0.01
FICO: 57.23
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.15, Med: 22.35, Max: 57.23
Current: 57.23
6.15
57.23
PE Ratio without NRI 57.23
PE without NRI ranked lower than
75.11% of 1414 companies
in the Software - Infrastructure industry.
Industry Max: 10600, Med: 24.46, Min: 0.01
FICO: 57.23
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.82, Med: 22.35, Max: 57.23
Current: 57.23
6.82
57.23
Price-to-Owner-Earnings 57.88
Price-to-Owner-Earnings ranked lower than
72.28% of 826 companies
in the Software - Infrastructure industry.
Industry Max: 2445, Med: 25.26, Min: 0.08
FICO: 57.88
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 3.72, Med: 21.67, Max: 57.88
Current: 57.88
3.72
57.88
PB Ratio 35.68
PB Ratio ranked lower than
95.98% of 2262 companies
in the Software - Infrastructure industry.
Industry Max: 5500, Med: 2.93, Min: 0.01
FICO: 35.68
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.87, Med: 3.64, Max: 35.68
Current: 35.68
0.87
35.68
PS Ratio 8.27
PS Ratio ranked lower than
77.29% of 2268 companies
in the Software - Infrastructure industry.
Industry Max: 285714.29, Med: 2.86, Min: 0
FICO: 8.27
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.72, Med: 2.6, Max: 8.27
Current: 8.27
0.72
8.27
Price-to-Free-Cash-Flow 42.47
Price-to-Free-Cash-Flow ranked lower than
58.55% of 924 companies
in the Software - Infrastructure industry.
Industry Max: 2237.2, Med: 28.2, Min: 0.08
FICO: 42.47
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 3.12, Med: 16.78, Max: 42.47
Current: 42.47
3.12
42.47
Price-to-Operating-Cash-Flow 37.07
Price-to-Operating-Cash-Flow ranked lower than
62.91% of 1181 companies
in the Software - Infrastructure industry.
Industry Max: 6271.25, Med: 20.26, Min: 0.04
FICO: 37.07
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 2.8, Med: 14.2, Max: 37.07
Current: 37.07
2.8
37.07
EV-to-EBIT 40.41
EV-to-EBIT ranked lower than
70.33% of 1537 companies
in the Software - Infrastructure industry.
Industry Max: 119475.88, Med: 18.1, Min: 0.05
FICO: 40.41
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 6.7, Med: 14.6, Max: 42
Current: 40.41
6.7
42
EV-to-EBITDA 35.59
EV-to-EBITDA ranked lower than
73.15% of 1661 companies
in the Software - Infrastructure industry.
Industry Max: 64649.64, Med: 14.06, Min: 0.01
FICO: 35.59
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 5.1, Med: 12.2, Max: 37
Current: 35.59
5.1
37
EV-to-Revenue 8.53
EV-to-Revenue ranked lower than
76.15% of 2327 companies
in the Software - Infrastructure industry.
Industry Max: 295554.27, Med: 2.52, Min: 0.01
FICO: 8.53
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 1.2, Med: 3.1, Max: 8.9
Current: 8.53
1.2
8.9
PEG Ratio 7.24
PEG Ratio ranked lower than
84.31% of 650 companies
in the Software - Infrastructure industry.
Industry Max: 288.5, Med: 1.89, Min: 0.02
FICO: 7.24
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 1.42, Med: 4.51, Max: 47.18
Current: 7.24
1.42
47.18
Shiller PE Ratio 94.22
Shiller PE Ratio ranked lower than
82.82% of 588 companies
in the Software - Infrastructure industry.
Industry Max: 13256.8, Med: 33.85, Min: 0.02
FICO: 94.22
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 7.47, Med: 27.1, Max: 94.15
Current: 94.22
7.47
94.15
Current Ratio 0.91
Current Ratio ranked lower than
87.13% of 2075 companies
in the Software - Infrastructure industry.
Industry Max: 672.73, Med: 1.93, Min: 0.01
FICO: 0.91
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.62, Med: 2.48, Max: 6.79
Current: 0.91
0.62
6.79
Quick Ratio 0.91
Quick Ratio ranked lower than
85.11% of 2075 companies
in the Software - Infrastructure industry.
Industry Max: 672.73, Med: 1.78, Min: 0.01
FICO: 0.91
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.62, Med: 2.4, Max: 6.79
Current: 0.91
0.62
6.79
Days Sales Outstanding 91.82
Days Sales Outstanding ranked lower than
65.66% of 2082 companies
in the Software - Infrastructure industry.
Industry Max: 989.79, Med: 66.86, Min: 0.02
FICO: 91.82
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 58.88, Med: 69.29, Max: 76.94
Current: 91.82
58.88
76.94
Days Payable 18.57
Days Payable ranked lower than
71.93% of 1870 companies
in the Software - Infrastructure industry.
Industry Max: 2567.37, Med: 44.89, Min: 0.02
FICO: 18.57
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 15.19, Med: 25.79, Max: 34.96
Current: 18.57
15.19
34.96

Dividend & Buy Back

Current vs industry vs history
3-Year Dividend Growth Rate (Per Share) -100.00
3-Year Dividend Growth Rate ranked lower than
84.17% of 619 companies
in the Software - Infrastructure industry.
Industry Max: 291.5, Med: 8.9, Min: -100
FICO: -100
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: -100, Med: 0, Max: 31
Current: -100
-100
31
3-Year Share Buyback Rate 2.30
3-Year Share Buyback Rate ranked higher than
94.63% of 1507 companies
in the Software - Infrastructure industry.
Industry Max: 100, Med: -3.3, Min: -1487.4
FICO: 2.3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -17.2, Med: 1.9, Max: 10.2
Current: 2.3
-17.2
10.2

Valuation & Return

Current vs industry vs history
Price-to-Projected-FCF 3.64
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
66.48% of 907 companies
in the Software - Infrastructure industry.
Industry Max: 650.5, Med: 2.08, Min: 0.01
FICO: 3.64
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.28, Med: 1.69, Max: 4.97
Current: 3.64
0.28
4.97
Price-to-DCF (Earnings Based) 3.30
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked lower than
79.03% of 186 companies
in the Software - Infrastructure industry.
Industry Max: 52.79, Med: 1.56, Min: 0.13
FICO: 3.3
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 0.43, Med: 1.05, Max: 3.89
Current: 3.3
0.43
3.89
Price-to-Median-PS-Value 3.19
Price-to-Median-PS-Value ranked lower than
94.33% of 2062 companies
in the Software - Infrastructure industry.
Industry Max: 78, Med: 1, Min: 0.02
FICO: 3.19
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.34, Med: 1.04, Max: 2.97
Current: 3.19
0.34
2.97
Price-to-Peter-Lynch-Fair-Value 6.19
Price-to-Peter-Lynch-Fair-Value ranked lower than
92.20% of 449 companies
in the Software - Infrastructure industry.
Industry Max: 169, Med: 1.62, Min: 0.01
FICO: 6.19
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.57, Med: 1.47, Max: 7.09
Current: 6.19
0.57
7.09
Earnings Yield (Joel Greenblatt) % 2.47
Earnings Yield (Greenblatt) ranked higher than
55.28% of 2413 companies
in the Software - Infrastructure industry.
Industry Max: 2103.44, Med: 2.07, Min: -5000
FICO: 2.47
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 2.4, Med: 6.8, Max: 14.9
Current: 2.47
2.4
14.9
Forward Rate of Return (Yacktman) % 11.14
Forward Rate of Return ranked higher than
51.76% of 939 companies
in the Software - Infrastructure industry.
Industry Max: 34548.51, Med: 10.12, Min: -301.2
FICO: 11.14
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 6.5, Med: 11.7, Max: 28.3
Current: 11.14
6.5
28.3

More Statistics

Revenue (TTM) (Mil) $ 1,079.79
EPS (TTM) $ 5.1
Beta 1.58
Volatility % 32.48
52-Week Range $ 170.26 - 296.49
Shares Outstanding (Mil) 28.99

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 8
Positive ROA Y
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy N
Higher Current Ratio yoy Y
Less Shares Outstanding yoy Y
Higher Gross Margin yoy Y
Higher Asset Turnover yoy Y