Fair Isaac Corporation

Fair Isaac Corporation

FICOยทNYSE

$1.17K

-6.1%
TechnologySoftware - Application

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

At a Glance

Live Snapshot
Market Cap$27.24B
EPS26.9000
P/E Ratio43.67
Earnings Date07/29/2026
Fair Isaac Corporation

Fair Isaac Corporation Fair Value Envelope

FICO ยท NYSE

Our analysis suggests that FICO has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $1174.66, this represents a potential HIDDEN relative to our calculated worth for Fair Isaac Corporation.

Intrinsic Value
Current Price: $1174.66

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$86.3B
+ Cash & Equivalents$134.1M
Firm Value$86.4B
- Debt$3.1B
Equity Value$83.3B
/ Shares Outstanding24,238,984B
DCF Value$3.4K
UNDERVALUED BY 193%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$987.1M
$1.3B
$1.6B
$2.0B
$2.5B
$3.2B
$4.1B
$5.2B
$6.6B
$8.3B
Maintenance CapEx
-$2.3M
-$2.9M
-$3.6M
-$4.6M
-$5.8M
-$7.4M
-$9.4M
-$11.9M
-$15.1M
-$19.1M
Owner Earnings
$984.9M
$1.2B
$1.6B
$2.0B
$2.5B
$3.2B
$4.1B
$5.2B
$6.6B
$8.3B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$911.9M
$1.1B
$1.3B
$1.5B
$1.7B
$2.0B
$2.4B
$2.8B
$3.3B
$3.9B
Terminal Value represents 75.9% of Enterprise Value