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Technology - Software - Application - NYSE - US
$ 1713.2
2.34 %
$ 41.8 B
Market Cap
78.73
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FICO stock under the worst case scenario is HIDDEN Compared to the current market price of 1.71 K USD, Fair Isaac Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FICO stock under the base case scenario is HIDDEN Compared to the current market price of 1.71 K USD, Fair Isaac Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FICO stock under the best case scenario is HIDDEN Compared to the current market price of 1.71 K USD, Fair Isaac Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FICO

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$2.4k$2.4k$2.3k$2.3k$2.2k$2.2k$2.1k$2.1k$2.0k$2.0k$1.9k$1.9k$1.8k$1.8k$1.7k$1.7k$1.6k$1.6k15 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.72 B REVENUE
13.48%
734 M OPERATING INCOME
14.12%
513 M NET INCOME
19.43%
633 M OPERATING CASH FLOW
34.98%
-28 M INVESTING CASH FLOW
-75.46%
-593 M FINANCING CASH FLOW
-30.31%
440 M REVENUE
-3.05%
180 M OPERATING INCOME
-8.95%
153 M NET INCOME
12.41%
194 M OPERATING CASH FLOW
-14.34%
-8.94 M INVESTING CASH FLOW
-18.30%
-144 M FINANCING CASH FLOW
36.73%
Balance Sheet Fair Isaac Corporation
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Current Assets 617 M
Cash & Short-Term Investments 151 M
Receivables 427 M
Other Current Assets 40.1 M
Non-Current Assets 1.1 B
Long-Term Investments 45.3 M
PP&E 68 M
Other Non-Current Assets 987 M
8.77 %24.84 %3.96 %57.46 %Total Assets$1.7b
Current Liabilities 380 M
Accounts Payable 22.5 M
Short-Term Debt 26.6 M
Other Current Liabilities 331 M
Non-Current Liabilities 2.3 B
Long-Term Debt 2.22 B
Other Non-Current Liabilities 84.3 M
12.36 %82.67 %3.14 %Total Liabilities$2.7b
EFFICIENCY
Earnings Waterfall Fair Isaac Corporation
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Revenue 1.72 B
Cost Of Revenue 348 M
Gross Profit 1.37 B
Operating Expenses 636 M
Operating Income 734 M
Other Expenses 221 M
Net Income 513 M
2b2b2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002b(348m)1b(636m)734m(221m)513mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
79.73% GROSS MARGIN
79.73%
42.71% OPERATING MARGIN
42.71%
29.86% NET MARGIN
29.86%
-53.27% ROE
-53.27%
29.85% ROA
29.85%
42.96% ROIC
42.96%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Fair Isaac Corporation
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700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 513 M
Depreciation & Amortization 13.8 M
Capital Expenditures -8.88 M
Stock-Based Compensation 149 M
Change in Working Capital -20.5 M
Others 15 M
Free Cash Flow 624 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Fair Isaac Corporation
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Wall Street analysts predict an average 1-year price target for FICO of $2.09 K, with forecasts ranging from a low of $1.45 K to a high of $2.52 K.
FICO Lowest Price Target Wall Street Target
1.45 K USD -15.36%
FICO Average Price Target Wall Street Target
2.09 K USD 22.24%
FICO Highest Price Target Wall Street Target
2.52 K USD 46.80%
Price
Max Price Target
Min Price Target
Average Price Target
3k3k2k2k2k2k2k2k2k2k2k2k1k1k1k1k1k1kMay '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.02 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.090.090.080.080.070.070.060.060.050.050.040.040.030.030.020.020.010.010.000.000.020.020.020.020.020.020.020.020.080.020.080.02201520152016201620172017
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5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership Fair Isaac Corporation
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Sold
0-3 MONTHS
21.2 M USD 1
3-6 MONTHS
57.5 M USD 8
6-9 MONTHS
28.9 M USD 6
9-12 MONTHS
50.2 M USD 5
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
myFICO Sees Significant Surge in Consumers Checking FICO Scores BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--In honor of National Financial Literacy Month, global analytics software leader FICO (NYSE: FICO) is encouraging consumers to take charge of their financial well-being by checking their FICO® Scores for free at myFICO.com/free. As more people recognize the importance of understanding their credit health, FICO has seen a nearly 70% increase in users accessing their FICO® Score 8 for free via myFICO over the past year. As the creator of the credit score that is us. businesswire.com - 2 weeks ago
Scam Survey: UK Consumers Lack Confidence in Real-Time Payments Security LONDON--(BUSINESS WIRE)--An international survey on the uptake, trust, and future of real-time payments (RTP) from global analytics software leader FICO highlights the need for UK banks to focus on building confidence in the security of the payment method. While three quarters of consumers in the UK say they have sent (79%) and received (73%) RTP, nearly a quarter (23%) say they do not know if RTP processes include enough security checks. More information: https://www.fico.com/en/latest-thinkin. businesswire.com - 3 weeks ago
CORRECTING and REPLACING FICO Survey: 1 in 4 Indonesian Consumers Report Losing Money to Scams via Real-Time Payments JAKARTA, Indonesia--(BUSINESS WIRE)--Please replace the release with the following corrected version due to multiple revisions. The updated release reads: FICO SURVEY: 1 IN 4 INDONESIAN CONSUMERS REPORT LOSING MONEY TO SCAMS VIA REAL-TIME PAYMENTS Indonesian consumers want stronger protections against authorised push payment scams (NYSE: FICO) Highlights More than half (56%) of consumers in Indonesia identified having better fraud detection systems as the most important action banks can take to. businesswire.com - 3 weeks ago
FICO Survey: 1 in 4 Indonesian Consumers Report Losing Money to Scams via Real-Time Payments JAKARTA, Indonesia--(BUSINESS WIRE)--(NYSE: FICO) Highlights More than half (56%) of consumers in Indonesia identified having better fraud detection systems as the most important action banks can take to protect them from scams One in four (23%) Indonesian consumers reported losing money to scams via RTP The share of high-value scam losses exceeding Rp 70 million (USD$4,300) has risen to 8% in 2024 – up from 1% in 2023 A new survey by global analytics software leader FICO highlights the rising. businesswire.com - 3 weeks ago
Fujitsu and FICO Partner to Accelerate Digital Transformation in Financial Services KAWASAKI, Japan & BOZEMAN, Mont.--(BUSINESS WIRE)--FUJITSU (TSE:6702) & FICO (NYSE: FICO): Highlights: Fujitsu and FICO partner to expand FICO® Platform's Omni-Channel Engagement Capabilities in Japan from July 2025, with future regional growth Partnership to enhance financial services with advanced analytics, fraud prevention, and smarter decisioning Fujitsu will provide end-to-end support, from consulting to system implementation, while FICO delivers technical expertise to meet Japan's ev. businesswire.com - 1 month ago
Hedge Fund Founder Puts His Faith in These 3 Stocks to Deliver Market-Beating Returns Valley Forge Capital Management is a very patriotic name for a hedge fund, don't you think? 247wallst.com - 1 month ago
Nationwide Speeds Up Credit Decisioning by 50% with FICO Platform LONDON--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights: Nationwide migrated 1.5 million monthly credit decisions across mortgages, loans, and cards to the cloud-based FICO® Platform in just 7 months Results include a 50% reduction in the time to make changes to decision components, and a 30% faster process for rolling out new strategies Nationwide improved its Promoter Score (NPS), ranking third in the UK and first among high-street financial services providers, according to Forrester Research. businesswire.com - 1 month ago
Fair Isaac (FICO) Up 1.4% Since Last Earnings Report: Can It Continue? Fair Isaac (FICO) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
FICO Teams Up with Pro Volleyball Federation to Champion Financial Literacy for Volleyball Athletes and Fans BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader, FICO has announced its sponsorship of Pro Volleyball Federation (PVF) for the 2025 season. Through this partnership, FICO will help raise awareness of financial literacy and credit education by engaging PVF athletes to share valuable insights including free access to myFICO, where they can check and monitor their FICO® Score. PVF athletes will also engage with fellow players and fans on social media channels to share experiences. businesswire.com - 1 month ago
Why Fair Isaac Stock Bounced Almost 3% Skyward on Wednesday Investors were more than fair to credit analysis specialist Fair Isaac's (FICO 2.93%) stock on Wednesday. They traded it up by nearly 3%, following a bullish upgrade by an analyst. fool.com - 1 month ago
FICO to Present at Upcoming Investor Conference on March 4th BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics software leader, FICO (NYSE:FICO), today announced Steve Weber, Chief Financial Officer, will present at the Raymond James 46th Annual Institutional Investors Conference on Tuesday, March 4th at 4:00pm EST at the JW Marriott Orlando Grande Lakes, 4040 Central Florida Parkway, Orlando, FL. The presentation will be streamed live on FICO's website at www.fico.com/investors and will be available until June 2, 2025. About FICO FICO (NYSE: FICO) power. businesswire.com - 1 month ago
Fair Isaac: Score Prices Shall Keep Rising Fair Isaac keeps executing its price increase strategy and still has room for further increases in the scores segment. Volume growth in mortgage originations (110% YoY), on top of the increase in prices, should boost its free cash flow in FY2025. The growth rate has decreased in the software segment, but management expects it to accelerate in the coming quarters. seekingalpha.com - 2 months ago
8. Profile Summary

Fair Isaac Corporation FICO

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COUNTRY US
INDUSTRY Software - Application
MARKET CAP $ 41.8 B
Dividend Yield 0.00%
Description 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.
Contact 5 West Mendenhall, Bozeman, MT, 59715 https://www.fico.com
IPO Date July 22, 1987
Employees 3604
Officers Mr. Amir Hermelin Vice President & Chief Technology Officer Mr. Richard Shawn Deal Executive Vice President & Chief Human Resources Officer Mr. Mark Russell Scadina Executive Vice President, General Counsel & Corporate Secretary Mr. James M. Wehmann Executive Vice President of Scores Dave Singleton Vice President of Investor Relations Mr. Thomas A. Bowers Executive Vice President of Corporate Strategy Mr. Michael S. Leonard Vice President & Chief Accounting Officer Mr. William J. Lansing President, Chief Executive Officer & Director Mr. Steven P. Weber Executive Vice President & Chief Financial Officer Mr. John Chen Managing Director of China Operations