Fair Isaac Corp

  • Earnings Score
  • Safety Score
  • Market Cap $54.19B
  • Debt $2.21B
  • Cash $150.67M
  • EV $56.25B
  • FCF $624.08M

Earnings

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Sales & Net Margins

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Earnings$512.81M
EBIT$733.63M
ROA43%
FCF$624.08M
Equity-$962.68M
Growth Stability100%
PE105.67
PEG5.57
PB-56.29
P/FCF86.83
P/S31.55
Price/Cash0
Debt/Equity-2.29
Debt/FCF3.54
Net Margins30%
Gross Margins80%
Op. Margins43%
Earnings CAGR23%
Sales Growth YoY16%
Sales Growth QoQ1%
Sales CAGR8%
FCF CAGR18%
Equity CAGR-1%
Earnings Stability0.96
Earnings Growth YoY34%
Earnings Growth QoQ7%
Earnings CAGR 5Y19%
Sales CAGR 5Y7%
FCF CAGR 5Y15%
Equity CAGR 5Y-0%
Earnings CAGR 3Y10%
Sales CAGR 3Y10%
FCF CAGR 3Y8%
Market Cap$54.19B
Revenue$1.72B
Assets$1.72B
Total Debt$2.21B
Cash$150.67M
Shares Outstanding24.39M
EV56.25B
Earnings Score95%
Safety Score62%
Working Capital237.13M
Current Ratio1.62
Gross Profit$1.37B
Shares Growth 3y-2%
Equity Growth QoQ16%
Equity Growth YoY40%

Assets & ROA

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Stockholders Equity & ROE

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Fair Isaac Corp is an applied analytics company. The firm operates in two segments: Software segment that includes pre-configured analytic and decision management solutions designed for a specific type of business need or process - such as account origination, customer management, customer engagement, fraud detection, financial crimes compliance, and marketing - as well as associated professional services. Scores segment includes business-to-business scoring solutions and services which give clients access to predictive credit and other scores.

SEC Filings

Direct access to Fair Isaac Corp (FICO) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-K Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-Q Dec 31
    • 10-K Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-Q Dec 31
    • 10-K Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Fair Isaac Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Fair Isaac Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 23%
Stability 96%
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Fair Isaac Corp Discounted Cash Flow

Fully customizable DCF calculator online for Fair Isaac Corp.

= $22B
012345678910TV
fcf$624M$738M$873M$1B$1.2B$1.4B$1.7B$2B$2.4B$2.8B$3.3B$33B
DCF$671M$722M$776M$835M$898M$965M$1B$1.1B$1.2B$1.3B$13B
Value$22B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years09/201509/201609/201709/201809/201909/202009/202109/202209/202309/2024TTM
Net Margins10%12%14%14%17%18%30%27%28%30%30%
ROA-14%14%17%18%19%32%38%41%43%43%
ROE-24%30%54%66%71%-353%-47%-62%-53%-

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years09/201509/201609/201709/201809/201909/202009/202109/202209/202309/2024TTM
Debt over FCF-3.52.943.983.492.463.023.684.013.543.54
Debt over Equity1.391.281.422.92.852.55-11.35-2.31-2.71-2.29-2.29
Growth Stability---100%100%100%100%100%100%100%100%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years09/201509/201609/201709/201809/201909/202009/202109/202209/202309/2024CAGR 5Y
Revenue YoY growth-5%6%11%12%12%2%5%10%13%7%
Earnings YoY growth-27%17%11%35%23%66%-5%15%19%19%
Equity YoY growth-2%-5%-38%10%14%-134%623%-14%40%-0%
FCF YoY growth-51%26%-7%23%45%21%21%-8%34%15%