Fair Isaac Corp

Consumer Discretionary
Business Services
www.fico.com

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
ROA	43%
FCF	$624.08M
Equity	-$962.68M
Growth Stability	100%
PE	105.67
PEG	5.57
PB	-56.29
P/FCF	86.83
P/S	31.55
Price/Cash	0
Debt/Equity	-2.29
Debt/FCF	3.54
Net Margins	30%
Gross Margins	80%
Op. Margins	43%
Earnings CAGR	23%
Sales Growth YoY	16%
Sales Growth QoQ	1%
Sales CAGR	8%
FCF CAGR	18%
Equity CAGR	-1%
Earnings Stability	0.96
Earnings Growth YoY	34%

Earnings Growth QoQ	7%
Earnings CAGR 5Y	19%
Sales CAGR 5Y	7%
FCF CAGR 5Y	15%
Equity CAGR 5Y	-0%
Earnings CAGR 3Y	10%
Sales CAGR 3Y	10%
FCF CAGR 3Y	8%
Market Cap	$54.19B
Revenue	$1.72B
Assets	$1.72B
Total Debt	$2.21B
Cash	$150.67M
Shares Outstanding	24.39M
EV	56.25B
Earnings Score	95%
Safety Score	62%
Working Capital	237.13M
Current Ratio	1.62
Gross Profit	$1.37B
Shares Growth 3y	-2%
Equity Growth QoQ	16%
Equity Growth YoY	40%

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.

Years

Calculation mode

= $22B

	0	1	2	3	4	5	6	7	8	9	10	TV
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.

Years	09/2015	09/2016	09/2017	09/2018	09/2019	09/2020	09/2021	09/2022	09/2023	09/2024	TTM
Net Margins	10%	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%	-

Good Net Margins (29.86%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

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.

Years	09/2015	09/2016	09/2017	09/2018	09/2019	09/2020	09/2021	09/2022	09/2023	09/2024	TTM
Debt over FCF	-	3.5	2.94	3.98	3.49	2.46	3.02	3.68	4.01	3.54	3.54
Debt over Equity	1.39	1.28	1.42	2.9	2.85	2.55	-11.35	-2.31	-2.71	-2.29	-2.29
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%	100%	100%

Neutral Debt/FCF ratio (3.54)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (-2.29)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

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.

Years	09/2015	09/2016	09/2017	09/2018	09/2019	09/2020	09/2021	09/2022	09/2023	09/2024	CAGR 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%