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Fair Isaac Corp Stock Research

FICO

679.97USD+11.67(+1.75%)Delayed

Market Summary

USD679.97+11.67
Delayed
1.75%

FICO Alerts

FICO Stock Price

FICO RSI Chart

FICO Valuation

Market Cap

17.1B

Price/Earnings (Trailing)

44.29

Price/Sales (Trailing)

12.22

EV/EBITDA

32.2

Price/Free Cashflow

36.31

FICO Price/Sales (Trailing)

FICO Profitability

Operating Margin

77.89%

EBT Margin

34.60%

Return on Equity

-48.15%

Return on Assets

26.48%

Free Cashflow Yield

2.75%

FICO Fundamentals

FICO Revenue

Revenue (TTM)

1.4B

Revenue Y/Y

6.98%

Revenue Q/Q

-1.11%

FICO Earnings

Earnings (TTM)

386.2M

Earnings Y/Y

14.93%

Earnings Q/Q

7.66%

Price Action

52 Week Range

340.48711.85
(Low)(High)

Last 7 days

-4.6%

Last 30 days

-3.7%

Last 90 days

11.7%

Trailing 12 Months

39.6%

FICO Financial Health

Current Ratio

1.36

Debt/Equity

14.63

Debt/Cashflow

0.26

FICO Investor Care

Buy Backs (1Y)

7.41%

Diluted EPS (TTM)

14.95

Peers (Alternatives to Fair Isaac)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
2.1T
204.1B
-1.92% -6.89%
30.5
10.08
10.38% -5.25%
186.7B
31.4B
6.91% -6.75%
897.78
5.96
19.41% -85.60%
163.2B
17.6B
-11.04% -20.88%
34.32
9.27
11.54% -1.37%
20.9B
4.4B
-7.13% -28.23%
201.15
4.75
7.15% -92.46%
17.1B
1.4B
-3.74% 39.61%
44.29
12.22
5.53% -1.11%
MID-CAP
8.9B
767.1M
-2.98% 9.04%
69.2
11.63
15.59% 16.73%
6.5B
869.9M
3.14% -9.62%
-33
7.53
13.87% -103.37%
6.4B
-
0.16% 10.87%
25.47
3.64
- -
3.1B
468.0M
2.00% -15.48%
-20.53
6.62
26.74% -70.26%
2.9B
1.2B
-21.25% -26.90%
-35.86
2.34
4.49% -708.75%
2.4B
308.3M
1.17% 7.67%
-23.16
7.93
13.75% -237.98%
SMALL-CAP
1.2B
383.7M
4.07% -32.35%
-9.91
3.24
14.43% -50.89%
1.2B
399.9M
30.95% 57.36%
-14.32
2.91
4.73% 8.15%
22.7M
36.5M
-15.50% -31.88%
-5.88
0.62
-9.61% -72.08%
15.7M
45.0M
-20.90% -14.37%
-55.5
0.35
7.87% -109.93%

Financials for Fair Isaac

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue1.6%1,4001,3771,3631,3521,326
Cost Of Revenue2.4%310302292296312
  S&GA Expenses-1.3%379384385400400
  R&D Expenses-1.6%144147152162170
Costs and Expenses-0.3%833835840775800
EBITDA4.1%583561544595548
EBITDA Margin2.4%0.42*0.41*0.40*0.44*0.41*
Earnings Before Taxes2.8%484471464531490
EBT Margin1.1%0.35*0.34*0.34*0.39*0.37*
Interest Expenses15.4%80.0069.0059.0050.0043.00
Net Income3.4%386374369426391
Net Income Margin1.7%0.28*0.27*0.27*0.32*0.29*
Free Cahsflow-6.4%471503449433465
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets1.2%1,4591,4421,4571,4861,463
  Current Assets-0.2%484485473482462
    Cash Equivalents5.0%140133155174162
  Net PPE-18.00----
  Goodwill1.4%771761773784787
Liabilities0.7%2,2612,2442,3042,1502,002
  Current Liabilities7.1%355331384383322
  Long Term Debt-0.2%1,8211,8241,8271,6651,568
    LT Debt, Non Current-1,824----
  Retained Earnings3.3%3,0562,9592,8682,7742,670
  Additional Paid-In Capital-4.3%1,2441,3001,2691,2421,208
Accumulated Depreciation-95.00----
Shares Outstanding0.0%25.0025.0025.0026.0027.00
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations-6.4%477509456440471
  Share Based Compensation-0.2%115115115117117
Cashflow From Investing-164.3%-14.99-5.67-4.17132133
Cashflow From Financing13.9%-471-547-519-589-579
  Buy Backs-36.9%6961,1041,3811,3851,307

Risks for FICO

What is the probability of a big loss on FICO?

70.8%


Probability that Fair Isaac stock will be more than 20% underwater in next one year

44.6%


Probability that Fair Isaac stock will be more than 30% underwater in next one year.

18.5%


Probability that Fair Isaac stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does FICO drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Fair Isaac was unfortunately bought at previous high price.

Drawdowns

Returns for FICO

Cumulative Returns on FICO

30.8%


10-Year Cumulative Returns

30.8%


7-Year Cumulative Returns

31.4%


5-Year Cumulative Returns

30.1%


3-Year Cumulative Returns

What are the long-term rolling returns for FICO?

FIve years rolling returns for Fair Isaac.

Annualized Returns

Which funds bought or sold FICO recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-10
MATHER GROUP, LLC.
reduced
-6.2
91,184
344,184
0.01%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
added
22.02
18,403,400
42,218,400
0.05%
2023-03-08
Capital Asset Advisory Services LLC
reduced
-53.17
-72,737
226,263
0.02%
2023-03-06
Rockefeller Capital Management L.P.
reduced
-11.4
31,000
143,000
-%
2023-02-28
Voya Investment Management LLC
added
27.8
4,322,380
9,368,380
0.01%
2023-02-27
Gallagher Benefit Services, Inc.
new
-
248,411
248,411
0.05%
2023-02-27
Parallax Volatility Advisers, L.P.
new
-
594,989
594,989
-%
2023-02-24
National Pension Service
added
4,482
24,870,000
25,261,300
0.05%
2023-02-24
SRS Capital Advisors, Inc.
unchanged
-
5,556
18,556
-%
2023-02-24
NATIXIS
sold off
-100
-3,379,000
-
-%

1–10 of 46

Latest Funds Activity

Are funds buying FICO calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own FICO
No. of Funds

Fair Isaac News

openPR

Identity Theft Protection Services Market May See Big Move :Major Giants Symantec, Experian, Equifax.

openPR,
3 hours ago

Marketscreener.com

Investor's Business Daily

The Wall Street Journal

What Is a Good Credit Score? - Buy Side from WSJ.

The Wall Street Journal,
6 days ago

Yahoo Finance

Schedule 13G FIlings of Fair Isaac

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 09, 2023
vanguard group inc
10.06%
2,513,754
SC 13G/A
Jan 30, 2023
blackrock inc.
11.6%
2,898,493
SC 13G/A
Feb 14, 2022
melvin capital management lp
0%
0
SC 13G/A
Feb 10, 2022
vanguard group inc
9.94%
2,719,143
SC 13G/A
Feb 10, 2022
vanguard group inc
10.22%
2,687,121
SC 13G/A
Jan 27, 2022
blackrock inc.
14.5%
3,959,027
SC 13G/A
Jan 25, 2022
blackrock inc.
14.5%
3,959,027
SC 13G/A
Jun 10, 2021
vanguard group inc
10.04%
2,888,416
SC 13G/A
Mar 19, 2021
melvin capital management lp
5.1%
1,505,000
SC 13G
Feb 10, 2021
vanguard group inc
9.56%
2,780,517
SC 13G/A

FICO Fair Value

Fair Isaac fair value in different scenarios

The table shows the Fair Value estimates for Fair Isaac for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

132.36

-80.53%

187.32

-72.45%

262.02

-61.47%

355.87

-47.66%

424.42

-37.58%
Current Inflation

119.59

-82.41%

166.65

-75.49%

229.25

-66.29%

307.97

-54.71%

365.11

-46.30%
Very High Inflation

103.75

-84.74%

141.63

-79.17%

190.55

-71.98%

252.30

-62.90%

296.76

-56.36%

Historical Fair Isaac Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of Fair Isaac

View All Filings
Date Filed Form Type Document
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 02, 2023
8-K
Current Report
Feb 16, 2023
4
Insider Trading
Feb 16, 2023
4
Insider Trading

Latest Insider Trading transactions for FICO

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-03-01
KIRSNER JAMES
acquired
-
-
537
-
2023-03-01
ARREDONDO FABIOLA R
acquired
-
-
844
-
2023-03-01
Rey David A
acquired
-
-
238
-
2023-03-01
KELLY BRADEN R
acquired
-
-
537
-
2023-02-15
Leonard Michael S
sold
-210,542
701
-300
cao and vice president
2023-02-15
MCMORRIS MARC F
acquired
344,978
169
2,030
-
2023-02-15
MCMORRIS MARC F
sold
-1,424,100
701
-2,030
-
2023-02-14
Covert Stephanie
sold
-823,900
700
-1,177
executive vice president
2023-02-14
KIRSNER JAMES
sold
-3,501,100
700
-5,000
-
2023-01-31
Bowers Thomas A.
sold
-8,780,580
650
-13,491
executive vice president

1–10 of 50

William J. Lansing
3660
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.

FICO Income Statement

2022-12-31
CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Total revenues$ 344,870$ 322,361
Operating expenses:  
Cost of revenues76,56969,203
Research and development36,63338,980
Selling, general and administrative92,99598,048
Amortization of intangible assets275544
Total operating expenses204,531206,775
Operating income140,339115,586
Interest expense, net(22,800)(12,195)
Other income, net3641,429
Income before income taxes117,903104,820
Provision for income taxes20,26019,861
Net income97,64384,959
Other comprehensive income (loss):  
Foreign currency translation adjustments18,381(2,138)
Comprehensive income$ 116,024$ 82,821
Earnings per share:  
Basic (in dollars per share)$ 3.90$ 3.13
Diluted (in dollars per share)$ 3.84$ 3.09
Shares used in computing earnings per share:  
Basic (in shares)25,04527,167
Diluted (in shares)25,44327,524
Gain (Loss) on Disposition of Assets$ 1,941$ 0
On-premises and SaaS software  
Total revenues144,560126,338
Professional services  
Total revenues22,32226,536
Scores  
Total revenues$ 177,988$ 169,487

FICO Balance Sheet

2022-12-31
CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
shares in Thousands, $ in Thousands
Dec. 31, 2022
Sep. 30, 2022
Current assets:  
Cash and cash equivalents$ 139,856$ 133,202
Accounts receivable, net308,234322,410
Prepaid expenses and other current assets35,73229,103
Total current assets483,822484,715
Marketable securities26,33224,515
Other investments1,2061,135
Property and equipment, net14,97617,580
Operating lease right-of-use assets32,36636,688
Goodwill771,455761,067
Intangible assets, net1,7422,017
Deferred income tax20,63511,803
Other assets106,159102,514
Total assets1,458,6931,442,034
Current liabilities:  
Accounts payable16,83817,273
Accrued compensation and employee benefits59,87697,893
Other accrued liabilities51,37866,248
Deferred revenue126,896120,045
Current maturities on debt100,00030,000
Total current liabilities354,988331,459
Long-term debt1,820,6661,823,669
Operating lease liabilities32,40039,192
Other liabilities52,73449,661
Total liabilities2,260,7882,243,981
Commitments and contingencies
Stockholders’ deficit:  
Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding)00
Common stock ($0.01 par value; 200,000 shares authorized, 88,857 shares issued and 25,155 and 25,154 shares outstanding at December 31, 2022 and September 30, 2022, respectively)252252
Additional paid-in-capital$ 1,244,271$ 1,299,588
Treasury stock, shares63,70263,703
Treasury stock, at cost (63,702 and 63,703 shares at December 31, 2022 and September 30, 2022, respectively)$ (4,996,624)$ (4,935,769)
Retained earnings3,056,3272,958,684
Accumulated other comprehensive loss(106,321)(124,702)
Total stockholders’ deficit(802,095)(801,947)
Total liabilities and stockholders’ deficit$ 1,458,693$ 1,442,034