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Fair Isaac Corp Stock Research

FICO

898.88USD-4.99(-0.55%)Delayedas of 21 Sep 2023, 01:24 pm
Watchlist

Market Summary

USD898.88-4.99
Delayedas of 21 Sep 2023, 01:24 pm
-0.55%

FICO Alerts

  • 2 major insider sales recently.
  • Big jump in Earnings (Y/Y)

FICO Stock Price

FICO RSI Chart

FICO Valuation

Market Cap

22.5B

Price/Earnings (Trailing)

53.74

Price/Sales (Trailing)

15.28

EV/EBITDA

38.05

Price/Free Cashflow

50.48

FICO Price/Sales (Trailing)

FICO Profitability

Operating Margin

77.68%

EBT Margin

34.39%

Return on Equity

-48.15%

Return on Assets

25.52%

Free Cashflow Yield

1.98%

FICO Fundamentals

FICO Revenue

Revenue (TTM)

1.5B

Revenue Y/Y

14.25%

Revenue Q/Q

4.84%

FICO Earnings

Earnings (TTM)

418.6M

Earnings Y/Y

37.71%

Earnings Q/Q

26.79%

Price Action

52 Week Range

389.84915.48
(Low)(High)

Last 7 days

0.7%

Last 30 days

6.9%

Last 90 days

14.9%

Trailing 12 Months

100.8%

FICO Financial Health

Current Ratio

1.4

Debt/Cashflow

0.24

FICO Investor Care

Buy Backs (1Y)

2.89%

Diluted EPS (TTM)

16.47

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales

Latest Insider Trading transactions for FICO

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-09-01
Wehmann James M
sold
-2,564,820
904
-2,836
executive vice president
2023-08-25
Manolis Eva
acquired
418,368
163
2,564
-
2023-08-25
Manolis Eva
sold
-2,185,510
852
-2,564
-
2023-08-25
Covert Stephanie
acquired
-
-
1,181
executive vice president
2023-08-25
Covert Stephanie
sold (taxes)
-246,196
851
-289
executive vice president
2023-08-07
Leonard Michael S
sold
-202,609
858
-236
cao and vice president
2023-07-22
Leonard Michael S
acquired
-
-
365
cao and vice president
2023-07-22
Weber Steven P.
acquired
-
-
365
chief financial officer
2023-07-22
Weber Steven P.
sold (taxes)
-94,584
844
-112
chief financial officer
2023-07-22
Leonard Michael S
sold (taxes)
-108,940
844
-129
cao and vice president

1–10 of 50

Which funds bought or sold FICO recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-09-12
Farther Finance Advisors, LLC
added
3.45
3,898
24,276
-%
2023-09-07
JAG CAPITAL MANAGEMENT, LLC
new
-
204,730
204,730
0.02%
2023-09-05
Meritas Wealth Management, LLC
unchanged
-
129,954
987,236
0.74%
2023-08-30
CHAPIN DAVIS, INC.
new
-
2,726,230
2,726,230
1.29%
2023-08-29
EFG Asset Management (Americas) Corp.
reduced
-20.54
-364,062
3,923,050
0.91%
2023-08-24
Alberta Investment Management Corp
added
684
2,821,570
3,172,910
0.03%
2023-08-23
WOLVERINE TRADING, LLC
new
-
348,088
348,088
-%
2023-08-23
Stonebridge Capital Advisors LLC
reduced
-2.5
17,258
157,796
0.02%
2023-08-22
VIRGINIA RETIREMENT SYSTEMS ET AL
added
0.48
4,625,030
34,067,700
0.33%
2023-08-22
COMERICA BANK
new
-
3,000
3,000
-%

1–10 of 48

Latest Funds Activity

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

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

Recent SEC filings of Fair Isaac

View All Filings
Date Filed Form Type Document
Sep 15, 2023
10-Q/A
Quarterly Report
Sep 05, 2023
4
Insider Trading
Sep 01, 2023
144
Notice of Insider Sale Intent
Aug 30, 2023
3
Insider Trading
Aug 29, 2023
4
Insider Trading
Aug 29, 2023
4
Insider Trading
Aug 25, 2023
144
Notice of Insider Sale Intent
Aug 24, 2023
8-K
Current Report
Aug 24, 2023
4
Insider Trading
Aug 24, 2023
3
Insider Trading

Peers (Alternatives to Fair Isaac)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
2.4T
211.9B
-0.34% 32.68%
32.95
11.25
6.88% -0.52%
244.3B
18.4B
2.94% 84.08%
50.33
13.26
10.40% -0.72%
207.7B
33.1B
1.91% 42.21%
131.63
6.28
14.81% 194.40%
22.5B
1.5B
6.92% 100.83%
53.74
15.28
8.03% 13.59%
20.6B
4.5B
2.27% -10.75%
145.2
4.61
3.92% -85.69%
MID-CAP
12.5B
848.2M
8.36% 49.82%
85.66
14.74
19.21% 23.01%
7.5B
905.3M
14.53% 50.63%
-48.14
8.25
11.41% -3.11%
3.2B
506.6M
-3.17% -3.38%
-20.53
6.39
20.13% -27.36%
2.7B
1.2B
-7.25% -0.16%
-24.82
2.21
-4.13% -244.28%
SMALL-CAP
1.2B
415.3M
-14.61% 14.34%
-6.22
2.8
11.66% -68.02%
775.3M
403.2M
-26.56% 32.06%
-32.36
1.92
0.77% 74.48%
23.4M
31.0M
0.85% -1.67%
-8.75
0.75
-22.14% 16.06%
16.7M
49.7M
-16.31% 20.46%
35.79
0.34
17.64% 162.46%

Fair Isaac News

Fitch Ratings
Fitch Expects to Rate Elara HGV Timeshare Issuer 2023-A LLC ....
Fitch Ratings,
117 minutes ago
DirectorsTalk Interviews

Returns for FICO

Cumulative Returns on FICO

32.6%


10-Year Cumulative Returns

32.2%


7-Year Cumulative Returns

31.7%


5-Year Cumulative Returns

27.4%


3-Year Cumulative Returns

Risks for FICO

What is the probability of a big loss on FICO?

71.2%


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

Financials for Fair Isaac

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Last 12 Months)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q32018Q2
Revenue3.5%1,4731,4231,4001,3771,3631,3521,3261,3171,3561,3321,3081,2951,2261,2261,1961,1601,1351,0751,0531,023997
Cost Of Revenue-2.2%311318310302292296312332354360360361355354352337329321315313308
Costs and Expenses1.6%861848833835840775800811881968970999945942940907880862843825806
  S&GA Expenses3.9%397383379384385400400396405397403421421424426414401396387377365
  R&D Expenses3.8%154148144147152162170171177172168166159155153149144140135128124
EBITDA-100.0%-594583561544595548534501395368323308308285280-----
EBITDA Margin-100.0%-0.42*0.42*0.41*0.40*0.44*0.41*0.41*0.37*0.30*0.28*0.25*0.25*0.25*0.24*0.24*-----
Interest Expenses6.8%92.0086.0080.0069.0059.0050.0043.0040.0040.0041.0042.0042.0042.0041.0040.0040.0039.0037.0035.0031.0028.00
Earnings Before Taxes7.5%526489484471464531490473444332303257241243221216204164163157167
EBT Margin-100.0%-0.34*0.35*0.34*0.34*0.39*0.37*0.36*0.33*0.25*0.23*0.20*0.20*0.20*0.18*0.19*-----
Net Income9.2%419383386374369426391392365278268236232232207192170136134126134
Net Income Margin-100.0%-0.27*0.28*0.27*0.27*0.32*0.29*0.30*0.27*0.21*0.20*0.18*0.19*0.19*0.17*0.17*-----
Free Cashflow-100.0%-439471503449433465416462461364343297259248236-----
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q32018Q2
Assets5.5%1,5851,5021,4591,4421,4571,4861,4631,5681,5891,5801,5771,6061,5641,5521,5451,4331,3741,3281,3061,3301,287
  Current Assets10.3%575521484485473482462551557552508534483484461456435397376396335
    Cash Equivalents18.3%16313814013315517416219523819814515712610911110679.0077.0080.0090.00120
  Net PPE----18.00---28.00---46.00---53.0053.0045.0047.0049.0052.00
  Goodwill0.3%777774771761773784787788793789818812805805813804798801799801802
Liabilities0.7%2,2892,2732,2612,2442,3042,1502,0021,6791,4641,3561,2531,2751,3171,3381,3041,1441,1051,0811,0781,043992
  Current Liabilities5.3%393373355331384383322559545501391415460480442491458437433474397
  Long Term Debt-0.2%1,8151,8181,8211,8241,8271,6651,5681,009807740740739739739738607605604604529557
    LT Debt, Non Current----1,824---1,009---739---607---529-
Shareholder's Equity---------125223324331247214241290268247228287336
  Retained Earnings4.1%3,2873,1583,0562,9592,8682,7742,6702,5852,4992,3482,2802,1932,1342,0702,0121,9571,9021,8381,8051,7651,690
  Additional Paid-In Capital2.4%1,3121,2811,2441,3001,2691,2421,2081,2371,1711,1821,1461,2191,1881,1691,1481,2251,2071,1901,1771,2111,192
Accumulated Depreciation----95.00---97.00---115---119124119113107108
Shares Outstanding-0.5%25.0025.0025.0025.0026.0026.0027.0028.0029.0029.0029.0029.0029.0029.0029.0029.0029.0029.0029.0029.0030.00
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Last 12 Months)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q32018Q2
Cashflow From Operations1.2%450444477509456440471424468475382365324286272260225242243223217
  Share Based Compensation3.9%11911411511511511711711211010196.0094.0089.0087.0084.0083.0082.0081.0080.0075.0072.00
Cashflow From Investing-2.4%-14.22-13.89-14.99-5.67-4.17132133138136-7.88-11.71-24.58-45.31-44.94-43.10-42.76-8.19-13.64-16.82-14.12-31.76
Cashflow From Financing6.4%-428-457-471-547-519-589-579-523-500-385-341-289-227-203-198-200-256-251-234-218-195
  Dividend Payments----------------------
  Buy Backs-35.3%3415286961,1041,3811,3851,307874566338225235260257206229292338370343301

FICO Income Statement

2023-06-30
CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended9 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Total revenues$ 398,688$ 348,966$ 1,123,824$ 1,028,522
Operating expenses:    
Cost of revenues71,84678,691228,221219,688
Research and development41,45535,880118,354111,247
Selling, general and administrative108,08193,248301,234287,710
Amortization of intangible assets2755328251,619
Total operating expenses221,657208,351646,693620,264
Operating income177,031140,615477,131408,258
Interest expense, net(24,545)(18,721)(71,242)(48,127)
Other income (expense), net5,301(1,000)7,270(1,932)
Income before income taxes157,787120,894413,159358,199
Provision for income taxes29,02927,39485,20875,357
Net income128,75893,500327,951282,842
Other comprehensive income (loss):    
Foreign currency translation adjustments5,072(22,496)30,005(27,841)
Comprehensive income$ 133,830$ 71,004$ 357,956$ 255,001
Earnings per share:    
Basic (in dollars per share)$ 5.16$ 3.65$ 13.10$ 10.75
Diluted (in dollars per share)$ 5.08$ 3.61$ 12.91$ 10.63
Shares used in computing earnings per share:    
Basic (in shares)24,95925,63425,04026,319
Diluted (in shares)25,33725,86725,39926,608
Gain (Loss) on Disposition of Assets$ 0$ 0$ 1,941$ 0
On-premises and SaaS software    
Total revenues172,059142,537471,203417,963
Professional services    
Total revenues24,85127,07474,34877,975
Scores    
Total revenues$ 201,778$ 179,355$ 578,273$ 532,584

FICO Balance Sheet

2023-06-30
CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
shares in Thousands, $ in Thousands
Jun. 30, 2023
Sep. 30, 2022
Current assets:  
Cash and cash equivalents$ 163,022$ 133,202
Accounts receivable, net384,024322,410
Prepaid expenses and other current assets27,96529,103
Total current assets575,011484,715
Marketable securities32,04724,515
Other investments1,2531,135
Property and equipment, net11,79917,580
Operating lease right-of-use assets26,59736,688
Goodwill776,620761,067
Intangible assets, net1,1922,017
Deferred income tax50,10111,803
Other assets109,949102,514
Total assets1,584,5691,442,034
Current liabilities:  
Accounts payable16,78717,273
Accrued compensation and employee benefits83,54697,893
Other accrued liabilities50,31466,248
Deferred revenue127,299120,045
Current maturities on debt115,00030,000
Total current liabilities392,946331,459
Long-term debt1,814,6601,823,669
Operating lease liabilities24,61939,192
Other liabilities56,32049,661
Total liabilities2,288,5452,243,981
Commitments and contingencies
Stockholders’ deficit:  
Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding)00
Common stock ($0.01 par value; 200,000 shares authorized, 88,857 shares issued and 24,892 and 25,154 shares outstanding at June 30, 2023 and September 30, 2022, respectively)249252
Additional paid-in-capital$ 1,312,390$ 1,299,588
Treasury stock, shares63,96563,703
Treasury stock, at cost (63,965 and 63,703 shares at June 30, 2023 and September 30, 2022, respectively)$ (5,208,553)$ (4,935,769)
Retained earnings3,286,6352,958,684
Accumulated other comprehensive loss(94,697)(124,702)
Total stockholders’ deficit(703,976)(801,947)
Total liabilities and stockholders’ deficit$ 1,584,569$ 1,442,034
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.