Market Summary
USD679.97+11.67
Delayed1.75%
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FICO Stock Price
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FICO Valuation
FICO Price/Sales (Trailing)
FICO Profitability
FICO Fundamentals
FICO Revenue
FICO Earnings
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
FICO Investor Care
Peers (Alternatives to Fair Isaac)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
MSFT | 2.1T | 204.1B | -1.92% | -6.89% | 30.5 | 10.08 | 10.38% | -5.25% |
CRM | 186.7B | 31.4B | 6.91% | -6.75% | 897.78 | 5.96 | 19.41% | -85.60% |
ADBE | 163.2B | 17.6B | -11.04% | -20.88% | 34.32 | 9.27 | 11.54% | -1.37% |
ZM | 20.9B | 4.4B | -7.13% | -28.23% | 201.15 | 4.75 | 7.15% | -92.46% |
FICO | 17.1B | 1.4B | -3.74% | 39.61% | 44.29 | 12.22 | 5.53% | -1.11% |
| MID-CAP | ||||||||
MANH | 8.9B | 767.1M | -2.98% | 9.04% | 69.2 | 11.63 | 15.59% | 16.73% |
GWRE | 6.5B | 869.9M | 3.14% | -9.62% | -33 | 7.53 | 13.87% | -103.37% |
CDK | 6.4B | - | 0.16% | 10.87% | 25.47 | 3.64 | - | - |
APPN | 3.1B | 468.0M | 2.00% | -15.48% | -20.53 | 6.62 | 26.74% | -70.26% |
ENV | 2.9B | 1.2B | -21.25% | -26.90% | -35.86 | 2.34 | 4.49% | -708.75% |
PING | 2.4B | 308.3M | 1.17% | 7.67% | -23.16 | 7.93 | 13.75% | -237.98% |
| SMALL-CAP | ||||||||
ZUO | 1.2B | 383.7M | 4.07% | -32.35% | -9.91 | 3.24 | 14.43% | -50.89% |
YEXT | 1.2B | 399.9M | 30.95% | 57.36% | -14.32 | 2.91 | 4.73% | 8.15% |
BSQR | 22.7M | 36.5M | -15.50% | -31.88% | -5.88 | 0.62 | -9.61% | -72.08% |
SSNT | 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) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 1.6% | 1,400 | 1,377 | 1,363 | 1,352 | 1,326 |
| Cost Of Revenue | 2.4% | 310 | 302 | 292 | 296 | 312 |
| S&GA Expenses | -1.3% | 379 | 384 | 385 | 400 | 400 |
| R&D Expenses | -1.6% | 144 | 147 | 152 | 162 | 170 |
| Costs and Expenses | -0.3% | 833 | 835 | 840 | 775 | 800 |
| EBITDA | 4.1% | 583 | 561 | 544 | 595 | 548 |
| EBITDA Margin | 2.4% | 0.42* | 0.41* | 0.40* | 0.44* | 0.41* |
| Earnings Before Taxes | 2.8% | 484 | 471 | 464 | 531 | 490 |
| EBT Margin | 1.1% | 0.35* | 0.34* | 0.34* | 0.39* | 0.37* |
| Interest Expenses | 15.4% | 80.00 | 69.00 | 59.00 | 50.00 | 43.00 |
| Net Income | 3.4% | 386 | 374 | 369 | 426 | 391 |
| Net Income Margin | 1.7% | 0.28* | 0.27* | 0.27* | 0.32* | 0.29* |
| Free Cahsflow | -6.4% | 471 | 503 | 449 | 433 | 465 |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 1.2% | 1,459 | 1,442 | 1,457 | 1,486 | 1,463 |
| Current Assets | -0.2% | 484 | 485 | 473 | 482 | 462 |
| Cash Equivalents | 5.0% | 140 | 133 | 155 | 174 | 162 |
| Net PPE | - | 18.00 | - | - | - | - |
| Goodwill | 1.4% | 771 | 761 | 773 | 784 | 787 |
| Liabilities | 0.7% | 2,261 | 2,244 | 2,304 | 2,150 | 2,002 |
| Current Liabilities | 7.1% | 355 | 331 | 384 | 383 | 322 |
| Long Term Debt | -0.2% | 1,821 | 1,824 | 1,827 | 1,665 | 1,568 |
| LT Debt, Non Current | - | 1,824 | - | - | - | - |
| Retained Earnings | 3.3% | 3,056 | 2,959 | 2,868 | 2,774 | 2,670 |
| Additional Paid-In Capital | -4.3% | 1,244 | 1,300 | 1,269 | 1,242 | 1,208 |
| Accumulated Depreciation | - | 95.00 | - | - | - | - |
| Shares Outstanding | 0.0% | 25.00 | 25.00 | 25.00 | 26.00 | 27.00 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | -6.4% | 477 | 509 | 456 | 440 | 471 |
| Share Based Compensation | -0.2% | 115 | 115 | 115 | 117 | 117 |
| Cashflow From Investing | -164.3% | -14.99 | -5.67 | -4.17 | 132 | 133 |
| Cashflow From Financing | 13.9% | -471 | -547 | -519 | -589 | -579 |
| Buy Backs | -36.9% | 696 | 1,104 | 1,381 | 1,385 | 1,307 |
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 ascending | Fund Name | Type | % 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 | - | -% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
FICO Alerts
Fair Isaac News
Schedule 13G FIlings of Fair Isaac
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form 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 Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very 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 ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
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 |
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
2022-12-31CONDENSED 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 revenues | 76,569 | 69,203 |
| Research and development | 36,633 | 38,980 |
| Selling, general and administrative | 92,995 | 98,048 |
| Amortization of intangible assets | 275 | 544 |
| Total operating expenses | 204,531 | 206,775 |
| Operating income | 140,339 | 115,586 |
| Interest expense, net | (22,800) | (12,195) |
| Other income, net | 364 | 1,429 |
| Income before income taxes | 117,903 | 104,820 |
| Provision for income taxes | 20,260 | 19,861 |
| Net income | 97,643 | 84,959 |
| Other comprehensive income (loss): | ||
| Foreign currency translation adjustments | 18,381 | (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) | 25,045 | 27,167 |
| Diluted (in shares) | 25,443 | 27,524 |
| Gain (Loss) on Disposition of Assets | $ 1,941 | $ 0 |
| On-premises and SaaS software | ||
| Total revenues | 144,560 | 126,338 |
| Professional services | ||
| Total revenues | 22,322 | 26,536 |
| Scores | ||
| Total revenues | $ 177,988 | $ 169,487 |
FICO Balance Sheet
2022-12-31CONDENSED 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, net | 308,234 | 322,410 |
| Prepaid expenses and other current assets | 35,732 | 29,103 |
| Total current assets | 483,822 | 484,715 |
| Marketable securities | 26,332 | 24,515 |
| Other investments | 1,206 | 1,135 |
| Property and equipment, net | 14,976 | 17,580 |
| Operating lease right-of-use assets | 32,366 | 36,688 |
| Goodwill | 771,455 | 761,067 |
| Intangible assets, net | 1,742 | 2,017 |
| Deferred income tax | 20,635 | 11,803 |
| Other assets | 106,159 | 102,514 |
| Total assets | 1,458,693 | 1,442,034 |
| Current liabilities: | ||
| Accounts payable | 16,838 | 17,273 |
| Accrued compensation and employee benefits | 59,876 | 97,893 |
| Other accrued liabilities | 51,378 | 66,248 |
| Deferred revenue | 126,896 | 120,045 |
| Current maturities on debt | 100,000 | 30,000 |
| Total current liabilities | 354,988 | 331,459 |
| Long-term debt | 1,820,666 | 1,823,669 |
| Operating lease liabilities | 32,400 | 39,192 |
| Other liabilities | 52,734 | 49,661 |
| Total liabilities | 2,260,788 | 2,243,981 |
| Commitments and contingencies | ||
| Stockholders’ deficit: | ||
| Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding) | 0 | 0 |
| 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) | 252 | 252 |
| Additional paid-in-capital | $ 1,244,271 | $ 1,299,588 |
| Treasury stock, shares | 63,702 | 63,703 |
| 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 earnings | 3,056,327 | 2,958,684 |
| 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 |