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FICO

613.50USD+3.89(+0.64%)Market Closed

Fair Isaac Corp

Market Summary

USD613.50+3.89Market Closed
0.64%

FICO Alerts

FICO Stock Price

RSI Chart

Valuation

Market Cap

12.3B

Price/Earnings

33.24

Price/Sales

8.99

Price/Cashflow

26.84

MarketCap/EBT

26.42

Price/Sales

Profitability

Operating Margin

78.57%

EBT Margin

34.02%

Return on Equity

295.23%

Return on Assets

25.3%

Fundamentals

Revenue

Revenue (TTM)

1.4B

Revenue Y/Y

4.24%

Revenue Q/Q

-0.06%

Earnings

Earnings (TTM)

373.5M

Earnings Y/Y

5.81%

Earnings Q/Q

-3%

Price Action

52 Week Range

340.48637.69
(Low)(High)

Last 7 days

3.2%

Last 30 days

40.0%

Last 90 days

35.6%

Trailing 12 Months

52.7%

Financial Health

Current Ratio

1.23

Debt/Equity

14.63

Debt/Cashflow

0.25

Investor Care

Dividend Yield

0.03%

Buy Backs (1Y)

8.71%

Diluted EPS (TTM)

14.18

Peers (Alternatives to Fair Isaac)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
1.8T
203.1B
11.03% -24.15%
25.2
8.66
15.22% 2.81%
163.0B
30.3B
-4.65% -48.49%
304.14
5.56
21.26% -84.01%
151.4B
17.2B
15.89% -46.76%
31.46
8.81
13.86% -17.57%
25.1B
4.3B
-7.73% -61.54%
25.38
5.85
11.14% -39.03%
12.3B
1.4B
40.03% 52.68%
33.24
8.99
4.61% -4.73%
MID-CAP
7.5B
740.5M
7.01% -21.78%
67.22
10.14
15.84% 1.13%
6.4B
1.8B
0.16% 10.87%
25.47
3.64
2.74% -75.65%
5.0B
812.6M
6.00% -50.48%
-33.17
6.14
9.33% -463.42%
3.6B
447.2M
-5.07% -46.46%
-29.08
8.53
29.28% -105.78%
2.7B
1.3B
27.78% -24.24%
-89.67
2.17
16.91% -293.19%
2.4B
308.3M
1.17% 7.67%
-23.19
7.94
13.75% -232.84%
SMALL-CAP
991.7M
371.9M
-2.04% -61.67%
-8.92
2.67
15.01% -44.50%
653.0M
399.9M
22.20% -38.96%
-6.96
1.63
4.73% 8.15%
23.3M
38.0M
-4.31% -40.64%
-7.32
0.59
-10.19% -104.92%
22.8M
43.1M
-24.41% -17.71%
-30.43
0.54
1.26% -202.89%

Financials for Fair Isaac

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue1.0%1,3771,3631,3521,3261,317
Cost Of Revenue3.5%302292296312332
  S&GA Expenses-0.3%384385400400396
  R&D Expenses-3.7%147152162170171
Earnings Before Taxes1.6%471464531490473
Net Income1.4%374369426391392
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets-1.0%1,4421,4571,4861,4631,568
  Current Assets2.4%485473482462551
    Cash Equivalents-14.1%133155174162195
  Net PPE-28----
  Goodwill-1.5%761773784787788
Liabilities-2.6%2,2442,3042,1502,0021,679
  Current Liabilities-13.6%331384383322559
  Long Term Debt9.7%1,8271,6651,5681,009-
    LT Debt, Non Current-1,009----
Shareholder's Equity-622.9%-801.95-110.94---
  Retained Earnings3.2%2,9592,8682,7742,6702,585
  Additional Paid-In Capital2.4%1,3001,2691,2421,2081,237
Accumulated Depreciation-97----
Shares Outstanding-0.4%2525262728
* denotes actual numbers (not divided by Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations11.6%509456440471424
  Share Based Compensation0.6%115115117117112
Cashflow From Investing-36.0%-5.67-4.17132133138
Cashflow From Financing-5.4%-547.16-519.25-589.94-579.19-523.57
  Buy Backs-20.0%1,1041,3811,3851,307874

Risks

What is the probability of a big loss on FICO?

65.4%


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

41.5%


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.

Returns

Cumulative Returns on FICO

30.7%


10-Year Cumulative Returns

31.1%


7-Year Cumulative Returns

31.2%


5-Year Cumulative Returns

18.8%


3-Year Cumulative Returns

What are the long-term rolling returns for FICO?

FIve years rolling returns for Fair Isaac.

Which funds bought or sold FICO recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Eagle Bay Advisors LLC
ADDED
9.62
3,153
24,000
0.01%
2022-11-23
Toroso Investments, LLC
ADDED
0.55
8,000
227,000
0.01%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
4,193,000
4,193,000
0.05%
2022-11-22
CVA Family Office, LLC
UNCHANGED
-
-
4,000
-%
2022-11-21
Sunbelt Securities, Inc.
ADDED
2.25
30,000
618,000
0.13%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
REDUCED
-2.65
9,000
17,283,000
0.03%
2022-11-18
National Pension Service
UNCHANGED
-
22,000
391,000
-%
2022-11-17
CENTRAL TRUST Co
ADDED
24.52
53,000
243,000
0.01%
2022-11-17
M&T Bank Corp
ADDED
11.54
358,000
2,194,000
0.01%
2022-11-16
CAPTRUST FINANCIAL ADVISORS
ADDED
41.91
120,000
380,000
-%

1–10 of 44

Latest Funds Activity

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

Fair Isaac News

MarketWatch

Verisk Analytics Inc. stock underperforms Wednesday when compared to competitors despite daily gains.3 hours ago

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

191.90

-68.72%

272.85

-55.53%

365.17

-40.48%

461.78

-24.73%

553.74

-9.74%

Current Inflation

171.81

-72.00%

240.02

-60.88%

315.85

-48.52%

397.32

-35.24%

473.56

-22.81%

Very High Inflation

147.27

-76.00%

200.98

-67.24%

258.53

-57.86%

322.95

-47.36%

381.82

-37.76%

Historical Fair Isaac Fair Value Estimates


Recent SEC filings of Fair Isaac

View All Filings
Date Filed Form Type Document
Nov 23, 2022
4
Insider Trading
Nov 23, 2022
4
Insider Trading
Nov 23, 2022
4
Insider Trading
Nov 23, 2022
4
Insider Trading
Nov 23, 2022
4
Insider Trading
Nov 23, 2022
4
Insider Trading
Nov 23, 2022
4
Insider Trading
Nov 18, 2022
4
Insider Trading
Nov 16, 2022
4
Insider Trading
Nov 16, 2022
4
Insider Trading

Latest Insider Trading transactions for FICO

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-11-16
DEAL RICHARD
SOLD
-8,907,820
619.072
-14,389
Executive Vice President
2022-11-15
Scadina Mark R
SOLD
-1,357,790
614.664
-2,209
EVP, Gen. Counsel & Sec.
2022-11-14
Wehmann James M
SOLD
-5,968,230
596.823
-10,000
Executive Vice President
2022-11-14
Leonard Michael S
SOLD
-1,160,800
600.205
-1,934
CAO and Vice President
2022-11-14
Covert Stephanie
SOLD
-1,071,600
600
-1,786
Executive Vice President
2022-11-14
Scadina Mark R
SOLD
-8,293,490
601.283
-13,793
EVP, Gen. Counsel & Sec.
2022-09-07
Covert Stephanie
GIVEN BACK TO IS
-198,900
450
-442
Executive Vice President
2022-08-25
Covert Stephanie
SOLD (Taxes)
-139,847
485.58
-288
Executive Vice President
2022-08-25
Covert Stephanie
ACQUIRED
-
-
1,181
Executive Vice President
2022-08-17
Rees Joanna
ACQUIRED
238,975
95.59
2,500
-

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

2022-09-30
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
shares in Thousands
12 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2020
Revenues:   
Revenue$ 1,377,270,000$ 1,316,536,000$ 1,294,562,000
Operating expenses:   
Cost of revenues302,174,000332,462,000361,142,000
Research and development146,758,000171,231,000166,499,000
Selling, general and administrative383,863,000396,281,000420,930,000
Amortization of intangible assets2,061,0003,255,0004,993,000
Restructuring and impairment charges07,957,00045,029,000
Gains on product line asset sales and business divestiture0(100,139,000)0
Total operating expenses834,856,000811,047,000998,593,000
Operating income542,414,000505,489,000295,969,000
Interest expense, net(68,967,000)(40,092,000)(42,177,000)
Other income (expense), net(2,138,000)7,745,0003,208,000
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest471,309,000473,142,000257,000,000
Provision for income taxes97,768,00081,058,00020,589,000
Net income373,541,000392,084,000236,411,000
Other comprehensive income (loss):   
Foreign currency translation adjustments(48,848,000)7,141,0007,090,000
Comprehensive income$ 324,693,000$ 399,225,000$ 243,501,000
Basic earnings per share (in dollars per share)$ 14.34$ 13.65$ 8.13
Shares used in computing basic earnings per share (in shares)26,04228,73429,067
Diluted earnings per share (in dollars per share)$ 14.18$ 13.40$ 7.90
Shares used in computing diluted earnings per share (in shares)26,34729,26029,932
Operating Segments   
Revenues:   
Revenue$ 1,377,270,000$ 1,316,536,000$ 1,294,562,000
Operating expenses:   
Total operating expenses717,440,000787,517,000854,890,000
Operating income659,830,000529,019,000439,672,000
On-premises and SaaS software   
Revenues:   
Revenue564,751,000517,888,000584,576,000
On-premises and SaaS software | Operating Segments   
Revenues:   
Revenue564,751,000517,888,000584,576,000
Professional services   
Revenues:   
Revenue105,876,000144,501,000181,439,000
Professional services | Operating Segments   
Revenues:   
Revenue105,876,000144,501,000181,439,000
Scores Products   
Revenues:   
Revenue706,643,000654,147,000528,547,000
Scores Products | Operating Segments   
Revenues:   
Revenue$ 706,643,000$ 654,147,000$ 528,547,000

FICO Balance Sheet

2022-09-30
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2022
Sep. 30, 2021
Current assets:  
Cash and cash equivalents$ 133,202$ 195,354
Accounts receivable, net322,410312,107
Prepaid expenses and other current assets29,10343,513
Total current assets484,715550,974
Marketable Securities, Noncurrent24,51531,884
Other investments1,1351,312
Property and equipment, net17,58027,913
Operating lease, right-of-use asset36,68847,275
Goodwill761,067788,185
Intangible assets, net2,0174,099
Deferred Income Taxes and Other Assets, Current11,80320,549
Other assets102,51495,585
Total assets1,442,0341,567,776
Current liabilities:  
Accounts payable17,27320,749
Accrued compensation and employee benefits97,893103,506
Other accrued liabilities66,24879,535
Deferred revenue120,045105,417
Current maturities on debt30,000250,000
Total current liabilities331,459559,207
Long-term debt1,823,6691,009,018
Operating lease liabilities39,19253,670
Other Liabilities, Noncurrent49,66156,823
Total liabilities2,243,9811,678,718
Commitments and contingencies
Stockholders’ deficit:  
Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding)00
Common Stock, Value, Outstanding252276
Additional paid-in-capital1,299,5881,237,348
Treasury stock, at cost(4,935,769)(3,857,855)
Retained earnings2,958,6842,585,143
Accumulated other comprehensive loss(124,702)(75,854)
Total stockholders’ deficit(801,947)(110,942)
Total liabilities and stockholders’ deficit$ 1,442,034$ 1,567,776
Preferred stock, shares authorized (in shares)1,000,0001,000,000