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Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the Company, which may also be referred to in this report as we, us, our, and FICO ) is a global analytics software leader. We were founded in 1956 on the premise that data, used intelligently, can improve business decisions.
$979.76
+$9.59 (+0.99%)
Price from 41 days ago
Margins and capital returns are both well above average: 46.45% operating margin, ROIC at 58.74%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue up 15.9% YoY with margins expanding 3.7pp.
At 31x earnings, the current multiple leaves limited room for execution misses or growth deceleration.
31.1x earnings, 29.1x FCF. Not cheap, the quality is already reflected in the price. Upside from here requires either margin expansion or growth re-acceleration, not just continuation.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$2.24B
▲ +15.9% YoY
Net Income (TTM)
$764M
▲ +27.1% YoY
Op. Margin
51.18%
▲ +3.7pp YoY
ROIC
29.86%
▲ +10.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$800M
▲ +23.4% YoY
Op. Cash Flow (TTM)
$808M
▲ +23.0% YoY
Net Debt
$3.44B
Cash & Equiv.
$219M
5Y CAGR: +9.0%
5Y CAGR: +17.6%
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