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Fair Isaac Corporation Quality Score

FICO

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Quality87

Strong across all measured dimensions. No single area is pulling the score down meaningfully.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
80/100
20.3x

20–25x range, moderate premium

Cash Flow Multiple
90/100
15.2x

Under 20x cash flow, well covered

Revenue Growth
100/100
14.8%

Above 10% CAGR, strong compounder

Cash Flow Growth
100/100
18.6%

Above 10% CAGR, strong compounder

Business Quality & Capital Allocation

Share Dilution
100/100
-13.8%

Shrinking >2%, active buybacks

Margin Trend
100/100
+12.3pp

Expanded 3+pp, strong improvement

Capital Structure
0/100
$5.35B

Net debt/FCF of 5.4x, high leverage

2022
$133M
$1.91B
2023
$137M
$1.90B
2024
$151M
$2.25B
2025
$134M
$3.09B
TTM
$248M
$5.60B
CashDebt
Return on Capital
100/100
25.4%

Above 20%, exceptional capital efficiency

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Fair Isaac (FICO) quality: score, margins and returns

Fair Isaac (FICO) scores 87/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100, on 51.7% operating margins and 25.4% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Fair Isaac (FICO) a high-quality business?+

Fair Isaac scores 87 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Recent figures include a 51.7% operating margin and a 25.4% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Fair Isaac's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from FICO's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Fair Isaac scores well and where it falls behind.

What is Fair Isaac's return on invested capital (ROIC)?+

Fair Isaac earns about 25.4% on its invested capital, which is exceptional. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to FICO's margins and growth on this scorecard to judge durability.

How profitable is Fair Isaac?+

Fair Isaac runs an operating margin of about 51.7% and a net margin of about 34.1%. Revenue has grown at roughly 9.0% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 17 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 3 Aug 2026. How this is calculated.

Fiscal year ends Sep. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

FICO is in 250 US ETFs. The largest of them, with FICO's weight in each:

Spot a number that looks wrong? Check it in FICO's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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