Fair Isaac Corporation (FICO) — Analysis Summary
Fair Isaac Corporation (FICO) has a market cap of $24.99B with year-over-year revenue growth of +15.9%. Net margin stands at 32.7%. The stock trades at a P/E ratio of 30.7.
Key Takeaways
- Revenue changed +15.9% year-over-year
- Net margin of 32.7%
- P/E ratio of 30.7
Compared to other companies in the SERVICES-BUSINESS SERVICES, NEC sector, FICO posted revenue growth of +15.9% and trades at a P/E of 30.7.
Fair Isaac Corporation (FICO)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Shareholder equity is negative, which can signal balance-sheet stress.
Debt/EBITDA at 4.5x — elevated leverage
Operating margin at 51.7% — exceptionally high, typical only for monopolistic or IP-heavy businesses
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's revenue and profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.
Sector
SERVICES-BUSINESS SERVICES, NEC
Employees
3,876
Headquarters
BOZEMAN, MT
Exchange
XNYS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$0.08
Dividend Yield
0.01%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.