Fair Isaac Corporation
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credi…
What to know about FICO
Fair Isaac Corporation is a large Technology company with a mixed financial profile. It scores well on profitability and growth, but risk is worth keeping an eye on.
Should you consider FICO?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Fair Isaac Corporation is a large-cap Technology company with a mixed overall financial profile — it ranks in the top quarter of its Technology peers (15 of 82).
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The business is both profitable and financially healthy — it keeps a good portion of what it earns and carries its debt comfortably.
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Valuation is in the middle of the pack — neither obviously cheap nor stretched.
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Growth is a clear strength — revenue and earnings are expanding faster than most peers, signalling strong demand for the company's products or services.
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This stock pays no dividend — your return depends entirely on the share price rising over time.
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The stock is more volatile than most S&P 500 names — it can swing sharply in both directions. This suits investors comfortable with bigger short-term moves.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how FICO compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 34.75 | Average |
| Forward P/E | 20.14 | Average |
| PEG Ratio | 0.80 | Top 25% |
| Price to Sales | 11.27 | Below avg |
| Price to Book | -12.15 | Top 25% |
| EV/EBITDA | 26.61 | Below avg |
| Earnings Yield | 2.88% | Average |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 84.17% | Top 25% |
| Operating Margin | 58.19% | Top 25% |
| Net Profit Margin | 33.67% | Top 25% |
| Return on Equity | — | N/A |
| Return on Invested Capital | 36.92% | Top 25% |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 38.70% | Top 25% |
| Revenue Growth (3Y CAGR) | 13.07% | Top 25% |
| EPS Growth (YoY) | 69.00% | Top 25% |
| Free Cash Flow Growth | 21.73% | Above avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 2.22 | Top 25% |
| Debt to Equity | — | N/A |
| Interest Coverage | 7.01 | Average |
| Altman Z-Score | 10.26 | Top 25% |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | — | N/A |
| Payout Ratio | 0.00% | Top 25% |
| Dividend Growth (5Y) | -24.21% | Below avg |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 3.41% | Average |
| OCF to Sales | 40.22% | Top 25% |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 1.28 | Below avg |
| Volatility (30-Day) | 49.56% | Below avg |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 9.65% | Below avg |
| Avg. Analyst Rating | 1.81 | Above avg |
| Target Upside % | 39.95% | Top 25% |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 25.43B | Average |
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