FICO$1,581.19
$1,587.55
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Powered by LiveAIOverall Analysis
BuyFair Isaac Corporation shows strong fundamental performance with robust profitability and healthy cash flow, offset by a relatively high P/E ratio. The company benefits from a strong thematic position in data analytics and decisioning, though technical indicators suggest a potential short-term consolidation. Overall, it presents a compelling long-term growth opportunity.
Thematic
Fair Isaac Corporation is well-positioned in the growing data analytics and AI-driven decisioning markets, with a strong franchise in credit scoring and fraud detection.
Fundamental
Fair Isaac demonstrates strong profitability and robust cash flow generation, though its valuation metrics are somewhat stretched. The balance sheet shows manageable debt levels.
Technical
Fair Isaac's stock is trading below its short-term and long-term moving averages, indicating a bearish short-term trend. However, key oscillators suggest it might be oversold, potentially setting up for a bounce. Further price action near support levels will be critical.
| Factor | Score |
|---|---|
| Data Analytics & AI | 85 |
| Credit Scoring & Risk Management | 90 |
| Digital Transformation | 75 |
| Regulatory Environment | 65 |
| Innovation & Product Pipeline | 75 |
| Factor | Score |
|---|---|
| Valuation | 40 |
| Profitability | 95 |
| Growth | 70 |
| Balance Sheet Health | 60 |
| Cash Flow | 85 |
| Earnings Quality | 65 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 55 |
| Volume Confirmation | 50 |
| Support & Resistance | 60 |
| Short-term Oscillators | 55 |
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Powered by LiveAIBullish Points (6)
Positive Earnings Surprises
The company has consistently beaten EPS estimates in recent quarters, with positive surprises ranging from 1.92% to 12.2% over the last 8 quarters, indicating strong earnings execution and reliability.
Reasonable P/E Ratio vs. Growth
With a TTM P/E of 82.9 and expected EPS growth, the forward P/E ratio might become more attractive. The current P/E of 65.97 (TTM) should be evaluated against the company's growth prospects and industry comparables.
Bearish Points (7)
High Forward P/E Ratio
The TTM P/E ratio of 82.9 and quarterly P/E ratios exceeding 200 in early 2025 suggest a high valuation that may be vulnerable to market corrections or unmet growth expectations.
Negative 1-Month and 6-Month Performance
The stock has experienced significant declines over the past month (-15.42%) and six months (-16.65%), signaling potential headwinds or a loss of investor confidence.
Calendar
March 2017
1
Ex-Dividend Date
March 2017
17
Next Dividend Date
July 2025
31
Next Earnings Date
H: $8.25
A: $7.70
L: $7.25
H: 531.00M
A: 515.39M
L: 504.90M
Profile
Fair Isaac Corporation develops software with analytics and digital decisioning technologies that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers 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. It offers FICO® Decision Modeler and FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, FICO Decision Optimizer, FICO TRIAD Customer Manager, FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, FICO Analytic Services, FICO Advisors, and FICO Blaze Advisor, as well as software implementation and configuration services. The company 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.
Seasonals
Price Target
2094.31 USD
The 39 analysts offering 1 year price forecasts for FICO have a max estimate of 3700.00 and a min estimate of 1364.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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