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Fair Isaac Corp (FICO)

Sous-évalué
TechnologySoftware - ApplicationUnited States

Fondamental

84

Prix

$592.47

Capitalisation boursière

$18.16B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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 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. Its 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. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It 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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 18 septembre 2026 with claude-haiku-4-5 — shared with all users

P/E: 24.1Score: 67Market cap: $17.13B

Equifax competes with FICO both with its own analytic scores and with origination and customer management software sold to lenders, insurers and telecom providers.

P/E: 16.9Score: 80Market cap: $12.76B

TransUnion offers competing bureau-developed risk scores and decisioning and fraud-prevention analytics to the same consumer lending and financial services customers.

P/E: 17.2Score: 77Market cap: $6.64B

Through NICE Actimize, it sells real-time fraud detection and financial-crime software to banks and payment processors, the same buyers targeted by FICO Falcon Fraud Manager.

VantageScore Solutions, LLCNot tracked

VantageScore sells the only rival general-purpose consumer credit score in the United States, competing with the FICO Score for the same lenders' underwriting decisions, including mortgages after its 2025 approval for Fannie Mae and Freddie Mac loans.

Experian plcEXPN

Experian sells its own credit bureau scores and a decisioning suite for loan origination, fraud detection and customer management, targeting the same banks and lenders FICO serves.

SAS Institute Inc.Not tracked

SAS competes with FICO in enterprise analytics for banking fraud detection and customer management, selling decisioning models to the same risk and marketing departments.

Bilan & Liquidités

Chiffre d'affaires

$2.39B

12 derniers mois (au 30/06/2026)

Résultat net

$815M

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

$770M

Capitaux propres totaux

$-1.75B

Passif total

$3.61B

Ratio de liquidité général

1.18

Couverture des intérêts

6.63

Dette/EBITDA

5.96

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Le poids de la dette

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

Cas généralSous-évalué

Juste valeur

$1133.06

Prix actuel

$592.47

Marge de sécurité

+47.7%

Fourchette de juste valeur

$736.49 - $1529.63

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$1434.89
Flux de trésorerie actualisés (DCF):$1230.21
Multiple de résultat (P/E):$676.33
Formule de croissance de Graham:$1778.12
Valeur de la capacité bénéficiaire (EPV):$359.35
P/B justifié:$171.99
Actualisation des dividendes (Gordon):Données insuffisantes pour le calculer
P/FFO, les fonds provenant de l'exploitation:$494.05
Bénéfices de milieu de cycle:$573.56
Multiple sur le chiffre d'affaires:$538.14
Consensus des analystes:Acheter (21B / 7H / 1S)
Dernière surprise sur les résultats:+1.75%

Indicateurs de valorisation

Ratio P/E

17.12

ROE

-37.3%

Ratio P/B

-

P/FCF

12.85

Marge brute

85.1%

ROIC

75.6%

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC atypique

ROIC

75.6%

WACC

9.6%

ROIC − WACC

+66.0 pp

Le ROIC dépasse le coût du capital — l'entreprise crée de la valeur pour les actionnaires.

Critères d'analyse fondamentale

Réussi (22)

  • EPS shows upward trend
  • EPS CAGR 17.54%
  • Price CAGR 23.52%
  • ROIC 75.6%
  • Gross Margin 85.1%
  • P/FCF 12.85
  • Operating Margin 51.7%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Interest Coverage
  • Debt/EBITDA
  • Return on Tangible Assets
  • ROE 145.7%
  • Revenue Growth 5Y 9.0%
  • Analyst Consensus 72% Buy
  • Earnings Surprise avg 4.6%
  • PEG Ratio 0.81
  • Earnings Quality (OCF/NI) 1.23
  • Share Dilution -2.0%
  • Net Margin Trend 34.1% vs 32.8%
  • Piotroski F-Score 7/9

Échoué (2)

  • Low reliance on intangibles
  • DCF valuation (Overvalued)

Indisponible (4)

  • P/B Ratio NaN
  • Dividend Payout NaN%
  • Debt/Equity ratio
  • Price below Graham Number

Score F de Piotroski

7/9

Santé financière solide

score
criteria

Qualité des bénéfices

1.23

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-2.0%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
Mr. William J. Lansing J.D.President, CEO & Director67
Mr. Steven P. WeberExecutive VP & CFO-
Mr. Mark Russell ScadinaExecutive VP, General Counsel & Corporate Secretary56
Mr. Richard Shawn DealExecutive VP & Chief Human Resources Officer58
Mr. Nikhil BehlPresident of Software51
Mr. Michael S. LeonardVP & Chief Accounting Officer60
Mr. Amir HermelinVP & CTO-
Dave SingletonVice President of Investor Relations-
Mr. John ChenManaging Director of China Operations-
Mr. Thomas A. BowersExecutive Vice President of Corporate Strategy69

Risque d'audit

6

Risque du conseil

6

Risque de rémunération

6

Risque droits des actionnaires

4

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2025-11-07

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-07-29

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-07-29

    Voir le document

via SEC EDGAR

Historique des résultats

via SEC EDGAR

Latest News

Recent headlines for FICO, sourced from Markets Gazette.

  • 2d agoNEGATIVE
    Fair Isaac (FICO) in incrocio ribassista perde supporto chiave

    Fair Isaac Corporation (FICO) shares have entered a bearish crossover, hitting a new low since July 2023 at $772 in after-hours trading. The stock is down 67% from its 2025 peak, making it a significant underperformer in the S&P 500. This sharp decline is attributed to anticipated increased competition in the credit scoring sector, exacerbated by structural changes in mortgage pricing announced by the Federal Housing Finance Agency (FHFA). Investors are reacting to the potential disruption of FICO's market dominance.

  • 27d agoNEGATIVE
    FICO Plunges 21%, Credit Bureaus Fall, as Pulte Renews Criticism

    Fair Isaac Corp. (FICO) shares plummeted 21% on Friday following renewed criticism from Federal Housing Finance Agency Director Bill Pulte regarding the costs associated with consumer credit scores. Equifax Inc. and TransUnion also experienced significant declines. Pulte's long-standing critique targets the pricing structure of credit scoring services, raising concerns about market practices and potential regulatory scrutiny. This sharp sell-off indicates investor apprehension about the future impact of these criticisms on FICO's business model and profitability, potentially leading to increased compliance costs or revised fee structures.

  • 27d agoNEGATIVE
    Pulte’s Rewewed Attack on Credit Bureaus Sends FICO Plunging

    Shares of Fair Isaac Corporation (FICO) experienced a significant decline on Friday following renewed criticism from Federal Housing Finance Agency Director Bill Pulte regarding the costs associated with consumer credit scores. Pulte's long-standing critique targets the pricing structure of credit scoring services, which directly impacts FICO's core business model. The renewed attack has led to a sharp sell-off in FICO's stock, alongside related credit bureau companies like Equifax and TransUnion, signaling investor concern over potential regulatory or market pressures on the credit scoring industry.

  • 6/15/2026NEUTRAL
    Here's How Much You Would Have Made Owning Fair Isaac Stock In The Last 15 Years

    An analysis of Fair Isaac Corporation (FICO) stock reveals a significant historical return for investors over the past 15 years. While specific figures are not detailed in the provided snippet, the title suggests substantial capital appreciation. This historical performance indicates strong underlying business fundamentals and market confidence in FICO's predictive analytics and credit scoring solutions. Investors considering FICO should note its long-term growth trajectory, which has historically rewarded shareholders, though past performance is not indicative of future results.

  • 5/11/2026POSITIVE
    Here's How Much $100 Invested In Fair Isaac 5 Years Ago Would Be Worth Today

    An investment of $100 in Fair Isaac Corporation (FICO) five years ago would have grown to approximately $730 today, representing a substantial return of over 630%. This performance significantly outpaces the broader market, highlighting FICO's consistent growth and strong market position in credit scoring and decision management solutions. The company's innovative technologies and recurring revenue model have proven resilient, attracting investor confidence and driving significant shareholder value over the past half-decade. This growth trajectory suggests continued potential for FICO as a key player in data analytics and AI-driven decisioning.

  • 4/22/2026NEGATIVE
    FICO’s stock falls as Fannie and Freddie deal the credit-score company a new blow

    FICO's stock experienced a significant downturn following news that Fannie Mae and Freddie Mac are adopting a competing credit scoring model. This strategic shift by the government-backed entities represents a substantial challenge to FICO's long-standing dominance in the credit scoring market. The move could lead to a material reduction in FICO's future revenue streams and market share, as a key segment of the mortgage industry moves away from its proprietary scores. Investors are reassessing the company's growth prospects and competitive positioning in light of this development.

  • 3/24/2026NEGATIVE
    Senator Josh Hawley Targets FICO's Mortgage Credit Score Pricing In New Probe— 'Most Damaging...'

    Senator Josh Hawley has initiated an investigation into Fair Isaac Corporation (FICO), focusing on the company's pricing strategies within the critical mortgage credit scoring market. The probe, described by Hawley as potentially 'most damaging,' signals increased regulatory scrutiny for FICO. Investors will monitor this development closely, as potential findings or regulatory actions could impact FICO's business model, revenue streams, and market position in credit scoring services. The investigation raises concerns about the fairness and transparency of FICO's pricing, potentially leading to compliance costs or operational adjustments.

via Markets Gazette