Fair Isaac Corp (FICO)
UndervaluedFundamental
84
मूल्य
$653.21
मार्केट कैप
$18.16B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
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
Generated on 18 सितंबर 2026 with claude-haiku-4-5 — shared with all users
Equifax competes with FICO both with its own analytic scores and with origination and customer management software sold to lenders, insurers and telecom providers.
TransUnion offers competing bureau-developed risk scores and decisioning and fraud-prevention analytics to the same consumer lending and financial services customers.
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 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 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 competes with FICO in enterprise analytics for banking fraud detection and customer management, selling decisioning models to the same risk and marketing departments.
बैलेंस शीट और तरलता
राजस्व
$2.39B
पिछले 12 महीने (30/6/2026 तक)
शुद्ध आय
$815M
पिछले 12 महीने (30/6/2026 तक)
Free Cash Flow
$770M
कुल इक्विटी
$-1.75B
कुल देनदारियाँ
$3.61B
Current Ratio
1.18
Interest Coverage
6.63
Debt/EBITDA
5.96
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
ऋण कितना भारी है
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$1133.06
वर्तमान मूल्य
$653.21
Margin of Safety
+42.3%
Fair Value सीमा
$736.49 - $1529.63
इस्तेमाल किए गए valuation methods के बीच का फैलाव, कोई सांख्यिकीय रूप से calibrated confidence interval नहीं।
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
17.12
ROE
-37.3%
P/B Ratio
-
P/FCF
12.85
Gross Margin
85.1%
ROIC
75.6%
लाभप्रदता Radar
मूल्य सृजन (प्रतिस्पर्धी बढ़त)
ROIC आउटलायरROIC
75.6%
WACC
9.6%
ROIC − WACC
+66.0 pp
ROIC पूंजी की लागत से अधिक है — कंपनी शेयरधारकों के लिए मूल्य सृजित कर रही है।
Fundamental विश्लेषण मानदंड
पास (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
फेल (2)
- Low reliance on intangibles
- DCF valuation (Overvalued)
अनुपलब्ध (4)
- P/B Ratio NaN
- Dividend Payout NaN%
- Debt/Equity ratio
- Price below Graham Number
Piotroski F-Score
मजबूत वित्तीय स्वास्थ्य
Earnings गुणवत्ता
उच्च गुणवत्ता: earnings नकदी द्वारा समर्थित
शेयर Dilution
शेयर वापस खरीद रही है। शेयरधारक अनुकूल
संस्थागत होल्डिंग
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| Mr. William J. Lansing J.D. | President, CEO & Director | 67 |
| Mr. Steven P. Weber | Executive VP & CFO | - |
| Mr. Mark Russell Scadina | Executive VP, General Counsel & Corporate Secretary | 56 |
| Mr. Richard Shawn Deal | Executive VP & Chief Human Resources Officer | 58 |
| Mr. Nikhil Behl | President of Software | 51 |
| Mr. Michael S. Leonard | VP & Chief Accounting Officer | 60 |
| Mr. Amir Hermelin | VP & CTO | - |
| Dave Singleton | Vice President of Investor Relations | - |
| Mr. John Chen | Managing Director of China Operations | - |
| Mr. Thomas A. Bowers | Executive Vice President of Corporate Strategy | 69 |
Audit जोखिम
6
बोर्ड जोखिम
6
मुआवजा जोखिम
6
शेयरधारक अधिकार जोखिम
4
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
दस्तावेज़
- दस्तावेज़ देखें
वार्षिक रिपोर्ट (10-K)
कंपनी के कारोबार, वित्तीय नतीजों और जोखिमों का वार्षिक सिंहावलोकन।
दाखिल तिथि: 2025-11-07
- दस्तावेज़ देखें
तिमाही रिपोर्ट (10-Q)
पिछले तीन महीनों के वित्तीय प्रदर्शन का अपडेट।
दाखिल तिथि: 2026-07-29
- दस्तावेज़ देखें
विशेष रिपोर्ट (8-K)
किसी बड़ी घटना, जैसे नेतृत्व में बदलाव या बड़ी घोषणा, की सूचना।
दाखिल तिथि: 2026-07-29
via SEC EDGAR
आय का इतिहास
via SEC EDGAR
Latest News
Recent headlines for FICO, sourced from Markets Gazette.
- 2d agoNEGATIVEFair 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 agoNEGATIVEPulte’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.
- 27d agoNEGATIVEFICO 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.
- 6/15/2026NEUTRALHere'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.
- 5/11/2026POSITIVEHere'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.
- 4/22/2026NEGATIVEFICO’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.
- 3/24/2026NEGATIVESenator 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