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Fair Isaac Corp FICO

Morningstar Rating
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Stock XNYS Rating as of
$1,411.35 +6.92 (0.49%)
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As of Delayed Price Closed
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Company Report

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Fair Isaac Earnings: Mortgage Score Pricing in Line With Our Expectations, Nonmortgage Scores Soft

Rajiv Bhatia

Fair Isaac reported an OK second fiscal quarter. Scores revenue grew 19% driven almost entirely by an 85% increase in mortgage score revenue. Nonmortgage business-to-business and consumer scores revenue were soft. The firm’s software business slowed down a bit, but growth was still healthy. With two quarters left to its fiscal year, Fair Isaac increased its guidance, which was not a surprise to us as the firm’s outlook has historically proven quite conservative. Overall, we will maintain our wide moat rating and $1,010 fair value estimate on Fair Isaac’s shares.

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Price vs Fair Value

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FICO is trading at a 887% premium.
Price
$1,411.35
Fair Value
$4,324.00
Uncertainty
High
1-Star Price
$4,874.40
5-Star Price
$483.00
Economic Moat
Nrl
Capital Allocation
Rtqfhcmw

Bulls Say, Bears Say

Bulls

FICO scores are an industry standard, and the firm has a long runway to increase prices given they are a small cost but critical offering for lenders.

Bears

Fair Isaac trades at a large premium to the credit bureaus and market overall, which could result in the stock seeing an outsize drop during a decline in sentiment.

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Trading Information

Previous Close Price
$1,404.43
Day Range
$1,388.00–1,415.95
52-Week Range
$745.45–1,415.95
Bid/Ask
$1,110.00 / $2,251.21
Market Cap
$34.88 Bil
Volume/Avg
246,644 / 186,585

Key Statistics

Price/Earnings (Normalized)
65.28
Price/Sales
22.21
Dividend Yield (Trailing)
—
Dividend Yield (Forward)
—
Total Yield
1.33%

Company Profile

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 credit scores business accounts for most of the firm’s 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
Technology
Industry
Software - Application
Stock Style Box
Mid Growth
Total Number of Employees
3,455
Website
https://www.fico.com

Competitors

Valuation

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Metric
FICO
EXPN
EFX
Price/Earnings (Normalized)
 65.280.6736.87
Price/Book Value
 —9.356.76
Price/Sales
 22.215.765.80
Price/Cash Flow
 59.9823.1326.20
Price/Earnings
FICO
EXPN
EFX

Financial Strength

Metric
FICO
EXPN
EFX
Quick Ratio
 1.920.650.56
Current Ratio
 2.040.650.67
Interest Coverage
 7.0710.593.97
Quick Ratio
FICO
EXPN
EFX

Profitability

Metric
FICO
EXPN
EFX
Return on Assets (Normalized)
 34.29%11.82%7.02%
Return on Equity (Normalized)
 —32.96%19.43%
Return on Invested Capital (Normalized)
 49.70%17.16%10.10%
Return on Assets
FICO
EXPN
EFX
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