FICO Fair Isaac Corporation

Price (delayed)

$480.02

Market cap

$13.97B

P/E Ratio

59.04

Dividend/share

N/A

EPS

$8.13

Enterprise value

$14.72B

Sector: Technology
Industry: Software - Application
Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the following segments: Applications, Scores, and Decision Management Software. The Applications segment includes decision management applications designed for a type of business problem or process such as marketing, account origination, customer management, fraud, collections, and insurance claims management. The Scores segment consists of business-to-business scoring solutions and services, business-to-consumer scoring solutions and services including myFICO solutions for consumers, and associated professional services. The Decision Management Software segment comprises the analytic and decision management software tools, FICO decision management suite, and associated professional services. The company was founded by Bill Fair and Earl Isaac in 1956 and is headquartered in San Jose, CA.

Highlights

The quick ratio has increased by 45% year-on-year and by 28% since the previous quarter
FICO's equity is up by 34% QoQ and by 14% YoY
FICO's debt is up by 10% YoY but it is down by 9% QoQ
The stock's P/E is 43% above its 5-year quarterly average of 41.4 and 21% above its last 4 quarters average of 48.9

Key stats

What are the main financial stats of FICO
Market
Shares outstanding
29.1M
Market cap
$13.97B
Enterprise value
$14.72B
Valuations
Price to earnings (P/E)
59.04
Price to book (P/B)
42.04
Price to sales (P/S)
10.78
EV/EBIT
49.19
EV/EBITDA
42.1
EV/Sales
11.37
Earnings
Revenue
$1.29B
EBIT
$299.18M
EBITDA
$349.56M
Free cash flow
$342.93M
Per share
EPS
$8.13
Free cash flow per share
$11.8
Book value per share
$11.42
Revenue per share
$44.54
TBVPS
$26.99
Balance sheet
Total assets
$1.61B
Total liabilities
$1.28B
Debt
$907.64M
Equity
$331.08M
Working capital
$119.57M
Liquidity
Debt to equity
2.74
Current ratio
1.29
Quick ratio
1.19
Net debt/EBITDA
2.15
Margins
EBITDA margin
27%
Gross margin
72.1%
Net margin
18.3%
Operating margin
22.9%
Efficiency
Return on assets
15.1%
Return on equity
91.5%
Return on invested capital
25.9%
Return on capital employed
25.1%
Return on sales
23.1%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

FICO stock price

How has the Fair Isaac stock price performed over time
Intraday
-1.26%
1 week
0.42%
1 month
10.2%
1 year
34.95%
YTD
28.11%
QTD
12.84%

Financial performance

How have Fair Isaac's revenue and profit performed over time
Revenue
$1.29B
Gross profit
$933.42M
Operating income
$295.97M
Net income
$236.41M
Gross margin
72.1%
Net margin
18.3%
The net income is up by 23% year-on-year
The operating income has grown by 17% YoY and by 5% from the previous quarter
FICO's gross profit is up by 13% year-on-year and by 7% since the previous quarter
FICO's revenue is up by 12% YoY and by 6% from the previous quarter

Growth

What is Fair Isaac's growth rate over time

Valuation

What is Fair Isaac stock price valuation
P/E
59.04
P/B
42.04
P/S
10.78
EV/EBIT
49.19
EV/EBITDA
42.1
EV/Sales
11.37
The stock's P/E is 43% above its 5-year quarterly average of 41.4 and 21% above its last 4 quarters average of 48.9
The company's EPS rose by 23% YoY
FICO's P/B is 95% above its 5-year quarterly average of 21.6 but 2.9% below its last 4 quarters average of 43.3
FICO's equity is up by 34% QoQ and by 14% YoY
The stock's P/S is 80% above its 5-year quarterly average of 6.0 and 20% above its last 4 quarters average of 9.0
FICO's revenue is up by 12% YoY and by 6% from the previous quarter

Efficiency

How efficient is Fair Isaac business performance
FICO's return on equity is up by 23% year-on-year but it is down by 2.1% since the previous quarter
The ROIC has contracted by 16% YoY
The ROA has grown by 7% YoY
The company's return on sales rose by 4.5% YoY

Dividends

What is FICO's dividend history
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
Recent dividends

Financial health

How did Fair Isaac financials performed over time
The total assets is 26% greater than the total liabilities
The quick ratio has increased by 45% year-on-year and by 28% since the previous quarter
FICO's current ratio is up by 39% year-on-year and by 23% since the previous quarter
FICO's debt is 174% higher than its equity
FICO's equity is up by 34% QoQ and by 14% YoY
Fair Isaac's debt to equity has decreased by 32% QoQ and by 3.9% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.