FICO:NYE-Fair Isaac Corporation (USD)

COMMON STOCK | Software—Application | NYE

Last Closing Price

USD 354.50

Change

+0.32 (+0.09)%

Market Cap

USD 1.67B

Volume

0.16M

Average Target Price

USD 368.50 (+3.95%)
Average Analyst Rating

Verdict

STA Verdict

Verdict

About

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions. The company offers analytical solutions, credit scoring, and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, healthcare organizations, and public agencies. It operates through three segments: Applications, Scores, and Decision Management Software. The Applications segment offers pre-configured decision management applications designed for various business problems or processes, such as marketing, account origination, customer management, fraud, collection, and insurance claims management, as well as associated professional services. The Scores segment provides business-to-business scoring solutions and services, including myFICO solutions for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as associated professional services. The Decision Management Software segment offers analytic and decision management software tools, as well as associated professional services. The company offers a portfolio of applications, tools, and services in the cloud to clients through its FICO Analytic Cloud, FICO Decision Management Suite, and FICO Decision Management Platform. Fair Isaac Corporation markets its products and services primarily through its direct sales organization; indirect channels; subsidiary sales organizations; and resellers and independent distributors, as well as online. It operates in the United States, the United Kingdom, and internationally. 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 San Jose, California.

Market Stats

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2019-12-11 )

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ETFs Containing FICO

Symbol Name Weight Mer Price(Change) Market Cap
XMMO Invesco S&P MidCap Moment.. 2.93 % 0.39 %

+0.11 (+0.18%)

USD0.61B
XITK SPDR FactSet Innovative T.. 1.56 % 0.45 %

+0.09 (+0.09%)

USD0.06B
NFO Invesco Insider Sentiment.. 1.17 % 0.60 %

+0.03 (+0.04%)

USD0.08B
MDYG SPDR S&P 400 Mid Cap Grow.. 1.14 % 0.15 %

+0.09 (+0.16%)

USD1.66B
IVOG Vanguard S&P Mid-Cap 400 .. 1.14 % 0.20 %

+0.24 (+0.17%)

USD0.97B
IJK iShares S&P Mid-Cap 400 G.. 1.13 % 0.24 %

+0.42 (+0.18%)

USD7.46B
ZPRS:F SPDR MSCI World Small Cap.. 0.16 % 0.00 %

-0.14 (-0.20%)

USD0.38B
ZPRS:XETRA SPDR MSCI World Small Cap.. 0.16 % 0.00 %

+0.05 (+0.07%)

USD0.38B
WOSC:LSE SPDR MSCI World Small Cap.. 0.16 % 0.00 %

N/A

USD0.38B
WDSC:LSE SPDR MSCI World Small Cap.. 0.16 % 0.00 %

-0.19 (-0.24%)

USD0.36B
TWOK 0.00 % 0.10 %

N/A

N/A
IUSN:XETRA iShares III plc - iShares.. 0.00 % 0.00 %

-0.02 (-0.41%)

N/A
CUS1:LSE iShares VII Public Limite.. 0.00 % 0.00 %

-105.00 (-0.39%)

N/A
BIGD 0.00 % 0.75 %

N/A

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Software—Application)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 89.57% 82% B- 97% A+
Dividend Return N/A N/A N/A N/A N/A
Total Return 89.57% 82% B- 97% A+
Trailing 12 Months  
Capital Gain 91.01% 82% B- 98% A+
Dividend Return N/A N/A N/A N/A N/A
Total Return 91.01% 82% B- 98% A+
Trailing 5 Years  
Capital Gain 388.83% 82% B- 99% A+
Dividend Return 0.25% 17% F 1% F
Total Return 389.08% 82% B- 99% A+
Average Annual (5 Year Horizon)  
Capital Gain 35.99% 95% A 97% A+
Dividend Return 0.04% 20% F 2% F
Total Return 36.03% 95% A 97% A+
Risk Return Profile  
Volatility (Standard Deviation) 17.78% 82% B- 43% F
Risk Adjusted Return 202.59% 100% A+ 99% A+
Market Capitalization 1.67B 54% F 70% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Software—Application)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 55.86 58% F 10% F
Price/Book Ratio 35.38 4% F 2% F
Price / Cash Flow Ratio 39.40 52% F 6% F
EV/EBITDA 39.14 24% F 8% F
Management Effectiveness  
Return on Equity 66.57% 98% A+ 98% A+
Return on Invested Capital 21.44% 84% B 92% A-
Return on Assets 11.47% 96% A 95% A
Debt to Equity Ratio 209.41% 12% F 14% F
Technical Ratios  
Short Ratio 2.81 76% C 45% F
Short Percent 3.09% 85% B 69% D+
Beta 1.17 40% F 32% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector