Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FICO
HoldFallen FavouriteFair Isaac Corporation · Technology · United States · $24.9B · Avg Vol: $389M/d
COMPANY DESCRIPTION
Fair Isaac Corporation provides predictive analytics and decision management software, best known for developing the industry-standard FICO credit score. The company holds a near-monopoly in consumer credit scoring in the U.S., leveraging its proprietary algorithms and extensive data to serve as critical infrastructure for financial institutions globally. FICO is a data analytics powerhouse whose scores are integral to lending decisions worldwide.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.4B | 1.5B | 1.7B | 2.0B | 13.1% | 2.4B | 2.5B | 2.9B | 20.6% |
| EPS | 14.34 | 17.18 | 20.78 | 26.90 | 23.3% | 34.57 | 38.69 | 47.77 | 33.3% |
| Shares | 25.2M | 24.8M | 24.4M | 23.8M | -5.5% | 21.6M | — | — | — |
| Debt | 1.9B | 1.9B | 2.2B | 3.1B | 17.2% | 5.6B | — | — | — |
| Equity | -801.9M | -688.0M | -962.7M | -1.7B | — | — | — | — | — |
| Op CF | 509.4M | 468.9M | 633.0M | 778.8M | 15.2% | 1.0B | — | — | — |
| Inv CF | -5.7M | -16.0M | -28.0M | -43.7M | — | — | — | — | — |
| Fin CF | -547.2M | -455.0M | -592.9M | -750.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of FICO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FICO | Fair Isaac Corporation(you) | $24.9B | 57 | Hold |
| FROG | JFrog Ltd. | $12.2B | 56 | Hold |
| U | Unity Software Inc. | $19.1B | 46 | Hold |
| PAYX | Paychex, Inc. | $45.2B | 62 | Hold |
| SSNC | SS&C Technologies Holdings, Inc. | $19.6B | 72 | Buy |
| PTC | PTC Inc. | $17.1B | 70 | Buy |
| ROP | Roper Technologies, Inc. | $42.2B | 69 | Buy |
| TYL | Tyler Technologies, Inc. | $15.5B | 45 | Hold |
| HUBS | HubSpot, Inc. | $13.3B | 47 | Hold |
| DT | Dynatrace, Inc. | $15.6B | 71 | Buy |
Peer medians: ROE 4.6% · P/E 35.3x · Gross margin 51.2%