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.
It is a $14.4B technology company. Revenue grew 24.1% over the last year, it keeps 34¢ of every dollar of sales as profit, and its net debt equals ~2.5 years of free cash flow. It trades at 17.7× earnings — near the lowest of its own history.
- Website
- fico.com
- Location
- Bozeman, MT
- Employees
- 3 876
- Sector
- Technology
- Founded
- 1956
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong growth, profitability, quality and moat.
Valuation69
- P/E vs own history0th pct · 25/25
- FCF yield6.9% · 20/25
- P/S6.0x · 12/25
- EV/EBITDA15.8x · 12/25
Growth77
- Revenue CAGR10.9% · 20/25
- Net income CAGR13.6% · 20/25
- EPS CAGR ~5Y33.2% · 25/25
- Fwd implied growth13.5% · 12/25
Profitability100
- ROIC84.0% · 25/25
- ROE145.7% · 25/25
- Net margin34.1% · 25/25
- Operating margin51.6% · 25/25
Health55
- Altman Z7.73 · 25/25
- Current ratio1.18 · 12/25
- Interest coverage7.0x · 18/25
- Net cash / debtD/A 135% · 0/25
Quality84
- Piotroski F7/9 · 22/25
- Beneish M-2.74 · 25/25
- FCF conversion122% · 25/25
- Margin stabilityσ 12.2% · 12/25
Moat100
- ROIC >12% years9/9 yrs · 25/25
- Median gross margin74.7% · 25/25
- FCF-positive years9/9 yrs · 25/25
- Worst-year net marginworst 12.4% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2025FinancialBest year on record$652M net income
- FY2018FinancialRevenue crossed $1B$1.03B for the year
- FY2016FinancialProfitable every year on record9 consecutive profitable years in our data
- FY2016FinancialPositive free cash flow every year since9-year streak
- 2016MilestoneIt opened an office in Bozeman, Montana, which later became its headquarters
- 2013AcquisitionLenders purchased more than 10 billion FICO scores and about 30 million American consumers accessed their…
- 1995AcquisitionFannie Mae and Freddie Mac first began using FICO scores to help determine which American consumers qualified for…
- 1989ProductThe company debuted its first general-purpose FICO score in 1989
- 1987IPOFICO went public in July 1987 and is traded on the New York Stock Exchange
- 1956FoundedFICO was founded in 1956 as Fair, Isaac and Company by engineer William R
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (85.1%)
- Strongly profitable — 34.1% net margin
- Revenue growing 24.1% year over year
- Strong cash conversion — FCF is 41.6% of revenue
- Interest covered 7.0× by operating earnings
Watch-outs
- Net debt would take ~5.4 years of free cash flow to repay
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+24.1% YoY
- Profitable — makes more than it spends$815M TTM
- Profit growing — earnings are higher than last year+23.3% YoY
- Generates cash — cash left after running and investing$996M TTM
- Debt under control — could handle its obligations~2.5y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$14.4B market cap
- Not printing shares — share count not ballooning — you keep your slice-18.9% shares over ~5y
- Proven track record — years of profitability behind it9/9 profitable years
- Financially stable — balance sheet not near distressAltman Z 7.7 — safe
- Pays a dividend — returns cash to shareholdersno data
- Valuation not extreme — price not wildly above earningsP/E 17.7
Peer comparisonFair Isaac Corporation vs 6 largest technology peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| FICO this company | $14.4B | 17.7 | +24.1% | 34.1% | Solid |
| NVDA Nvidia Corp | $5.5T | 28.6 | +83.4% | 63.7% | Mixed |
| AAPL Apple Inc. | $4.9T | 38.1 | +14.2% | 27.6% | Strong |
| GOOGL Alphabet Inc. | $4.3T | 17.6 | +20.1% | 54.8% | Mixed |
| MSFT Microsoft Corp | $4.0T | 29.7 | +17.8% | 40.3% | Strong |
| SPCX Space Exploration Technologies Corp. | $2.1T | — | +33.2% | -34.0% | Strained |
| META Meta Platforms, Inc. | $1.8T | 26.9 | +27.7% | 29.8% | Mixed |
Head-to-head: FICO vs NVDA · FICO vs AAPL · FICO vs GOOGL
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/FICO
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of FICO on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $667.58 · market cap $14.4B.