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Fair Isaac (FICO) Stock Analysis

This is a peer-relative look at Fair Isaac (FICO): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Software & Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Fair Isaac (FICO)
Profile ItemFICO
NameFair Isaac Corp.
Country/RegionUnited States
GICS SectorInformation Technology
GICS Industry GroupSoftware & Services
GICS IndustrySoftware
GICS Sub-IndustryApplication Software
Market Capitalization15.22 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateJuly 22, 1987
Security TypeCommon Stock

Price Performance

Cumulative Growth

FICO
GSPC
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Fair Isaac (FICO) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Fair Isaac (FICO) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Fair Isaac (FICO) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
Total Return (1Y)-58.54%-3.00%
Total Return (3Y, Annualized)-9.17%8.28%
Total Return (5Y, Annualized)12.31%-7.91%

Risk Profile

Drawdown History

FICO
GSPC
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Fair Isaac (FICO) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Fair Isaac (FICO) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
Volatility (1Y, Annualized)63.29%61.69%
Beta (5Y)1.331.06
Max Drawdown (5Y)-75.13%-76.52%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. FICO is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
Sharpe Ratio (1Y)-0.99-0.13
Sortino Ratio (1Y)-1.20-0.19

Profitability

ROE (TTM)

No usable ROE is available for Fair Isaac (FICO) this period, so the shareholder-equity return read is skipped.

FICO

Software & Services industry group

--

Group distribution
Max
53.85%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
FICO
--
Largest peers
ORCL
41.19%
PLTR
40.91%
IBM
34.77%
MSFT
34.22%
SAP
18.18%
PANW
1.74%
FICO
--
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Fair Isaac (FICO) doesn’t report ROE this period; the box shows the Software & Services group’s distribution and the dots its largest members.

Net Margin (TTM)

Fair Isaac (FICO) keeps 32.94% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

FICO

Software & Services industry group

32.94%

Group distribution
Max
41.17%
FICO
32.94%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
Largest peers
PLTR
50.34%
MSFT
41.17%
FICO
32.94%
ORCL
26.36%
SAP
20.41%
IBM
15.99%
PANW
2.67%
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Where Fair Isaac (FICO) stands on net margin within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Fair Isaac (FICO) turns 44.72% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

FICO

Software & Services industry group

44.72%

Group distribution
Max
46.89%
FICO
44.72%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
Largest peers
MSFT
49.76%
PLTR
46.89%
FICO
44.72%
ORCL
35.63%
SAP
29.50%
IBM
16.97%
PANW
5.40%
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Where Fair Isaac (FICO) stands on operating margin within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
ROE (TTM)--6.59%
ROA (TTM)40.99%2.45%
Net Margin (TTM)32.94%4.63%
Operating Margin (TTM)44.72%8.73%
Gross Margin (TTM)86.13%70.07%

Growth

Revenue Growth

Fair Isaac (FICO) grew revenue 27.33%, in the upper peer quartile. The top line is expanding faster than at most industry peers, which points to share gains or stronger pricing.

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Fair Isaac (FICO): Revenue Growth across different time periods, set against Software & Services industry-group medians.

EPS Growth

Fair Isaac (FICO) grew earnings per share 36.85%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Fair Isaac (FICO): EPS Growth across different time periods, set against Software & Services industry-group medians.

Growth Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
Revenue Growth (YoY)27.33%14.22%
Revenue Growth (3Y CAGR)18.76%13.52%
EPS Growth (YoY)36.85%7.85%
EPS Growth (3Y CAGR)28.97%18.19%

Financial Strength

Current Ratio (MRQ)

Fair Isaac (FICO) has current ratio of 0.99, in the tighter-liquidity quartile for its industry. The short-term cushion is thinner than most peers carry, even if the absolute comfort level still depends on the business model.

FICO

Software & Services industry group

0.99

Group distribution
Max
5.11
Q3
2.77
Median
1.67
Q1
1.01
FICO
0.99
Min
0.03
Largest peers
PLTR
7.10
MSFT
1.23
ORCL
1.17
SAP
1.16
FICO
0.99
PANW
0.87
IBM
0.86
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Where Fair Isaac (FICO) stands on current ratio within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

No usable debt-to-equity ratio is available for Fair Isaac (FICO) this period, so the balance-sheet leverage read is skipped.

FICO

Software & Services industry group

--

Group distribution
Max
2.52
Q3
1.13
Median
0.40
Q1
0.07
Min
0.00
FICO
--
Largest peers
ORCL
2.52
IBM
1.85
MSFT
0.28
SAP
0.23
PANW
0.09
PLTR
0.02
FICO
--
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Fair Isaac (FICO) doesn’t report debt-to-equity ratio this period; the box shows the Software & Services group’s distribution and the dots its largest members.

Financial Strength Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
Current Ratio (MRQ)0.991.67
Debt / Equity (MRQ)--0.40
Net Debt / EBITDA3.860.17

Dividends

Dividend Yield (TTM)

Fair Isaac (FICO) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

FICO

Software & Services industry group

0.00%

Group distribution
FICO
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
Largest peers
IBM
2.73%
ORCL
1.74%
SAP
1.03%
MSFT
0.69%
FICO
0.00%
PLTR
0.00%
PANW
0.00%
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Where Fair Isaac (FICO) stands on dividend yield within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Fair Isaac (FICO) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

FICO

Software & Services industry group

0.00%

Group distribution
FICO
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
Largest peers
IBM
57.51%
SAP
36.45%
ORCL
31.35%
MSFT
19.00%
FICO
0.00%
PLTR
0.00%
PANW
0.00%
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Where Fair Isaac (FICO) stands on payout ratio within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Fair Isaac (FICO) trades at P/E ratio of 19.40, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

FICO

Software & Services industry group

19.40

Group distribution
Max
112.94
Q3
60.32
Median
32.91
FICO
19.40
Q1
18.77
Min
6.69
Largest peers
PANW
784.60
PLTR
112.94
SAP
29.07
MSFT
27.69
IBM
20.90
FICO
19.40
ORCL
18.20
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Where Fair Isaac (FICO) stands on P/E ratio within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Fair Isaac (FICO) trades at 6.00 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

FICO

Software & Services industry group

6.00

Group distribution
Max
17.91
Q3
8.78
FICO
6.00
Median
4.25
Q1
2.23
Min
0.02
Largest peers
PLTR
53.02
PANW
22.37
MSFT
11.37
SAP
6.84
FICO
6.00
ORCL
5.04
IBM
3.31
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Where Fair Isaac (FICO) stands on P/S ratio within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Fair Isaac (FICO) has negative P/B ratio of -3.90, which means reported book equity is negative. Price-to-book breaks down in this situation and should not be used as a valuation signal.

FICO

Software & Services industry group

-3.90

Group distribution
Max
16.63
Q3
8.50
Median
4.30
Q1
1.92
FICO
-3.90
Min
-3.90
Largest peers
SAP
73.25
PLTR
34.41
PANW
9.30
MSFT
8.38
IBM
6.52
ORCL
5.68
FICO
-3.90
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Where Fair Isaac (FICO) stands on P/B ratio within its Software & Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Fair Isaac (FICO) metric values compared with Software & Services industry-group medians
MetricCurrent stock: FICOIndustry group median
P/E Ratio (TTM)19.4032.91
P/S Ratio (TTM)6.004.25
P/B Ratio (MRQ)-3.904.30
Free Cash Flow Yield (TTM)6.54%3.98%