0.33%
-6.25%
-6.36%
16.65%
55.69%
277.06%
363.85%
AI Spotlight on FICO
Company Description
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.It operates through two segments, Scores and Software.The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services.
This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases.The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings.Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online.
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 Bozeman, Montana.
Market Data
| Last Price | 1866.42 |
| Change Percentage | 0.33% |
| Open | 1872.69 |
| Previous Close | 1860.21 |
| Market Cap ( Millions) | 45443 |
| Volume | 120665 |
| Year High | 2402.52 |
| Year Low | 1105.65 |
| M A 50 | 2113.13 |
| M A 200 | 1755.52 |
Financial Ratios
| FCF Yield | 1.34% |
| Dividend Yield | 0.00% |
| ROE | -63.05% |
| Debt / Equity | -232.95% |
| Net Debt / EBIDTA | 274.71% |
| Price To Book | -47.5 |
| Price Earnings Ratio | 89.17 |
| Price To FCF | 74.81 |
| Price To sales | 26.46 |
| EV / EBITDA | 62.42 |
News
- Jan -30 - Fair Isaac to Report Q1 Earnings: Buy, Hold or Sell the Stock?
- Jan -30 - YapΔ± Kredi Cuts Fraud by 98% in Seven Years Using FICO AI Technology
- Jan -27 - Innovative Algorithm Slashes Time to Solve Massive Optimization Problems
- Jan -22 - Stock Of The Day: Fair Isaac Chart Illustrates Trading Psychology
- Jan -21 - Fair Isaac Corporation Announces Date for Reporting of First Quarter Fiscal 2025 Financial Results
- Jan -20 - Fair Isaac Jumps 47% in a Year: How Should You Play the Stock?
- Jan -16 - Fair Isaac (FICO) Earnings Expected to Grow: What to Know Ahead of Q1 Release
- Jan -16 - FICO Expands Educational Analytics Challenge Program with Three New Historically Black Colleges and Universities to Educate Aspiring Data Scientists
- Jan -07 - Forget Nvidia: These 3 Companies Will Be the Next Stock Split Winners in 2025
- Dec -26 - The Surprising Thing That the 5 Best Stocks of the Past Decade All Have in Common
- Dec -17 - Fair Issac Surges 87% YTD: Buy Now or Wait for a Cheaper Deal?
- Dec -16 - The Awareness Group (TAG) Announces Strong Key Performance Metrics for its Non-FICO Driven Residential PPA
- Dec -16 - FICO Wins Banking Tech Award for Blockchain and AI Innovation
- Dec -14 - KBW Announces Index Rebalancing for Fourth-Quarter 2024
- Dec -09 - The Awareness Group (TAG) Unveils Non-FICO Driven Lease Program for Residential Projects
- Dec -03 - 3 S&P 500 Stocks With Sky High Risk-Adjusted Returns
- Nov -25 - Nate Silver to Explore Risk and Navigating Uncertainty at FICO World 2025
- Nov -20 - Tennis Star Chris Eubanks, Congresswoman Nikema Williams and FICO to Host Financial Literacy Event for Atlanta HBCU Students
- Nov -20 - Average Canadian FICO Score Drops from 762 to 760, Mirroring Modest Consumer Debt Level Increases and Economic Uncertainty
- Nov -20 - Scam Signal Solution from FICO and Jersey Telecom Wins Anti-Fraud Award
Business Breakdown
Expected Mid-Term Growth
Segment nΒ°1 -> Scores
Expected Growth : 11.5 %
What the company do ?
FICO scores from Fair Isaac Corporation are 3-digit numbers ranging from 300 to 850, indicating an individual's creditworthiness, with higher scores indicating better credit.
Why we expect these perspectives ?
Strong demand for credit scoring services, increasing adoption of FICO scores in emerging markets, and growing need for risk assessment in the financial industry drive Fair Isaac Corporation's 11.5% growth. Additionally, the company's expansion into new markets, such as mortgage lending and identity theft protection, contributes to its growth momentum.
Segment nΒ°2 -> Software
Expected Growth : 12.5 %
What the company do ?
FICO score is a software from Fair Isaac Corporation that provides a three-digit credit score, ranging from 300 to 850, to measure an individual's creditworthiness.
Why we expect these perspectives ?
FICO's 12.5% growth driven by increasing demand for credit scoring and risk management solutions, expansion into new markets, and growing adoption of cloud-based services. Additionally, the company's strategic acquisitions and investments in AI and machine learning have enhanced its product offerings, contributing to its growth momentum.
Fair Isaac Corporation Products
| Product Range | What is it ? |
|---|---|
| FICO Score | A three-digit credit score that summarizes an individual's credit history and creditworthiness |
| Decision Management Suite | A platform that enables organizations to automate and optimize decision-making processes |
| Falcon Fraud Manager | A fraud detection and prevention solution that identifies and prevents fraudulent transactions |
| FICO Origination Manager | A solution that streamlines and automates the loan origination process |
| FICO Customer Communication Services | A solution that enables personalized customer communication and engagement |
| FICO Analytic Modeler | A predictive analytics and modeling solution that enables organizations to build and deploy models |
| FICO Decision Central | A cloud-based decision management platform that enables organizations to make data-driven decisions |
Fair Isaac Corporation's Porter Forces
Threat Of Substitutes
Fair Isaac Corporation's credit scoring models are highly specialized and difficult to replicate, reducing the threat of substitutes.
Bargaining Power Of Customers
While customers have some bargaining power due to the availability of alternative credit scoring models, Fair Isaac Corporation's strong brand recognition and market presence mitigate this power.
Bargaining Power Of Suppliers
Fair Isaac Corporation has a diverse supplier base, reducing the bargaining power of individual suppliers.
Threat Of New Entrants
The high barriers to entry in the credit scoring market, including the need for significant investment in data and analytics, reduce the threat of new entrants.
Intensity Of Rivalry
While there is some rivalry in the credit scoring market, Fair Isaac Corporation's strong market position and brand recognition help to mitigate the intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 157.45% |
| Debt Cost | 6.53% |
| Equity Weight | -57.45% |
| Equity Cost | 10.13% |
| WACC | 4.47% |
| Leverage | -274.07% |
Fair Isaac Corporation : Quality Control
Fair Isaac Corporation passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| INTU | Intuit Inc. provides financial management and compliance products and services for consumers, small businesses, self-employed, and accounting professionals in the United States, Canada, and internationally. The company operates in four β¦ |
| CDNS | Cadence Design Systems, Inc. provides software, hardware, services, and reusable integrated circuit (IC) design blocks worldwide. The company offers functional verification services, including emulation and prototyping hardware. Its functional verification β¦ |
| CRM | Salesforce, Inc. provides customer relationship management technology that brings companies and customers together worldwide. Its Customer 360 platform empowers its customers to work together to deliver connected experiences for their β¦ |
| NOW | ServiceNow, Inc. provides enterprise cloud computing solutions that defines, structures, consolidates, manages, and automates services for enterprises worldwide. It operates the Now platform for workflow automation, artificial intelligence, machine learning, β¦ |
| APP | AppLovin Corporation engages in building a software-based platform for mobile app developers to enhance the marketing and monetization of their apps in the United States and internationally. The company's software β¦ |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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FICO
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ServiceNow
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Salesforce
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Cadence Design Systems
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Intuit
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