
Fair Isaac Corp
NYSE:FICO

Intrinsic Value
The intrinsic value of one
FICO
stock under the Base Case scenario is
973.6842
USD.
Compared to the current market price of 1 784.5699 USD,
Fair Isaac Corp
is
Overvalued by 45%.
The Intrinsic Value is calculated as the average of DCF and Relative values:

Valuation History
Fair Isaac Corp
Fundamental Analysis

Alternative credit-scoring methods, such as emerging fintech solutions and real-time data analytics platforms, threaten to undermine Fair Isaac’s traditional dominance in the market for standardized consumer credit scores. If lenders adopt these new models, FICO’s core revenue stream could stagnate or decline.
Fair Isaac’s FICO Score retains a near-universal brand recognition among consumers and lenders, forming a formidable barrier to entry. This entrenched market presence provides recurring revenue and ensures a continued critical role in global credit decision-making.

Revenue & Expenses Breakdown
Fair Isaac Corp
Balance Sheet Decomposition
Fair Isaac Corp
Current Assets | 724.9m |
Cash & Short-Term Investments | 146.6m |
Receivables | 492.5m |
Other Current Assets | 85.7m |
Non-Current Assets | 1.1B |
Long-Term Investments | 45.4m |
PP&E | 78.1m |
Intangibles | 779.3m |
Other Non-Current Assets | 208m |
Free Cash Flow Analysis
Fair Isaac Corp
USD | |
Free Cash Flow | USD |
Earnings Waterfall
Fair Isaac Corp
Revenue
|
1.8B
USD
|
Cost of Revenue
|
-352.8m
USD
|
Gross Profit
|
1.5B
USD
|
Operating Expenses
|
-675m
USD
|
Operating Income
|
812.6m
USD
|
Other Expenses
|
-235.5m
USD
|
Net Income
|
577.1m
USD
|
FICO Profitability Score
Profitability Due Diligence
Fair Isaac Corp's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

Score
Fair Isaac Corp's profitability score is 66/100. The higher the profitability score, the more profitable the company is.
FICO Solvency Score
Solvency Due Diligence
Fair Isaac Corp's solvency score is 55/100. The higher the solvency score, the more solvent the company is.

Score
Fair Isaac Corp's solvency score is 55/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
FICO Price Targets Summary
Fair Isaac Corp
According to Wall Street analysts, the average 1-year price target for
FICO
is 2 271.7512 USD
with a low forecast of 1 377.64 USD and a high forecast of 3 885 USD.
Dividends
Current shareholder yield for FICO is
.
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
The intrinsic value of one
FICO
stock under the Base Case scenario is
973.6842
USD.
Compared to the current market price of 1 784.5699 USD,
Fair Isaac Corp
is
Overvalued by 45%.