Fair Isaac Financials

FICO Stock  USD 1,250  8.90  0.71%   
Based on the measurements of operating efficiency obtained from Fair Isaac's historical financial statements, Fair Isaac is performing exceptionally good at the present time. It has a great chance to report excellent financial results in April. At this time, Fair Isaac's Net Receivables is very stable compared to the past year. As of the 29th of March 2024, Common Stock Shares Outstanding is likely to grow to about 34.7 M, though Total Stockholder Equity is likely to grow to (751.6 M). Key indicators impacting Fair Isaac's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.270.26
Sufficiently Up
Slightly volatile
Return On Assets0.260.25
Sufficiently Up
Slightly volatile
Operating Income776.2 M739.3 M
Sufficiently Up
Slightly volatile
Current Ratio2.651.74
Way Up
Slightly volatile
The financial analysis of Fair Isaac is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Fair Isaac includes many different criteria found on its balance sheet. For example, investors should never minimize Fair Isaac's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Fair Isaac's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Fair Isaac.

Net Income

518.47 Million

With this module, you can analyze Fair financials for your investing period. You should be able to track the changes in Fair Isaac individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Fair Isaac Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Fair Isaac's financial statements are interrelated, with each one affecting the others. For example, an increase in Fair Isaac's assets may result in an increase in income on the income statement.
Evaluating Fair Isaac's financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of Fair Isaac's profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the Fair Isaac's relative financial performance

Chance Of Distress

Less than 1

 
100  
 
Zero
Very Small
Fair Isaac has less than 1 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Fair Isaac stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, Fair Isaac's odds of distress score SHOULD NOT be confused with the real chance of Fair Isaac filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as Fair is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include Fair Isaac's liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in Fair Isaac's official financial statements usually reflect Fair Isaac's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Fair Isaac. For example, before you start analyzing numbers published by Fair accountants, it's critical to develop an understanding of what Fair Isaac's liquidity, profitability, and earnings quality are in the context of the Software space in which it operates.
Please note, the presentation of Fair Isaac's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Fair Isaac's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Fair Isaac's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Fair Isaac. Please utilize our Beneish M Score to check the likelihood of Fair Isaac's management manipulating its earnings.

Fair Isaac Company Summary

Fair Isaac competes with Genworth Financial, Home Depot, Ufp Industries, and HP. 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. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana. Fair Isaac operates under SoftwareApplication classification in the United States and is traded on New York Stock Exchange. It employs 3367 people.
Specialization
Information Technology, Software - Application
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0000814547
ISINUS3032501047
CUSIP303250104
RegionNorth America
LocationCalifornia; U.S.A
Business Address5 West Mendenhall,
SectorSoftware
IndustryInformation Technology
BenchmarkNYSE Composite
Websitewww.fico.com
Phone(406) 982 7276
CurrencyUSD - US Dollar
You should never invest in Fair Isaac without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Fair Stock, because this is throwing your money away. Analyzing the key information contained in Fair Isaac's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Fair Isaac Key Financial Ratios

Generally speaking, Fair Isaac's financial ratios allow both analysts and investors to convert raw data from Fair Isaac's financial statements into concise, actionable information that can be used to evaluate the performance of Fair Isaac over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Fair Isaac reports annually and quarterly.

Fair Isaac Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.6B1.6B1.4B1.6B1.8B1.9B
Other Current Liab118.0M103.5M97.9M161.9M186.2M195.6M
Net Debt750.2M1.1B1.8B1.7B2.0B2.1B
Retained Earnings2.2B2.6B3.0B3.4B3.9B4.1B
Cash157.4M195.4M133.2M136.8M157.3M83.8M
Net Receivables334.2M312.1M322.4M387.9M446.1M468.4M
Other Current Assets42.5M43.5M29.1M31.7M36.5M23.5M
Total Liab1.3B1.7B2.2B2.3B2.6B2.7B
Total Current Assets534.1M551.0M484.7M556.4M639.9M671.9M
Accounts Payable86.4M100.3M83.5M19.0M21.9M29.1M
Intangible Assets9.2M4.1M2.0M917K825.3K784.0K
Short Term Debt95M250M30M50M57.5M54.6M
Common Stock291K276K252K248K223.2K294.9K
Other Liab44.9M56.8M49.7M60.0M69.0M72.5M
Other Assets178.6M116.1M114.3M206.7M237.7M249.6M
Treasury Stock(2.8B)(3.0B)(3.9B)(4.9B)(4.4B)(4.2B)
Long Term Debt739.4M1.0B1.8B1.8B2.1B2.2B
Good Will812.4M788.2M761.1M773.3M889.3M790.4M
Net Tangible Assets(490.5M)(903.2M)(1.6B)(1.5B)(1.3B)(1.3B)
Long Term Debt Total606.8M739.4M1.0B1.8B2.1B2.2B
Capital Surpluse1.2B1.2B1.2B1.3B1.5B1.3B

Fair Isaac Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Fair Isaac's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense42.2M40.1M69.0M95.5M109.9M115.4M
Total Revenue1.3B1.3B1.4B1.5B1.7B1.8B
Gross Profit933.4M984.1M1.1B1.2B1.4B1.5B
Operating Income296.0M321.1M542.4M642.8M739.3M776.2M
Ebit296.0M321.1M542.4M638.9M734.8M771.5M
Ebitda416.4M346.7M562.9M653.6M751.6M789.2M
Cost Of Revenue361.1M332.5M302.2M311.1M357.7M188.6M
Income Before Tax257M473.1M471.3M553.6M636.7M668.5M
Net Income236.4M392.1M373.5M429.4M493.8M518.5M
Income Tax Expense20.6M81.1M97.8M124.2M142.9M150.0M
Research Development166.5M171.2M146.8M160.0M183.9M193.1M
Tax Provision20.6M81.1M97.8M124.2M142.9M150.0M
Net Interest Income(42.2M)(40.1M)(69.0M)(95.5M)(86.0M)(81.7M)

Fair Isaac Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Fair Isaac. It measures of how well Fair is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Fair Isaac brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Fair had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Fair Isaac has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change To Inventory(267K)(26.2M)(21.5M)(19.0M)(17.1M)(16.2M)
Change In Cash51.0M38.0M(62.2M)3.6M3.2M3.4M
Free Cash Flow342.9M416.2M503.4M464.7M534.4M561.1M
Depreciation30.4M25.6M20.5M14.6M16.8M28.5M
Dividends Paid229M613M20.9M407M468.1M491.5M
Capital Expenditures22.0M7.6M6.0M4.2M4.9M4.6M
Net Income236.4M392.1M373.5M429.4M493.8M518.5M
End Period Cash Flow157.4M195.4M133.2M136.8M157.3M92.0M
Other Non Cash Items54.4M(87.6M)28.2M11.9M10.7M11.2M
Investments(2.6M)(1.8M)(1.9M)(16.0M)(14.4M)(13.6M)
Change Receivables(36.2M)(59.9M)24.5M(31.6M)(28.4M)(27.0M)
Net Borrowings8.2M422.8M591.9M5M5.8M5.5M
Change To Netincome91.4M18.9M135.4M88.4M101.6M58.5M

Fair Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Fair Isaac's current stock value. Our valuation model uses many indicators to compare Fair Isaac value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Fair Isaac competition to find correlations between indicators driving Fair Isaac's intrinsic value. More Info.
Fair Isaac is one of the top stocks in z score category among related companies. It is one of the top stocks in market capitalization category among related companies creating about  2,025,687,544  of Market Capitalization per Z Score. . Comparative valuation analysis is a catch-all model that can be used if you cannot value Fair Isaac by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Fair Isaac's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Fair Isaac's earnings, one of the primary drivers of an investment's value.

Fair Isaac Systematic Risk

Fair Isaac's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Fair Isaac volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Fair Isaac correlated with the market. If Beta is less than 0 Fair Isaac generally moves in the opposite direction as compared to the market. If Fair Isaac Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Fair Isaac is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Fair Isaac is generally in the same direction as the market. If Beta > 1 Fair Isaac moves generally in the same direction as, but more than the movement of the benchmark.

About Fair Isaac Financials

What exactly are Fair Isaac Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Fair Isaac's income statement, its balance sheet, and the statement of cash flows. Potential Fair Isaac investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Fair Isaac investors may use each financial statement separately, they are all related. The changes in Fair Isaac's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Fair Isaac's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Fair Isaac Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Fair Isaac is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Fair has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Fair Isaac's financials are consistent with your investment objective using the following steps:
  • Review Fair Isaac's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Fair Isaac's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Fair Isaac's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Fair Isaac's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

Fair Isaac Thematic Clasifications

Fair Isaac is part of Air investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Air services and air delivery. Companies specializing in air services and air delivery
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Today, most investors in Fair Isaac Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Fair Isaac's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Fair Isaac growth as a starting point in their analysis.

Price Earnings To Growth Ratio

2.41

At this time, Fair Isaac's Price Earnings To Growth Ratio is very stable compared to the past year.

Fair Isaac March 29, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Fair Isaac help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Fair Isaac. We use our internally-developed statistical techniques to arrive at the intrinsic value of Fair Isaac based on widely used predictive technical indicators. In general, we focus on analyzing Fair Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Fair Isaac's daily price indicators and compare them against related drivers.
When determining whether Fair Isaac offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Fair Isaac's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Fair Isaac Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Fair Isaac Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Fair Isaac. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
To learn how to invest in Fair Stock, please use our How to Invest in Fair Isaac guide.
Note that the Fair Isaac information on this page should be used as a complementary analysis to other Fair Isaac's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Money Managers module to screen money managers from public funds and ETFs managed around the world.

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When running Fair Isaac's price analysis, check to measure Fair Isaac's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Fair Isaac is operating at the current time. Most of Fair Isaac's value examination focuses on studying past and present price action to predict the probability of Fair Isaac's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Fair Isaac's price. Additionally, you may evaluate how the addition of Fair Isaac to your portfolios can decrease your overall portfolio volatility.
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Is Fair Isaac's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Fair Isaac. If investors know Fair will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Fair Isaac listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.25
Earnings Share
17.87
Revenue Per Share
62.24
Quarterly Revenue Growth
0.108
Return On Assets
0.2678
The market value of Fair Isaac is measured differently than its book value, which is the value of Fair that is recorded on the company's balance sheet. Investors also form their own opinion of Fair Isaac's value that differs from its market value or its book value, called intrinsic value, which is Fair Isaac's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Fair Isaac's market value can be influenced by many factors that don't directly affect Fair Isaac's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Fair Isaac's value and its price as these two are different measures arrived at by different means. Investors typically determine if Fair Isaac is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Fair Isaac's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.