Fair Isaac Corp.

Fair Isaac Corp.

FICO

Market Cap$46.61B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Fair Isaac Corp.Fair Isaac Corp.85.5--45%26.8-2.3

Earnings Call Q1 2025

February 4, 2025 - AI Summary

Strong Financial Performance: FICO reported Q1 revenues of $440 million, reflecting a 15% year-over-year increase. GAAP net income reached $153 million, marking a significant 26% increase compared to the prior year, with GAAP earnings per share of $6.14, up 28%. Non-GAAP net income also grew by 19% year-over-year, indicating robust operational health.
Guidance Reiteration Amid Economic Uncertainty: The company is reiterating its fiscal 2025 guidance, indicating confidence in its revenue and profit forecasts despite a fluid macroeconomic environment. FICO anticipates continued demand in its Scores business, particularly in mortgage originations, which increased 110% year-over-year in Q1 and represents a crucial revenue stream.
Challenging Mortgage Environment: While mortgage origination revenues saw a significant increase, there are lingering concerns regarding the overall mortgage environment. The FHFA’s decision to postpone implementation of a two-score system raises uncertainty, although FICO remains confident in its relevance and market position, suggesting potential stability amidst regulatory changes.

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Target Price by Analysts

20.1% upsideFair Isaac Target Price DetailsTarget Price
$351.93

Current Fair Value

81.2% downside

Overvalued by 81.2% based on the discounted cash flow analysis.

Share Statistics

Market cap$46.61 Billion
Enterprise Value$49.03 Billion
Dividend Yield$0 (0%)
Earnings per Share$20.78
Beta1.37
Outstanding Shares24,378,000

Return

Return on Equity-
Return on Assets-
Return on Invested Capital-

Valuation & Multiples

P/E Ratio85.49
PEG253.03
Price to Sales26.76
Price to Book Ratio-39.85
Enterprise Value to Revenue28.55
Enterprise Value to EBIT66.52
Enterprise Value to Net Income95
Total Debt to Enterprise0.05
Debt to Equity-2.29

Revenue Sources

No data

Insider Trades

ESG Score

No data

About Fair, Isaac Corp.

CEO: William Lansing