Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's credit scores business accounts for most of the firm's profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.08
Equity-to-Asset	-0.46
Debt-to-Equity	-2.74
Debt-to-EBITDA	2.94
Interest Coverage	6.75
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	13.2	Distress Grey Safe
Beneish M-Score	-2.47	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	11.3
	3-Year EBITDA Growth Rate	33.5
	3-Year EPS without NRI Growth Rate	22
	3-Year FCF Growth Rate	16.9
	Future 3-5Y EPS without NRI Growth Rate	25.17
	Future 3-5Y Total Revenue Growth Rate	12.15

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	63.48
	9-Day RSI	51.8
	14-Day RSI	47.7
	6-1 Month Momentum %	53.51
	12-1 Month Momentum %	78.52

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.31
	Quick Ratio	1.31
	Cash Ratio	0.37
	Days Sales Outstanding	84.07
	Days Payable	19.55

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	5.2
	Shareholder Yield %	1.27

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	79.5
	Operating Margin %	42.16
	Net Margin %	29.2
	FCF Margin %	31.85
	ROE %	Neg. Equity
	ROA %	29.35
	ROIC %	38.78
	ROC (Joel Greenblatt) %	391.02
	ROCE %	57.25
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	62.21
	Forward PE Ratio	42.97
	PE Ratio without NRI	57.16
	Shiller PE Ratio	122.84
	Price-to-Owner-Earnings	79.73
	PEG Ratio	1.83
	PS Ratio	18.18
	Price-to-Free-Cash-Flow	57.02
	Price-to-Operating-Cash-Flow	56.48
	EV-to-EBIT	47.34
	EV-to-Forward-EBIT	38.45
	EV-to-EBITDA	46.41
	EV-to-Forward-EBITDA	37.54
	EV-to-Revenue	20.25
	EV-to-Forward-Revenue	18.15
	EV-to-FCF	63.77
	Price-to-Projected-FCF	6.25
	Price-to-DCF (Earnings Based)	1.84
	Price-to-DCF (FCF Based)	1.83
	Price-to-Median-PS-Value	2.48
	Price-to-Peter-Lynch-Fair-Value	2.29
	Earnings Yield (Greenblatt) %	2.11
	FCF Yield %	1.79
	Forward Rate of Return (Yacktman) %	21.21

GF Value: $719.68

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