Fair Isaac FICO
Fair Isaac Corporation (FICO) is a technology company that provides analytics and decision management software, its most well-known product being the FICO credit score, used by lenders to assess consumer risk. FICO shows strong growth (revenue +25.7%, earnings +41.2%) and exceptional quality (operating margin 53.79%), but its net debt/EBITDA of 4.23 is high and momentum is negative (score 2.68).
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Fair Isaac Corporation (FICO) is a technology company that provides analytics and decision management software, its most well-known product being the FICO credit score, used by lenders to assess consumer risk. FICO shows strong growth (revenue +25.7%, earnings +41.2%) and exceptional quality (operating margin 53.79%), but its net debt/EBITDA of 4.23 is high and momentum is negative (score 2.68).
Score by category
| Category | Score |
|---|---|
| Financial health | 5.6 |
| Quality / Moat | 8.6 |
| Valuation | 6.8 |
| Growth | 8.8 |
| Dividend | 1.5 |
| Momentum | 2.7 |
| Risk & Context | 4.3 |
OVERALL SCORE: 6.4/10
Context and risks
Regulatory risk in the financial technology sector, with potential pressure on credit score pricing. Exposure to the FHA introduces sensitivity to changes in government policies.
News considered in the analysis
- Can OneTru Help TransUnion Sustain Its Growth Momentum? — Ruido de un competidor sin impacto directo en los fundamentales de FICO.
- AFRM Stock Rises Overnight: Affirm CEO Says AI Won’t Put Human Underwriters ‘Out Of Business’ — Noticia de un competidor en el sector de préstamos, sin impacto directo en FICO.
- FICO Stock Has Fallen 43% From Its Peak. Does the Selloff Make Sense? — Análisis de la caída del precio, sin información nueva sobre los fundamentales.
- How Investors Are Reacting To Fair Isaac (FICO) Making FICO Score 10T Free For FHA Lenders — La decisión de hacer gratuito el Score 10T para prestamistas de la FHA puede impulsar la adopción a largo plazo, aunque podría presionar los ingresos a corto plazo.
- Fair Isaac (FICO) Could Be 34% Undervalued As FHA Mortgage Score Expansion Nears — La expansión del uso del score en hipotecas de la FHA es una oportunidad de crecimiento material, aunque aún no está totalmente descontada en el precio.
Verdict: Hold; the growth opportunity in FHA mortgages is real, but debt and weak momentum limit near-term upside.
Main risk: The main risk is the high net debt/EBITDA of 4.23, which could be a drag if interest rates remain high or if growth decelerates.
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