Added to YB: 2025-07-01
Pitch date: 2025-06-28
FICO [neutral]
Fair Isaac Corporation
-25.79%
current return
Author Info
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Company Info
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.
Market Cap
$36.3B
Pitch Price
$1.8K
Price Target
N/A
Dividend
N/A
EV/EBITDA
38.50
P/E
56.46
EV/Sales
19.03
Sector
Software
Category
growth
Show full summary:
Fair Isaac Corporation - $FICO
FICO (overvalued): Credit scoring monopoly (90% of US lending decisions) with 88-89% operating margins. Scores = 53% of revenue (19% growth) but 75% of profit. Software segment growing via SaaS transition (31% platform ARR growth). VantageScore breaking mortgage exclusivity in 2025 is key risk. Trades at 89x P/E despite 'only' 13% revenue growth - likely overvalued.
Read full article (37 min)