Added to YB: 2025-09-03
Pitch date: 2025-09-01
FICO [neutral]
Fair Isaac Corporation
-10.12%
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
$1.5K
Price Target
N/A
Dividend
N/A
EV/EBITDA
38.50
P/E
56.46
EV/Sales
19.03
Sector
Software
Category
growth
FICO: The Score Behind the Score
FICO (expensive): Data analytics firm owns the formula for credit scores used by 90% of largest US lenders. Scores segment (54% revenue) has 88% margins, driven by recent pricing power - mortgage application scores rose from $0.50 to $4.95. Growth: 20% Scores CAGR, Software at 6% accelerating on FICO Platform adoption. Risks: FHFA mandating VantageScore alongside FICO, mortgage cyclicality. Trading 42x NTM P/E vs 24% EPS growth expectations.
Read full article (22 min)