Added to YB: 2025-09-03
Pitch date: 2025-09-01
FICO [neutral]
Fair Isaac Corporation
+22.59%
current return
Author Info
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Company Info
Fair Isaac Corporation develops software with analytics and digital decisioning technologies that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.
Market Cap
$39.8B
Pitch Price
$1.5K
Price Target
N/A
Dividend
N/A
EV/EBITDA
46.26
P/E
64.94
EV/Sales
22.01
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)