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Upturn AI SWOT - About
FICO 
Fair Isaac Corporation (FICO)
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Upturn Advisory Summary
07/03/2025: FICO (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $2196.55
1 Year Target Price $2196.55
| 7 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 51.69% | Avg. Invested days 72 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 45.16B USD | Price to earnings Ratio 79.9 | 1Y Target Price 2196.55 |
Price to earnings Ratio 79.9 | 1Y Target Price 2196.55 | ||
Volume (30-day avg) 19 | Beta 1.29 | 52 Weeks Range 1484.29 - 2402.51 | Updated Date 07/3/2025 |
52 Weeks Range 1484.29 - 2402.51 | Updated Date 07/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 23.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.36% | Operating Margin (TTM) 49.25% |
Management Effectiveness
Return on Assets (TTM) 28.7% | Return on Equity (TTM) 35.62% |
Valuation
Trailing PE 79.9 | Forward PE 50.51 | Enterprise Value 47258733498 | Price to Sales(TTM) 24.54 |
Enterprise Value 47258733498 | Price to Sales(TTM) 24.54 | ||
Enterprise Value to Revenue 25.68 | Enterprise Value to EBITDA 56.75 | Shares Outstanding 24341700 | Shares Floating 23647708 |
Shares Outstanding 24341700 | Shares Floating 23647708 | ||
Percent Insiders 2.54 | Percent Institutions 89.84 |
Upturn AI SWOT
Fair Isaac Corporation
Company Overview
History and Background
Fair Isaac Corporation (FICO), founded in 1956, revolutionized credit risk assessment with the FICO score, becoming a standard for lenders. It has expanded into analytics, software, and decision management solutions.
Core Business Areas
- Scores: Provides credit scores used by lenders to assess credit risk. This includes the FICO Score and related products.
- Software: Offers decision management software platforms and applications used by businesses to automate and improve decision-making processes across various industries.
Leadership and Structure
CEO: William J. Lansing. The organizational structure includes business units focused on scores and software, supported by functional departments like finance, technology, and marketing.
Top Products and Market Share
Key Offerings
- FICO Score: The dominant credit scoring model used by lenders in the U.S. Market share is estimated to be over 90% in the mortgage lending industry. Competitors include VantageScore (TransUnion, Equifax, Experian) who has a market share of 10%.
- FICO Platform: A decision management platform used by businesses to automate and optimize decision-making across the customer lifecycle. FICO does not publish the specific revenue generated. Competitors include Experian, Equifax, and TransUnion who are also decisioning platform providers.
Market Dynamics
Industry Overview
The credit risk assessment and decision management industry is growing, driven by increasing data availability and the need for automated, data-driven decision making. The industry serves financial services, retail, telecommunications, and government sectors.
Positioning
FICO is the leader in credit scoring and a significant player in decision management software. Its competitive advantage lies in its established brand, proprietary algorithms, and extensive data assets.
Total Addressable Market (TAM)
The global credit risk management market is projected to reach $25 billion by 2027. FICO is well positioned to capture a significant portion of this TAM with its established products and expanding offerings.
Upturn SWOT Analysis
Strengths
- Dominant market share in credit scoring
- Strong brand recognition and reputation
- Proprietary algorithms and data assets
- Established relationships with lenders
Weaknesses
- Reliance on the U.S. credit market
- Vulnerability to regulatory changes
- Potential disruption from alternative credit scoring models
- Can be slow to innovate compared to smaller companies
Opportunities
- Expanding into new geographic markets
- Developing new scoring models for alternative data
- Growing demand for decision management software
- Acquisitions to expand product portfolio
Threats
- Increasing competition from alternative credit scoring models
- Regulatory changes that could impact credit scoring practices
- Economic downturns that could reduce lending activity
- Data breaches and security risks
Competitors and Market Share
Key Competitors
- TRI
- EFX
- ACIW
Competitive Landscape
FICO's advantages include its dominant market share in credit scoring, strong brand recognition, and proprietary algorithms. Disadvantages include reliance on the U.S. credit market and potential disruption from alternative credit scoring models.
Major Acquisitions
Quadagno
- Year: 2016
- Acquisition Price (USD millions): 185
- Strategic Rationale: Acquired for collection and recovery software to bolster FICO's fraud, security and compliance offerings.
Growth Trajectory and Initiatives
Historical Growth: FICO has experienced steady revenue and earnings growth over the past decade, driven by the increasing demand for credit scoring and decision management solutions.
Future Projections: Analysts project continued revenue and earnings growth for FICO, driven by expansion into new markets and product innovation.
Recent Initiatives: Recent initiatives include expanding the FICO Platform, developing new scoring models for alternative data, and acquiring companies to expand its product portfolio.
Summary
FICO is a strong company with a dominant position in the credit scoring market. Its solid financial performance and growth trajectory is a testament to its continued success. However, FICO needs to innovate to address potential disruptions and navigate regulatory changes, all while maintaining its competitive advantages.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fair Isaac Corporation
Exchange NYSE | Headquaters Bozeman, MT, United States | ||
IPO Launch date 1987-07-22 | President, CEO & Director Mr. William J. Lansing J.D. | ||
Sector Technology | Industry Software - Application | Full time employees 3718 | Website https://www.fico.com |
Full time employees 3718 | Website https://www.fico.com | ||
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. The company operates in two segments, Scores and Software. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. It offers FICO® Decision Modeler and FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, FICO Decision Optimizer, FICO TRIAD Customer Manager, FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, FICO Analytic Services, FICO Advisors, and FICO Blaze Advisor, as well as software implementation and configuration services. The company markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
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