Fair Isaac Corporation

Valuation Analysis

About the Company

Fair Isaac Corporation en bref

Fair Isaac Corporation (FICO) is currently trading at 955,50 € with a market capitalization of 22,2 Md €. The trailing P/E ratio stands at 34.74x, with a forward P/E of 20.14x. The 52-week range spans from 758,44 € to 1 741,79 €; the current price is 45.1% below the yearly high. Year-over-year revenue growth stands at +38.7%. The net profit margin stands at 33.67%.

💰 Dividende

Fair Isaac Corporation currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Avis des analystes

20 analystes évaluent Fair Isaac Corporation (FICO) au consensus : Acheter. L'objectif de cours moyen est de 1 337,72 €, soit un potentiel de +40% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 616,34 € à 2 092,23 €.

Fair Isaac Corporation : la thèse d'investissement en détail

Fair Isaac Corporation (FICO) operates in the Technology — specifically Software - Application — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Top-line momentum is unusually strong with revenue expanding 38.7% year-over-year, a pace that puts the company well above the market average and signals genuine demand traction rather than mere cyclical tailwind. With a gross margin near 84.17%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Free cash flow is positive and net margins stand at 33.67%, meaning reported earnings translate into real cash that can fund buybacks, dividends or strategic acquisitions.

Le scénario baissier

Our valuation screen flags the stock as overvalued — current multiples imply the business needs to deliver well above its recent trajectory to justify the price.

Valorisation en contexte

With a PEG ratio of 0.8, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity. The EV/EBITDA multiple of 26.61x reflects rich expectations — historically, multiples at this level have proven hard to maintain for more than a few quarters.

À surveiller

• The forward P/E of 20.14x is meaningfully below the trailing 34.74x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 40% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Profil de risque

The data points to market-like volatility, elevated short interest (9.65%).

Trading Data

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