Fair Isaac Corporation (FICO) is a Software - Application company in the Technology sector, currently trading at $1,007.28. It has a SharesGrow Score of 78/100, indicating a strong investment profile with 6 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of FICO = $1,068.31 (+6.1% from the current price, the stock appears fairly valued). Analyst consensus target is FICO = $2,157 (+114.1% upside).
Valuation: FICO trades at a trailing Price-to-Earnings (P/E) of 38.8 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.42.
Financials: revenue is $2.0B, +13.1%/yr average growth. Net income is $652M, growing at +20.5%/yr. Net profit margin is 32.7% (strong). Gross margin is 82.2% (+4.1 pp trend).
Balance sheet: total debt is $3.1B with negative equity of -$1.7B — this means total liabilities exceed total assets. This is a warning sign that may indicate accumulated losses, aggressive share buybacks, heavy debt financing, or aggressive dividend payouts. Companies like McDonald's and Starbucks also carry negative equity due to buybacks and dividends, but investors should assess whether the business generates sufficient cash flow to service its debt and sustain payouts. Current ratio is 0.83 (tight liquidity). Debt-to-assets is 164.6%. Total assets: $1.9B.
Analyst outlook: 15 / 18 analysts rate FICO as buy (83%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 60/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 25/100 (Fail), Moat 80/100 (Pass), Future 94/100 (Pass), Income 100/100 (Pass).
