FICO Fair Isaac
Intrinsic value$652.05
Price (at call)$1,001.50
Margin of safety
-34.9%
vs market (rating basis)
+33.2%
Model unavailable; showing baseline valuation.
⚠ LLM error: empty response; using baseline
The story
Value drivers
| Revenue growth (Y1) | 13.1% |
| Terminal growth | 3.5% |
| Forecast horizon | 10y |
| Target operating margin | 41.1% |
| Years to target margin | 5 |
| Sales-to-capital | 1.83 |
| Beta | 1.32 |
| Failure probability | 0.0% |
| Cost of capital (WACC) | 10.2% |
| Terminal WACC | 9.0% |
Valuation bridge
| PV of explicit FCFF | 7.32B |
| PV of terminal value | 9.68B |
| Equity value | 14.08B |
| ÷ shares → per share | $652.05 |
News
bearish -0.30 · 8 articles
- Is Fair Isaac Stock Underperforming the Dow?
- 3 Services Stocks with Competitive Advantages
- AI Agents Are About to Start Spending Your Money. 5 Stocks Sitting in the Line of Fire.
- 3 Quality Compounders Worth Your Attention
- FICO’s Monopoly Cracks, But the Dip Could Be a Gift for Patient Investors
- FICO Stock Falls Pre-Market After Bill Pulte Declares ‘No More’ to FICO’s Mortgage Scoring Monopoly — Orders Fannie Mae, Freddie Mac to Open Door to VantageScore (UPDATED)
- One Regulator Just Ended Fair Isaac’s (FICO) Mortgage Monopoly. The Stock Fell 16% – Is It Justified?
- Has Fair Isaac (FICO) Fallen Into Reasonable Territory After FHFA?
Projected free cash flow to the firm
| Yr | Revenue | Growth | Margin | NOPAT | Reinvest | FCFF | PV |
|---|---|---|---|---|---|---|---|
| 1 | 2.71B | 13.1% | 50.1% | 1.10B | 171.18M | 929.20M | 843.04M |
| 2 | 3.03B | 12.0% | 47.8% | 1.18B | 177.81M | 999.81M | 822.99M |
| 3 | 3.36B | 10.9% | 45.6% | 1.25B | 181.52M | 1.06B | 794.68M |
| 4 | 3.70B | 9.9% | 43.4% | 1.30B | 181.81M | 1.12B | 758.85M |
| 5 | 4.02B | 8.8% | 41.1% | 1.34B | 178.28M | 1.17B | 716.47M |
| 6 | 4.33B | 7.8% | 41.1% | 1.45B | 170.60M | 1.28B | 712.42M |
| 7 | 4.62B | 6.7% | 41.1% | 1.54B | 158.61M | 1.39B | 701.44M |
| 8 | 4.88B | 5.6% | 41.1% | 1.63B | 142.33M | 1.49B | 683.77M |
| 9 | 5.11B | 4.6% | 41.1% | 1.71B | 121.93M | 1.58B | 659.88M |
| 10 | 5.28B | 3.5% | 41.1% | 1.77B | 97.79M | 1.67B | 630.38M |