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Market Price

349.68 

3.28 1.0%

as of Aug 21 '19

52 Week Range:

170.26 371.81


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions. The company offers analytical solutions, credit scoring, and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, healthcare organizations, and public agencies. It operates through three segments: Applications, Scores, and Decision Management Software. The Applications segment offers pre-configured decision management applications designed for various business problems or processes, such as marketing, account origination, customer management, fraud, collection, and insurance claims management, as well as associated professional services. The Scores segment provides business-to-business scoring solutions and services, including myFICO solutions for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as associated professional services. The Decision Management Software segment offers analytic and decision management software tools, as well as associated professional services. The company offers a portfolio of applications, tools, and services in the cloud to clients through its FICO Analytic Cloud, FICO Decision Management Suite, and FICO Decision Management Platform. Fair Isaac Corporation markets its products and services primarily through its direct sales organization; indirect channels; subsidiary sales organizations; and resellers and independent distributors, as well as online. It operates in the United States, the United Kingdom, and internationally. 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 San Jose, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Equity (BVPS) 11.59
12.47
11.90
12.55
11.66
14.81
14.95
12.67
13.84
14.31
10.15
growth rate 7.6% -4.6% 5.5% -7.1% 27.0% 1.0% -15.3% 9.2% 3.4% -29.1%
Earnings BIT 113.00
97.57
92.30
97.46
136.24
131.98
166.15
155.75
169.59
181.67
206.44
growth rate -13.7% -5.4% 5.6% 39.8% -3.1% 25.9% -6.3% 8.9% 7.1% 13.6%
Avg.PE 14.06
16.03
17.36
12.20
17.36
22.27
26.38
32.83
33.40
40.94
52.68
growth rate 14.0% 8.3% -29.7% 42.3% 28.3% 18.5% 24.5% 1.7% 22.6% 28.7%
ROA 6.58
5.05
5.31
6.35
8.04
7.77
8.06
7.14
8.93
10.36
11.34
growth rate -23.3% 5.2% 19.6% 26.6% -3.4% 3.7% -11.4% 25.1% 16.0% 9.5%
ROE 14.88
11.20
11.99
15.22
19.58
17.93
19.26
19.40
24.77
29.37
41.26
growth rate -24.7% 7.1% 26.9% 28.7% -8.4% 7.4% 0.7% 27.7% 18.6% 40.5%
ROIC 8.99
6.87
7.37
9.50
11.58
11.19
11.52
10.71
12.57
14.65
16.14
growth rate -23.6% 7.3% 28.9% 21.9% -3.4% 3.0% -7.0% 17.4% 16.6% 10.2%
Cur. Ratio 2.86
3.86
2.84
2.48
1.24
1.50
0.85
1.18
1.09
0.95
0.80
growth rate 35.0% -26.4% -12.7% -50.0% 21.0% -43.3% 38.8% -7.6% -12.8% -15.8%
Quick Ratio 2.68
3.66
2.69
2.37
1.13
1.37
0.76
1.00
0.99
0.84
0.71
growth rate 36.6% -26.5% -11.9% -52.3% 21.2% -44.5% 31.6% -1.0% -15.2% -15.5%
Leverage 2.27
2.17
2.37
2.43
2.44
2.19
2.62
2.81
2.73
2.94
4.76
growth rate -4.4% 9.2% 2.5% 0.4% -10.3% 19.6% 7.3% -2.9% 7.7% 61.9%
Balance Sheet Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Acct.Receivable 141.60
101.70
113.20
104.97
142.60
143.73
155.30
158.77
167.79
168.59
208.87
growth rate -28.2% 11.3% -7.3% 35.8% 0.8% 8.0% 2.2% 5.7% 0.5% 23.9%
Acct.Payable 96.73
112.65
93.70
22.00
19.85
22.95
19.51
20.25
growth rate 16.5% -16.8% -76.5% -9.8% 15.6% -15.0% 3.8%
Cur.Assets 351.70
442.60
347.20
364.48
259.33
249.19
288.53
286.60
267.64
310.93
338.51
growth rate 25.9% -21.6% 5.0% -28.9% -3.9% 15.8% -0.7% -6.6% 16.2% 8.9%
Total Assets 1,275.30
1,303.90
1,123.70
1,129.47
1,158.61
1,161.55
1,192.30
1,230.16
1,220.68
1,255.62
1,255.08
growth rate 2.2% -13.8% 0.5% 2.6% 0.3% 2.7% 3.2% -0.8% 2.9% 0.0%
Cash 129.70
178.20
146.20
135.75
71.61
83.18
105.08
86.12
75.93
105.62
90.02
growth rate 37.4% -18.0% -7.2% -47.3% 16.2% 26.3% -18.0% -11.8% 39.1% -14.8%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 122.60
114.60
122.10
146.50
209.61
165.88
341.40
243.88
246.08
326.66
422.22
growth rate -6.5% 6.5% 20.0% 43.1% -20.9% 105.8% -28.6% 0.9% 32.8% 29.3%
Liabilities 713.30
703.60
648.80
663.97
684.21
630.87
737.68
793.17
773.85
829.08
991.34
growth rate -1.4% -7.8% 2.3% 3.1% -7.8% 16.9% 7.5% -2.4% 7.1% 19.6%
LT Debt 570.00
570.00
512.00
504.00
455.00
447.00
376.00
516.00
493.62
462.80
528.94
growth rate 0.0% -10.2% -1.6% -9.7% -1.8% -15.9% 37.2% -4.3% -6.2% 14.3%
Equity 561.90
600.30
474.90
465.49
474.41
530.68
454.61
437.00
446.83
426.54
263.74
growth rate 6.8% -20.9% -2.0% 1.9% 11.9% -14.3% -3.9% 2.3% -4.5% -38.2%
Common Shares 49.00
49.00
45.00
40.00
36.00
36.00
35.00
0.31
0.31
0.30
0.29
growth rate 0.0% -8.2% -11.1% -10.0% 0.0% -2.8% -99.1% -1.3% -2.3% -4.0%
Cash Flow Statement Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Capital Expenditures 21.30
10.00
15.20
14.02
25.48
24.15
12.59
25.00
21.97
19.83
31.30
growth rate -53.1% 52.0% -7.8% 81.8% -5.2% -47.9% 98.6% -12.1% -9.8% 57.9%
Cash Dividends 3.90
3.90
3.60
3.14
2.80
2.82
2.71
2.51
2.49
1.24
growth rate 0.0% -7.7% -12.8% -10.7% 0.8% -3.9% -7.6% -0.8% -50.3%
Cash From OA 159.20
151.60
105.80
136.16
129.75
136.12
175.03
146.77
210.27
225.64
223.05
growth rate -4.8% -30.2% 28.7% -4.7% 4.9% 28.6% -16.2% 43.3% 7.3% -1.2%
FCF per Share 2.76
2.82
1.95
3.05
3.04
2.69
3.62
4.08
5.84
4.79
5.97
growth rate 2.2% -30.9% 56.4% -0.3% -11.5% 34.6% 12.7% 43.1% -18.0% 24.6%
Sale Purchase of Stock -83.81
-120.26
-42.65
18.85
18.26
17.83
14.47
growth rate 0.0% 0.0% 100.0% -3.2% -2.4% -18.8%
FCF 136.00
138.00
88.00
122.00
104.00
112.00
162.00
108.00
163.00
206.00
192.00
growth rate 1.5% -36.2% 38.6% -14.8% 7.7% 44.6% -33.3% 50.9% 26.4% -6.8%
Income Statement Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Sales 744.80
630.70
605.60
619.68
676.42
743.44
788.99
838.78
881.36
932.17
1,032.48
growth rate -15.3% -4.0% 2.3% 9.2% 9.9% 6.1% 6.3% 5.1% 5.8% 10.8%
Op.Income 122.30
116.70
113.30
71.56
92.00
90.10
166.15
155.75
169.59
181.67
206.44
growth rate -4.6% -2.9% -36.8% 28.6% -2.1% 84.4% -6.3% 8.9% 7.1% 13.6%
IBT 113.00
97.60
92.30
97.46
136.24
131.98
133.13
109.24
144.57
151.32
188.01
growth rate -13.6% -5.4% 5.6% 39.8% -3.1% 0.9% -18.0% 32.3% 4.7% 24.2%
Net Income 84.00
65.10
64.50
71.56
92.00
90.10
94.88
86.50
109.45
128.26
142.42
growth rate -22.5% -0.9% 11.0% 28.6% -2.1% 5.3% -8.8% 26.5% 17.2% 11.0%
EPS 1.70
1.33
1.42
1.79
2.55
2.48
2.72
2.65
3.39
3.98
4.57
growth rate -21.8% 6.8% 26.1% 42.5% -2.8% 9.7% -2.6% 27.9% 17.4% 14.8%
Gross Profit 469.90
424.30
424.70
433.21
478.48
513.98
539.70
568.25
616.18
645.05
721.78
growth rate -9.7% 0.1% 2.0% 10.5% 7.4% 5.0% 5.3% 8.4% 4.7% 11.9%
R&D 77.80
73.60
73.60
62.13
59.53
66.97
83.44
98.82
103.67
110.87
128.38
growth rate -5.4% 0.0% -15.6% -4.2% 12.5% 24.6% 18.4% 4.9% 7.0% 15.8%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 48.38
70.08
49.00
48.55
85.71
growth rate 44.9% -30.1% -0.9% 76.5%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 182.42
208.87
247.57
271.63
318.04
growth rate 14.5% 18.5% 9.7% 17.1%
Acct.Payable 25.51
20.25
20.39
16.25
19.61
growth rate -20.6% 0.7% -20.3% 20.7%
Cur.Assets 335.29
338.51
375.84
397.00
435.06
growth rate 1.0% 11.0% 5.6% 9.6%
Total Assets 1,287.07
1,255.08
1,305.63
1,328.11
1,373.80
growth rate -2.5% 4.0% 1.7% 3.4%
Cash 119.93
90.02
79.90
76.89
78.81
growth rate -24.9% -11.3% -3.8% 2.5%
Inventory
growth rate
Cur.Liabilities 397.21
422.22
433.35
436.62
457.71
growth rate 6.3% 2.6% 0.8% 4.8%
Liabilities 992.43
991.34
1,077.73
1,080.63
1,105.48
growth rate -0.1% 8.7% 0.3% 2.3%
LT Debt 556.71
528.94
604.16
604.37
604.58
growth rate -5.0% 14.2% 0.0% 0.0%
Equity 294.64
263.74
227.90
247.48
268.32
growth rate -10.5% -13.6% 8.6% 8.4%
Common Shares 0.29
0.29
0.29
0.29
0.29
growth rate -1.0% 0.3% 0.0% -0.7%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 13.11
7.08
6.47
4.17
7.53
growth rate -46.0% -8.6% -35.6% 80.5%
Cash Dividends
growth rate
Cash From OA 85.08
59.96
48.86
47.79
68.29
growth rate -29.5% -18.5% -2.2% 42.9%
Sale Purchase of Stock 0.79
growth rate
FCF 71.97
52.88
42.38
43.62
60.76
growth rate -26.5% -19.9% 2.9% 39.3%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 259.51
279.79
262.26
278.23
314.25
growth rate 7.8% -6.3% 6.1% 12.9%
Op.Income 48.38
70.08
49.00
48.55
85.71
growth rate 44.9% -30.1% -0.9% 76.5%
IBT 41.74
71.51
37.16
39.97
78.05
growth rate 71.3% -48.0% 7.6% 95.3%
Net Income 32.36
50.48
40.01
33.38
64.15
growth rate 56.0% -20.8% -16.6% 92.2%
EPS
growth rate
Gross Profit 181.12
200.36
186.19
192.67
227.03
growth rate 10.6% -7.1% 3.5% 17.8%
R&D 32.48
34.41
35.43
37.68
36.97
growth rate 5.9% 3.0% 6.4% -1.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (42.91)

YOY Growth Grade:

E (33.28)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 56.56 70.57 33.40
EPS / Growth 15.5% 4.96 13.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 9.8% 9.8%
Future PE 2.00 36.55 36.55
Future EPS 5.47 12.67 12.67
Value Price
MOS %
2.71
-99.2%
114.43
-67.3%
114.43
-67.3%
MOS Price 1.35 57.21 57.21
IRT 53.25 21.20 21.20

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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