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Fair Isaac Corporation

FICO
78
Software - Application · Technology
Also trades as: 0TIQ.L GBP 6.81 (-3.44%)
Price
$667.58
-39.85 (-5.63%)
Market Cap
$14.42B
Winston Score
78
Winston is happy
A high-quality business with solid fundamentals.
Data as of Oct 10, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Exceptional
29/30
Growth
Exceptional
20/20
Cash Flow
Exceptional
10/10
Stability
Good
5/10
Valuation
Strong
7/10
Ownership
Mixed
6/15
Dividends
Weak
1/5

78 of 100 counted points = Winston Score 78.

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Share count falling — buybacks

−16.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 29.3M (2021) → 24.6M (2025)

§Winston Score History

The full picture

Fair Isaac Corporation, known as FICO, is best known for creating the FICO Score — the three-digit credit score that most U.S. lenders use to decide whether to approve loans, mortgages, and credit cards. Almost every major bank, credit card company, and mortgage lender in the United States relies on FICO's scoring models. The company also sells software that helps businesses detect fraud, manage risk, and make automated decisions.

FICO makes money two ways: by licensing its scoring technology to credit bureaus and lenders, and by selling software subscriptions to financial institutions and other large companies. It operates mainly in the United States but has a growing international presence. Its moat is strong because the FICO Score is deeply embedded in U.S. lending regulations and consumer expectations, making it very hard to replace. The main risk is that regulators or large lenders could push to adopt alternative credit scoring models, which would reduce FICO's pricing power over time.

Politician Trades

22 trades / 12mo

11 Congressional buys and 11 sells on FICO in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+25.7% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+39.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$188M/ year

↑ Rising (+10% vs prior year)

9.5% of revenue

Below sector average (15%)

R&D investment increasing — building for the future

Insider Activity

3.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$248M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Fair Isaac Corporation grew revenue 26% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
87.1%
Premium pricing power — 87.1% gross margin
Profit after running costs
Operating Margin
53.8%
Excellent — 53.8% operating margin
Return on the money invested
ROCE
24.2%
Exceptional — 24.2% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth
Sales YoY
+24.1%
Fast-growing sales (+24.1% YoY)
Profit growth
EPS YoY
+34.1%
Earnings growing fast (+34.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash
Cash Conversion
123%
Turns 123% of profit into real cash
Spare cash per sale
FCF Margin
41.6%
Converts sales into free cash efficiently (41.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
N/A
—
Data not available
Covers its interest
Interest Cover
18.57x
Comfortably covers interest (18.6x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
19.2x
Fair value — P/E 19.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+5.1
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (19.2 → 14.1)

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Dividends

Dividend
Dividend Yield
0.01%
Small dividend — 0.01% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+0.0%
Dividend flat

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