Fair Isaac (FICO) Financial Forecast Calculator
Interactive 5-year forecast and DCF for Fair Isaac. Adjust revenue growth, gross margin, capex intensity, WACC, and terminal growth - see revenue, free cash flow, and enterprise value update in real time. Seeded from Fair Isaac’s most recent SEC filings.
Assumptions
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Frequently asked
What does Fair Isaac Corporation (FICO) do?+
Fair Isaac Corporation (FICO) is a leading applied analytics and data decisioning company, best known for its ubiquitous FICO Score used in consumer credit risk assessment. It operates two primary segments: Scores, which acts as a toll bridge for US credit originations, and Software, which is transitioning to a cloud-based subscription model.
What are the main drivers of Fair Isaac's (FICO) revenue growth?+
Fair Isaac's revenue is primarily driven by its Scores segment, benefiting from aggressive, tier-based price increases in B2B mortgage scoring and its near-monopoly position. The Software segment's growth is fueled by its transition from legacy on-premise licenses to a cloud-based Annual Recurring Revenue (ARR) subscription model.
What is the projected revenue growth rate for Fair Isaac (FICO) in the financial model?+
The financial model forecasts Fair Isaac's revenue to grow at approximately 6.88% annually. This growth rate reflects the company's aggressive pricing power in its Scores segment and the ongoing transition of its Software segment to a SaaS-based platform.
How does Fair Isaac's (FICO) working capital profile impact its operations?+
Fair Isaac operates with consistently negative net working capital, primarily due to high deferred revenue from software subscriptions. This structure means that customer prepayments effectively fund the company's operations, indicating a strong cash flow characteristic.
What is the primary objective of the Fair Isaac (FICO) financial model?+
The financial model's main purpose is to evaluate Fair Isaac Corporation's equity valuation and its capacity for cash flow generation. It aims to determine if the company's aggressive pricing power and transition to a SaaS-based Software platform justify its premium market multiple.
What is the forecast horizon covered by the downloadable Fair Isaac (FICO) financial model?+
The downloadable Excel financial model for Fair Isaac (FICO) provides forecasts spanning from Fiscal Year 2026 through Fiscal Year 2030. This allows for a comprehensive long-term analysis of the company's projected financial performance.
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