ScoreWhy is Fair Isaac Corp. ?
1
With a Negative Book Value, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net Sales has grown by an annual rate of 9.50% over the last 5 years
- High Debt Company with a Debt to Equity ratio (avg) at times
2
Negative results in Jun 25
- DEBT-EQUITY RATIO (HY) Highest at -186.89 %
3
Risky - Negative Book Value
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -16.86%, its profits have risen by 20.1% ; the PEG ratio of the company is 11.9
4
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 14.11% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -16.86% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Fair Isaac Corp. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Fair Isaac Corp.
-37.83%
0.83
47.42%
S&P 500
25.41%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.53%
EBIT Growth (5y)
21.54%
EBIT to Interest (avg)
8.05
Debt to EBITDA (avg)
2.68
Net Debt to Equity (avg)
-2.12
Sales to Capital Employed (avg)
1.34
Tax Ratio
17.78%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
95.79%
ROCE (avg)
53.96%
ROE (avg)
137.80%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
129
Industry P/E
Price to Book Value
-47.54
EV to EBIT
89.86
EV to EBITDA
88.48
EV to Capital Employed
72.54
EV to Sales
43.14
PEG Ratio
5.12
Dividend Yield
NA
ROCE (Latest)
80.73%
ROE (Latest)
Negative BV
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 907.33 MM
INTEREST COVERAGE RATIO(Q)
Highest at 911.53
RAW MATERIAL COST(Y)
Fallen by -5.38% (YoY
CASH AND EQV(HY)
Highest at USD 381.45 MM
NET SALES(Q)
Highest at USD 691.68 MM
OPERATING PROFIT(Q)
Highest at USD 406.35 MM
OPERATING PROFIT MARGIN(Q)
Highest at 58.75 %
PRE-TAX PROFIT(Q)
Highest at USD 356.44 MM
NET PROFIT(Q)
Highest at USD 264.76 MM
EPS(Q)
Highest at USD 11.14
-7What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at -163.55 %
INTEREST(Q)
Highest at USD 44.58 MM
Here's what is working for Fair Isaac Corp.
Operating Cash Flow
Highest at USD 907.33 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
At USD 691.68 MM has Grown at 34.12%
over average net sales of the previous four periods of USD 515.72 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Interest Coverage Ratio
Highest at 911.53
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Sales
Highest at USD 691.68 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 406.35 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 58.75 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 356.44 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 356.44 MM has Grown at 67.08%
over average net sales of the previous four periods of USD 213.34 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 264.76 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 264.76 MM has Grown at 59.34%
over average net sales of the previous four periods of USD 166.16 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 11.14
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 381.45 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -5.38% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Fair Isaac Corp.
Debt-Equity Ratio
Highest at -163.55 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Interest
Highest at USD 44.58 MM
in the last five periods and Increased by 6.13% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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