企業概要
Fair Isaac Corporation is a leading provider of analytics software solutions operating across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The enterprise operates primarily within the Technology sector and specifically targets the Software - Application industry, delivering predictive scoring solutions and software tools that enable clients to assess creditworthiness and optimize business operations. As of the latest available data, the company commands a substantial market capitalization of $25.44B and generates annual revenue reaching $2.06B, while employing a workforce of 3,762 individuals globally. These financial magnitudes indicate that Fair Isaac Corporation holds a significant position in the specialized software market, reflecting robust demand for its proprietary algorithms in critical sectors such as banking and lending. The scale of operations, evidenced by the multi-billion dollar valuation and substantial revenue stream, underscores the company's established role as a key infrastructure provider for global financial institutions seeking data-driven decision-making capabilities.
財務健全性
The company reported a trailing twelve-month revenue of $2.06B with a corresponding net income of $657.79M and an EBITDA figure of $1.01B. The substantial gap between the total revenue and the net income reveals a cost structure where operating expenses, while significant, are managed efficiently to preserve a high degree of profitability. Free cash flow stands at $573.16M, indicating strong financial flexibility that allows the firm to fund operations, invest in research and development, or manage debt obligations without immediate reliance on external financing. The company demonstrates exceptional margin expansion capabilities, with a gross margin of 82.9%, an operating margin of 45.7%, and a profit margin of 31.9%, all of which highlight the scalability and high-value nature of its software-based business model. On the balance sheet, the company holds $162.03M in cash against total debt of $3.21B, resulting in a debt-to-equity ratio that is not explicitly calculated in standard terms but indicates a leveraged capital structure relative to cash on hand. The current ratio is recorded at 0.93, suggesting that short-term current assets are slightly lower than current liabilities, which implies a need for careful working capital management or reliance on cash generation to meet near-term obligations. Return on Equity is listed as N/A, while Return on Assets is an impressive 34.8%, signaling highly effective management in utilizing asset base to generate earnings.
バリュエーション評価
Fair Isaac Corporation is currently valued with a trailing twelve-month P/E ratio of 39.69 and a forward P/E ratio of 20.13. The significant disparity between the high trailing P/E and the much lower forward P/E implies that the market expects a substantial acceleration in earnings growth or that the current stock price is priced assuming a major turnaround in profitability metrics. The price-to-book ratio is reported at -14.09, a metric that typically indicates an accounting anomaly or specific capital structure nuances, suggesting the market does not value the company strictly based on traditional book value multiples. Alternative valuation metrics such as the price-to-sales ratio of 12.33 and an EV/EBITDA of 28.33 suggest that the stock is priced at a premium relative to its sales and earnings generation capabilities, reflecting investor confidence in its long-term dominance. In terms of price action, the stock has a 52-week high of $2,217.60 and a 52-week low of $969.32, meaning the current trading price sits within a wide historical range but remains sensitive to market sentiment. The beta of 1.38 indicates that the stock's price volatility is significantly higher than the broader market, making it more susceptible to market swings and requiring a higher risk premium from investors.
Growth & Income
Revenue growth for the trailing twelve months is recorded at 16.4%, while earnings growth stands at 7.7%, indicating that revenue expansion is currently outpacing earnings growth. This divergence suggests that the company may be facing margin compression due to increased costs or that earnings are being impacted by one-time expenses, though the high margins generally support the ability to reinvest heavily in growth initiatives. The company does not pay dividends, as evidenced by a dividend yield of N/A and a payout ratio of 0.0%, meaning that all generated earnings are retained and reinvested back into the business to fund organic growth and technological advancements rather than being distributed to shareholders. Consequently, the overall growth and income profile is characterized by a focus on capital appreciation through retained earnings rather than income generation via dividends, catering to growth-oriented investors who prioritize expansion over current yield.