公司概述
Fair Isaac Corporation operates as a leading provider of analytics software, delivering predictive scoring solutions and services across the Americas, Europe, the Middle East, Africa, and the Asia Pacific regions. The company functions within the Technology sector, specifically categorized under the Software - Application industry, which signifies its focus on delivering intangible digital tools that enhance operational efficiency and decision-making capabilities for enterprise clients. In terms of scale, the company holds a market capitalization of $25.44B and generates annual revenue of $2.06B, supported by an employee base of 3762 individuals. These valuation and revenue figures indicate that Fair Isaac Corporation maintains a substantial market presence, commanding a significant equity value that reflects investor confidence in its recurring software revenue streams and established client relationships globally.
财务健康
The company reported a trailing twelve-month revenue of $2.06B and a corresponding net income of $657.79M, resulting in an EBITDA of $1.01B. The substantial gap between the $2.06B revenue and the $657.79M net income reveals a highly efficient cost structure where operating expenses consume approximately 68.1% of total revenue, yet the remaining earnings remain robust. The company generated $573.16M in free cash flow, which demonstrates strong financial flexibility by indicating that the business generates sufficient cash from operations to cover capital expenditures and fund growth initiatives without relying on external financing. Profitability is underscored by a gross margin of 82.9%, an operating margin of 45.7%, and a profit margin of 31.9%, where each metric collectively highlights the company's ability to retain a large portion of revenue after covering variable costs, operating expenses, and taxes. On the balance sheet, the company holds $162.03M in cash against $3.21B in debt, with a debt-to-equity ratio listed as N/A, suggesting a leveraged capital structure where debt obligations significantly exceed liquid cash reserves. The current ratio stands at 0.93, indicating that the company's current assets are slightly below its current liabilities, which points to a need for careful management of short-term liquidity to meet upcoming obligations. Additionally, the return on assets is 34.8% while the return on equity is N/A, revealing that management is highly effective at utilizing the company's asset base to generate income, though the absence of an ROE figure precludes a direct assessment of equity-specific returns.
估值评估
Fair Isaac Corporation trades with a trailing P/E ratio of 39.69 and a forward P/E of 20.13, where the significant difference between these two metrics implies that the market expects earnings to grow substantially in the future to justify the current high valuation multiple. The price-to-book ratio is -14.09, a figure that indicates the market is pricing the company significantly above its book value, reflecting intangible assets like software and brand equity that are not captured on the balance sheet. Alternative valuation metrics further characterize the stock, with a price-to-sales ratio of 12.33 and an EV/EBITDA of 28.33, suggesting that investors are willing to pay a premium for every dollar of sales and earnings generated relative to peers. The stock has historically ranged between a 52-week high of $2217.60 and a 52-week low of $969.32, providing a context for price volatility and trading bands relative to recent historical performance. The beta value of 1.38 indicates that the stock exhibits higher price volatility relative to the broader market, meaning it tends to move with greater intensity than the overall market index during periods of fluctuation.
Growth & Income
Revenue growth is reported at 16.4% year-over-year, while earnings growth stands at 7.7%, indicating that earnings are growing at a slower pace than revenue, which may imply increasing cost pressures or margin compression as the revenue base expands. The company does not pay dividends, evidenced by a dividend yield of N/A and a payout ratio of 0.0%, which signifies that the firm reinvests all generated earnings back into the business for research, development, and market expansion rather than distributing cash to shareholders. Consequently, the overall growth and income profile is characterized by capital appreciation potential driven by organic revenue expansion and operational scaling, rather than income generation through dividend payments. This reinvestment strategy aligns with the company's position as a growth-oriented technology firm focused on long-term market share acquisition and technological advancement.