Founded in 1956, Fair Isaac Corporation, or FICO, established itself as the industry leader in credit scores, which turned out to be a very lucrative business. Credit scores are used for more than just individual lending decisions; they are benchmarks used by investors, lenders, and the industry overall.
FICO scores are an industry standard, and the firm has a long runway to increase prices given they are a small cost but critical offering for lenders.
Fair Isaac trades at a large premium to the credit bureaus and market overall, which could result in the stock seeing an outsize drop during a decline in sentiment.
|
Metric
|
FICO
|
EFX
|
TRU
|
|---|---|---|---|
Price/Earnings (Normalized) | 87.27 | 42.58 | 29.25 |
Price/Book Value | — | 7.72 | 4.98 |
Price/Sales | 29.50 | 6.68 | 5.16 |
Price/Cash Flow | 79.32 | 30.05 | 26.26 |
|
Metric
|
FICO
|
EFX
|
TRU
|
|---|---|---|---|
Quick Ratio | 1.76 | 0.67 | 1.42 |
Current Ratio | 1.87 | 0.79 | 1.66 |
Interest Coverage | 7.03 | 4.18 | 0.58 |
|
Metric
|
FICO
|
EFX
|
TRU
|
|---|---|---|---|
Return on Assets (Normalized) | 34.22% | 5.38% | 6.32% |
Return on Equity (Normalized) | — | 14.61% | 17.19% |
Return on Invested Capital (Normalized) | 49.78% | 8.13% | 9.40% |
|
1-Day Chart
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Name
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Price
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Morningstar Rating for Stocks
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Capital Allocation
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Economic Moat
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Market Cap
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United States