Intrinsic value of Fair Isaac - FICO

Previous Close

$206.27

  Intrinsic Value

$69.81

stock screener

  Rating & Target

str. sell

-66%

Previous close

$206.27

 
Intrinsic value

$69.81

 
Up/down potential

-66%

 
Rating

str. sell

We calculate the intrinsic value of FICO stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2017), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 6.4

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  5.80
  5.72
  5.65
  5.58
  5.52
  5.47
  5.43
  5.38
  5.34
  5.31
  5.28
  5.25
  5.23
  5.20
  5.18
  5.16
  5.15
  5.13
  5.12
  5.11
  5.10
  5.09
  5.08
  5.07
  5.06
  5.06
  5.05
  5.05
  5.04
  5.04
Revenue, $m
  986
  1,042
  1,101
  1,163
  1,227
  1,294
  1,364
  1,438
  1,515
  1,595
  1,679
  1,768
  1,860
  1,957
  2,058
  2,164
  2,276
  2,393
  2,515
  2,644
  2,778
  2,920
  3,068
  3,224
  3,387
  3,558
  3,738
  3,927
  4,124
  4,332
Variable operating expenses, $m
  792
  833
  875
  919
  965
  1,014
  1,064
  1,117
  1,172
  1,230
  1,208
  1,272
  1,338
  1,408
  1,481
  1,557
  1,637
  1,721
  1,809
  1,902
  1,999
  2,100
  2,207
  2,319
  2,436
  2,560
  2,689
  2,825
  2,967
  3,117
Fixed operating expenses, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total operating expenses, $m
  792
  833
  875
  919
  965
  1,014
  1,064
  1,117
  1,172
  1,230
  1,208
  1,272
  1,338
  1,408
  1,481
  1,557
  1,637
  1,721
  1,809
  1,902
  1,999
  2,100
  2,207
  2,319
  2,436
  2,560
  2,689
  2,825
  2,967
  3,117
Operating income, $m
  194
  210
  226
  244
  262
  281
  300
  321
  342
  365
  471
  496
  522
  549
  578
  607
  639
  671
  706
  742
  780
  819
  861
  905
  950
  999
  1,049
  1,102
  1,157
  1,216
EBITDA, $m
  369
  390
  412
  435
  459
  484
  510
  538
  567
  597
  628
  661
  696
  732
  770
  810
  851
  895
  941
  989
  1,039
  1,092
  1,148
  1,206
  1,267
  1,331
  1,398
  1,469
  1,543
  1,621
Interest expense (income), $m
  26
  33
  35
  38
  41
  44
  47
  50
  53
  57
  61
  65
  69
  73
  77
  82
  87
  92
  97
  103
  109
  115
  121
  128
  135
  143
  151
  159
  167
  177
  186
Earnings before tax, $m
  161
  175
  188
  203
  218
  234
  250
  267
  285
  304
  407
  427
  449
  472
  496
  521
  547
  574
  603
  633
  665
  698
  733
  769
  808
  848
  890
  934
  981
  1,030
Tax expense, $m
  44
  47
  51
  55
  59
  63
  68
  72
  77
  82
  110
  115
  121
  127
  134
  141
  148
  155
  163
  171
  179
  188
  198
  208
  218
  229
  240
  252
  265
  278
Net income, $m
  118
  128
  138
  148
  159
  171
  183
  195
  208
  222
  297
  312
  328
  344
  362
  380
  399
  419
  440
  462
  485
  510
  535
  562
  590
  619
  650
  682
  716
  752

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  1,329
  1,405
  1,484
  1,567
  1,654
  1,744
  1,839
  1,938
  2,041
  2,150
  2,263
  2,382
  2,507
  2,637
  2,774
  2,917
  3,067
  3,225
  3,390
  3,563
  3,744
  3,935
  4,135
  4,344
  4,564
  4,795
  5,038
  5,292
  5,559
  5,839
Adjusted assets (=assets-cash), $m
  1,329
  1,405
  1,484
  1,567
  1,654
  1,744
  1,839
  1,938
  2,041
  2,150
  2,263
  2,382
  2,507
  2,637
  2,774
  2,917
  3,067
  3,225
  3,390
  3,563
  3,744
  3,935
  4,135
  4,344
  4,564
  4,795
  5,038
  5,292
  5,559
  5,839
Revenue / Adjusted assets
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
  0.742
Average production assets, $m
  922
  975
  1,030
  1,087
  1,147
  1,210
  1,276
  1,344
  1,416
  1,491
  1,570
  1,653
  1,739
  1,830
  1,924
  2,024
  2,128
  2,237
  2,352
  2,472
  2,598
  2,730
  2,869
  3,014
  3,167
  3,327
  3,495
  3,671
  3,856
  4,051
Working capital, $m
  -21
  -22
  -23
  -24
  -26
  -27
  -29
  -30
  -32
  -33
  -35
  -37
  -39
  -41
  -43
  -45
  -48
  -50
  -53
  -56
  -58
  -61
  -64
  -68
  -71
  -75
  -78
  -82
  -87
  -91
Total debt, $m
  653
  703
  756
  811
  868
  927
  990
  1,055
  1,124
  1,195
  1,270
  1,348
  1,431
  1,517
  1,607
  1,701
  1,801
  1,904
  2,013
  2,128
  2,248
  2,373
  2,505
  2,644
  2,789
  2,941
  3,101
  3,269
  3,445
  3,630
Total liabilities, $m
  877
  927
  980
  1,034
  1,091
  1,151
  1,214
  1,279
  1,347
  1,419
  1,494
  1,572
  1,654
  1,740
  1,831
  1,925
  2,024
  2,128
  2,237
  2,351
  2,471
  2,597
  2,729
  2,867
  3,013
  3,165
  3,325
  3,493
  3,669
  3,853
Total equity, $m
  452
  478
  505
  533
  562
  593
  625
  659
  694
  731
  770
  810
  852
  897
  943
  992
  1,043
  1,096
  1,153
  1,211
  1,273
  1,338
  1,406
  1,477
  1,552
  1,630
  1,713
  1,799
  1,890
  1,985
Total liabilities and equity, $m
  1,329
  1,405
  1,485
  1,567
  1,653
  1,744
  1,839
  1,938
  2,041
  2,150
  2,264
  2,382
  2,506
  2,637
  2,774
  2,917
  3,067
  3,224
  3,390
  3,562
  3,744
  3,935
  4,135
  4,344
  4,565
  4,795
  5,038
  5,292
  5,559
  5,838
Debt-to-equity ratio
  1.450
  1.470
  1.500
  1.520
  1.540
  1.560
  1.580
  1.600
  1.620
  1.630
  1.650
  1.660
  1.680
  1.690
  1.700
  1.720
  1.730
  1.740
  1.750
  1.760
  1.770
  1.770
  1.780
  1.790
  1.800
  1.800
  1.810
  1.820
  1.820
  1.830
Adjusted equity ratio
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340
  0.340

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  118
  128
  138
  148
  159
  171
  183
  195
  208
  222
  297
  312
  328
  344
  362
  380
  399
  419
  440
  462
  485
  510
  535
  562
  590
  619
  650
  682
  716
  752
Depreciation, amort., depletion, $m
  175
  180
  186
  191
  197
  204
  210
  217
  224
  232
  157
  165
  174
  183
  192
  202
  213
  224
  235
  247
  260
  273
  287
  301
  317
  333
  349
  367
  386
  405
Funds from operations, $m
  293
  308
  323
  339
  356
  374
  393
  412
  433
  454
  454
  477
  502
  527
  554
  582
  612
  643
  675
  709
  745
  783
  822
  863
  906
  952
  999
  1,049
  1,102
  1,157
Change in working capital, $m
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -3
  -3
  -3
  -3
  -3
  -3
  -3
  -4
  -4
  -4
  -4
  -4
Cash from operations, $m
  294
  309
  324
  341
  358
  376
  394
  414
  434
  456
  456
  479
  504
  529
  556
  585
  614
  645
  678
  712
  748
  785
  825
  866
  910
  955
  1,003
  1,053
  1,106
  1,161
Maintenance CAPEX, $m
  -87
  -92
  -97
  -103
  -109
  -115
  -121
  -128
  -134
  -142
  -149
  -157
  -165
  -174
  -183
  -192
  -202
  -213
  -224
  -235
  -247
  -260
  -273
  -287
  -301
  -317
  -333
  -349
  -367
  -386
New CAPEX, $m
  -50
  -53
  -55
  -57
  -60
  -63
  -66
  -69
  -72
  -75
  -79
  -82
  -86
  -90
  -95
  -99
  -104
  -109
  -115
  -120
  -126
  -132
  -139
  -145
  -153
  -160
  -168
  -176
  -185
  -194
Cash from investing activities, $m
  -137
  -145
  -152
  -160
  -169
  -178
  -187
  -197
  -206
  -217
  -228
  -239
  -251
  -264
  -278
  -291
  -306
  -322
  -339
  -355
  -373
  -392
  -412
  -432
  -454
  -477
  -501
  -525
  -552
  -580
Free cash flow, $m
  156
  164
  172
  180
  189
  198
  208
  218
  228
  239
  228
  240
  252
  265
  279
  293
  308
  323
  340
  357
  375
  394
  413
  434
  456
  478
  502
  527
  554
  581
Issuance/(repayment) of debt, $m
  48
  50
  52
  55
  57
  60
  62
  65
  68
  72
  75
  78
  82
  86
  90
  95
  99
  104
  109
  114
  120
  126
  132
  138
  145
  152
  160
  168
  176
  185
Issuance/(repurchase) of shares, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  48
  50
  52
  55
  57
  60
  62
  65
  68
  72
  75
  78
  82
  86
  90
  95
  99
  104
  109
  114
  120
  126
  132
  138
  145
  152
  160
  168
  176
  185
Total cash flow (excl. dividends), $m
  205
  214
  224
  235
  246
  258
  270
  283
  296
  310
  303
  318
  334
  351
  369
  387
  407
  427
  449
  471
  495
  519
  545
  572
  601
  631
  662
  695
  730
  766
Retained Cash Flow (-), $m
  -25
  -26
  -27
  -28
  -29
  -31
  -32
  -34
  -35
  -37
  -39
  -40
  -42
  -44
  -46
  -49
  -51
  -54
  -56
  -59
  -62
  -65
  -68
  -71
  -75
  -78
  -82
  -86
  -91
  -95
Prev. year cash balance distribution, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  62
  65
  69
  73
  77
  81
  85
  90
  95
  100
  105
  111
  117
  123
  129
  136
  143
  150
  158
  166
  174
  183
  193
  202
  213
  224
  235
  247
  259
  272
Cash available for distribution, $m
  180
  188
  197
  207
  217
  227
  238
  249
  261
  273
  264
  278
  292
  307
  322
  339
  356
  374
  392
  412
  433
  455
  477
  501
  526
  552
  580
  609
  639
  671
Discount rate, %
  5.80
  6.09
  6.39
  6.71
  7.05
  7.40
  7.77
  8.16
  8.57
  9.00
  9.45
  9.92
  10.42
  10.94
  11.48
  12.06
  12.66
  13.29
  13.96
  14.66
  15.39
  16.16
  16.97
  17.81
  18.71
  19.64
  20.62
  21.65
  22.74
  23.87
PV of cash for distribution, $m
  170
  167
  164
  159
  154
  148
  141
  133
  125
  116
  98
  89
  81
  72
  63
  55
  47
  40
  33
  27
  21
  17
  13
  10
  7
  5
  4
  3
  2
  1
Current shareholders' claim on cash, %
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

Fair Isaac Corporation (FICO) is a provider of analytic, software and data management products and services that enable businesses to automate and connect decisions. The Company operates through three segments: Applications, Scores and Decision Management Software. The Applications segment includes pre-configured decision management applications designed for a specific type of business problem or process, such as marketing, account origination, customer management, fraud, collections and insurance claims management. The Scores segment includes business-to-business scoring solutions and services, business-to-consumer scoring solutions and services, including myFICO solutions for consumers. The Decision Management Software segment consists of analytic and decision management software tools that clients can use to create their own custom decision management applications, its new FICO Decision Management Suite, as well as associated professional services.

FINANCIAL RATIOS  of  Fair Isaac (FICO)

Valuation Ratios
P/E Ratio 48.7
Price to Sales 6.7
Price to Book 14.6
Price to Tangible Book
Price to Cash Flow 27.6
Price to Free Cash Flow 30.3
Growth Rates
Sales Growth Rate 5.8%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -9.1%
Cap. Spend. - 3 Yr. Gr. Rate 9%
Financial Strength
Quick Ratio 1
Current Ratio 0
LT Debt to Equity 108.4%
Total Debt to Equity 141.7%
Interest Coverage 7
Management Effectiveness
Return On Assets 12.1%
Ret/ On Assets - 3 Yr. Avg. 10.6%
Return On Total Capital 12.5%
Ret/ On T. Cap. - 3 Yr. Avg. 10.5%
Return On Equity 29.3%
Return On Equity - 3 Yr. Avg. 24.5%
Asset Turnover 0.8
Profitability Ratios
Gross Margin 69.2%
Gross Margin - 3 Yr. Avg. 68.9%
EBITDA Margin 22.9%
EBITDA Margin - 3 Yr. Avg. 22.2%
Operating Margin 19%
Oper. Margin - 3 Yr. Avg. 18.2%
Pre-Tax Margin 16.2%
Pre-Tax Margin - 3 Yr. Avg. 15.2%
Net Profit Margin 13.7%
Net Profit Margin - 3 Yr. Avg. 12.2%
Effective Tax Rate 15.2%
Eff/ Tax Rate - 3 Yr. Avg. 20.1%
Payout Ratio 0.8%

FICO stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the FICO stock intrinsic value calculation we used $932 million for the last fiscal year's total revenue generated by Fair Isaac. The default revenue input number comes from 2017 income statement of Fair Isaac. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our FICO stock valuation model: a) initial revenue growth rate of 5.8% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 5.8%, whose default value for FICO is calculated based on our internal credit rating of Fair Isaac, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Fair Isaac.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of FICO stock the variable cost ratio is equal to 80.8%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for FICO stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Fair Isaac.

Corporate tax rate of 27% is the nominal tax rate for Fair Isaac. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the FICO stock is equal to 6.6%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for FICO are equal to 93.5%.

Life of production assets of 10 years is the average useful life of capital assets used in Fair Isaac operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for FICO is equal to -2.1%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $427 million for Fair Isaac - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 31 million for Fair Isaac is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Fair Isaac at the current share price and the inputted number of shares is $6.4 billion.

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COMPANY NEWS

▶ Chartis Names FICO a Category Leader in CECL Solutions   [Jul-09-18 08:00AM  PR Newswire]
▶ FICO to Present at Upcoming Investor Conference   [Jun-07-18 04:15PM  PR Newswire]
▶ FICO to Present at Upcoming Investor Conference   [May-30-18 04:15PM  PR Newswire]
▶ Your browser history could decide your credit score   [May-06-18 10:34AM  MarketWatch]
▶ FICO to Present at Upcoming Investor Conference   [May-02-18 04:15PM  PR Newswire]
▶ Fair Isaac: Fiscal 2Q Earnings Snapshot   [05:06AM  Associated Press]
▶ Fair Isaac's Q2 Earnings Preview   [08:24AM  Benzinga]
▶ FICO Announces xML Challenge   [Apr-09-18 04:34PM  PR Newswire]
▶ [$$] FICOs Lock on Mortgage Credit Scores Comes Under Fire   [Mar-15-18 12:32AM  The Wall Street Journal]
▶ [$$] Proposal Would Loosen Grip of FICO Score for Mortgages   [06:49PM  The Wall Street Journal]
▶ FICO to Present at Upcoming Investor Conference   [Mar-06-18 04:15PM  PR Newswire]
▶ Fair Isaac: Branching Out to Boost Growth   [Mar-01-18 03:43PM  GuruFocus.com]
▶ FICO to Present at Upcoming Investor Conference   [Feb-22-18 04:15PM  PR Newswire]
▶ FICO Opens Xpress Mosel Programming Language to All   [Feb-20-18 05:00AM  PR Newswire]
▶ 5 Stocks to Buy on the Dip   [Jan-30-18 04:14PM  Zacks]
▶ Silicon Valley stocks jump as Intel, VMware rocket near record highs   [Jan-26-18 05:02PM  American City Business Journals]
▶ Fair Isaac posts 1Q profit   [06:47AM  Associated Press]
▶ How to leverage great credit without borrowing a dime   [Jan-11-18 10:15AM  Associated Press]
▶ Should You Buy Fair Isaac Corporation (NYSE:FICO) Now?   [Jan-05-18 02:40PM  Simply Wall St.]
▶ [$$] A Fight Over the Credit Score Lenders Use for Your Mortgage   [Jan-04-18 12:39AM  The Wall Street Journal]
▶ [$$] A Fight Over the Credit Score Lenders Use for Your Mortgage   [Jan-03-18 09:52AM  The Wall Street Journal]
▶ ETFs with exposure to Fair Isaac Corp. : January 1, 2018   [Jan-01-18 11:35AM  Capital Cube]
▶ 4 Fintech Companies Disrupting Real Estate In 2017   [Dec-15-17 06:00AM  Investopedia]
▶ ETFs with exposure to Fair Isaac Corp. : December 8, 2017   [Dec-08-17 12:50PM  Capital Cube]
▶ FICO to Present at Upcoming Investor Conference   [Nov-30-17 04:15PM  PR Newswire]
▶ CDK Global (CDK) Catches Eye: Stock Jumps 5.1%   [Nov-16-17 08:47AM  Zacks]
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