Intrinsic value of Fair Isaac - FICO

Previous Close

$234.25

  Intrinsic Value

$110.05

stock screener

  Rating & Target

str. sell

-53%

Previous close

$234.25

 
Intrinsic value

$110.05

 
Up/down potential

-53%

 
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 0001), $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 6.8

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2
   3
   4
   5
   6
   7
   8
   9
   10
   11
   12
   13
   14
   15
   16
   17
   18
   19
   20
   21
   22
   23
   24
   25
   26
   27
   28
   29
   30
   31

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  12.30
  11.57
  10.91
  10.32
  9.79
  9.31
  8.88
  8.49
  8.14
  7.83
  7.55
  7.29
  7.06
  6.86
  6.67
  6.50
  6.35
  6.22
  6.10
  5.99
  5.89
  5.80
  5.72
  5.65
  5.58
  5.52
  5.47
  5.42
  5.38
  5.34
Revenue, $m
  1,047
  1,168
  1,295
  1,429
  1,569
  1,715
  1,867
  2,026
  2,191
  2,362
  2,541
  2,726
  2,918
  3,118
  3,326
  3,543
  3,768
  4,002
  4,246
  4,500
  4,765
  5,042
  5,330
  5,631
  5,945
  6,274
  6,617
  6,976
  7,351
  7,744
Variable operating expenses, $m
  836
  923
  1,015
  1,111
  1,211
  1,316
  1,426
  1,540
  1,659
  1,782
  1,828
  1,961
  2,100
  2,244
  2,393
  2,549
  2,711
  2,879
  3,055
  3,238
  3,428
  3,627
  3,834
  4,051
  4,277
  4,513
  4,760
  5,019
  5,289
  5,571
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
  836
  923
  1,015
  1,111
  1,211
  1,316
  1,426
  1,540
  1,659
  1,782
  1,828
  1,961
  2,100
  2,244
  2,393
  2,549
  2,711
  2,879
  3,055
  3,238
  3,428
  3,627
  3,834
  4,051
  4,277
  4,513
  4,760
  5,019
  5,289
  5,571
Operating income, $m
  211
  245
  281
  318
  358
  399
  441
  486
  532
  580
  713
  765
  819
  875
  933
  994
  1,057
  1,123
  1,191
  1,263
  1,337
  1,414
  1,495
  1,580
  1,668
  1,760
  1,856
  1,957
  2,063
  2,173
EBITDA, $m
  315
  351
  390
  430
  472
  516
  562
  610
  659
  711
  765
  820
  878
  938
  1,001
  1,066
  1,134
  1,204
  1,278
  1,354
  1,434
  1,517
  1,604
  1,695
  1,789
  1,888
  1,991
  2,099
  2,212
  2,331
Interest expense (income), $m
  26
  33
  38
  44
  50
  57
  63
  70
  78
  85
  93
  101
  110
  119
  128
  138
  148
  158
  169
  180
  192
  204
  217
  230
  244
  258
  273
  289
  306
  323
  341
Earnings before tax, $m
  178
  207
  237
  268
  301
  335
  371
  408
  447
  487
  611
  655
  700
  747
  796
  846
  899
  954
  1,011
  1,071
  1,133
  1,198
  1,265
  1,336
  1,410
  1,487
  1,567
  1,651
  1,740
  1,832
Tax expense, $m
  48
  56
  64
  72
  81
  91
  100
  110
  121
  132
  165
  177
  189
  202
  215
  229
  243
  258
  273
  289
  306
  323
  342
  361
  381
  401
  423
  446
  470
  495
Net income, $m
  130
  151
  173
  196
  220
  245
  271
  298
  326
  356
  446
  478
  511
  545
  581
  618
  656
  696
  738
  782
  827
  874
  924
  975
  1,029
  1,085
  1,144
  1,206
  1,270
  1,337

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
  1,411
  1,574
  1,746
  1,926
  2,115
  2,311
  2,517
  2,730
  2,953
  3,184
  3,424
  3,674
  3,933
  4,203
  4,483
  4,775
  5,078
  5,394
  5,723
  6,065
  6,422
  6,795
  7,183
  7,589
  8,012
  8,455
  8,918
  9,401
  9,907
  10,437
Adjusted assets (=assets-cash), $m
  1,411
  1,574
  1,746
  1,926
  2,115
  2,311
  2,517
  2,730
  2,953
  3,184
  3,424
  3,674
  3,933
  4,203
  4,483
  4,775
  5,078
  5,394
  5,723
  6,065
  6,422
  6,795
  7,183
  7,589
  8,012
  8,455
  8,918
  9,401
  9,907
  10,437
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
  514
  573
  636
  702
  770
  842
  917
  995
  1,076
  1,160
  1,247
  1,338
  1,433
  1,531
  1,633
  1,740
  1,850
  1,965
  2,085
  2,210
  2,340
  2,475
  2,617
  2,765
  2,919
  3,080
  3,249
  3,425
  3,609
  3,802
Working capital, $m
  23
  26
  28
  31
  35
  38
  41
  45
  48
  52
  56
  60
  64
  69
  73
  78
  83
  88
  93
  99
  105
  111
  117
  124
  131
  138
  146
  153
  162
  170
Total debt, $m
  707
  815
  928
  1,047
  1,171
  1,301
  1,437
  1,578
  1,725
  1,877
  2,036
  2,200
  2,372
  2,550
  2,735
  2,927
  3,127
  3,336
  3,553
  3,779
  4,014
  4,260
  4,517
  4,784
  5,064
  5,356
  5,661
  5,981
  6,315
  6,664
Total liabilities, $m
  931
  1,039
  1,152
  1,271
  1,396
  1,526
  1,661
  1,802
  1,949
  2,101
  2,260
  2,425
  2,596
  2,774
  2,959
  3,151
  3,351
  3,560
  3,777
  4,003
  4,239
  4,484
  4,741
  5,009
  5,288
  5,580
  5,886
  6,205
  6,539
  6,888
Total equity, $m
  480
  535
  594
  655
  719
  786
  856
  928
  1,004
  1,083
  1,164
  1,249
  1,337
  1,429
  1,524
  1,623
  1,727
  1,834
  1,946
  2,062
  2,184
  2,310
  2,442
  2,580
  2,724
  2,875
  3,032
  3,196
  3,368
  3,549
Total liabilities and equity, $m
  1,411
  1,574
  1,746
  1,926
  2,115
  2,312
  2,517
  2,730
  2,953
  3,184
  3,424
  3,674
  3,933
  4,203
  4,483
  4,774
  5,078
  5,394
  5,723
  6,065
  6,423
  6,794
  7,183
  7,589
  8,012
  8,455
  8,918
  9,401
  9,907
  10,437
Debt-to-equity ratio
  1.470
  1.520
  1.560
  1.600
  1.630
  1.660
  1.680
  1.700
  1.720
  1.730
  1.750
  1.760
  1.770
  1.780
  1.790
  1.800
  1.810
  1.820
  1.830
  1.830
  1.840
  1.840
  1.850
  1.850
  1.860
  1.860
  1.870
  1.870
  1.870
  1.880
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
  130
  151
  173
  196
  220
  245
  271
  298
  326
  356
  446
  478
  511
  545
  581
  618
  656
  696
  738
  782
  827
  874
  924
  975
  1,029
  1,085
  1,144
  1,206
  1,270
  1,337
Depreciation, amort., depletion, $m
  104
  106
  109
  112
  115
  118
  121
  124
  127
  131
  52
  56
  59
  64
  68
  72
  77
  82
  87
  92
  97
  103
  109
  115
  121
  128
  135
  142
  150
  158
Funds from operations, $m
  234
  257
  282
  308
  334
  362
  392
  422
  453
  486
  498
  534
  570
  609
  649
  690
  733
  778
  825
  873
  924
  977
  1,032
  1,090
  1,150
  1,213
  1,279
  1,348
  1,420
  1,495
Change in working capital, $m
  3
  3
  3
  3
  3
  3
  3
  3
  4
  4
  4
  4
  4
  4
  5
  5
  5
  5
  5
  6
  6
  6
  6
  7
  7
  7
  8
  8
  8
  9
Cash from operations, $m
  232
  255
  279
  305
  331
  359
  388
  418
  450
  483
  494
  530
  566
  604
  644
  685
  728
  773
  819
  868
  918
  971
  1,026
  1,083
  1,143
  1,206
  1,271
  1,340
  1,411
  1,486
Maintenance CAPEX, $m
  -19
  -21
  -24
  -26
  -29
  -32
  -35
  -38
  -41
  -45
  -48
  -52
  -56
  -59
  -64
  -68
  -72
  -77
  -82
  -87
  -92
  -97
  -103
  -109
  -115
  -121
  -128
  -135
  -142
  -150
New CAPEX, $m
  -57
  -59
  -63
  -66
  -69
  -72
  -75
  -78
  -81
  -84
  -88
  -91
  -95
  -98
  -102
  -106
  -111
  -115
  -120
  -125
  -130
  -136
  -142
  -148
  -154
  -161
  -169
  -176
  -184
  -193
Cash from investing activities, $m
  -76
  -80
  -87
  -92
  -98
  -104
  -110
  -116
  -122
  -129
  -136
  -143
  -151
  -157
  -166
  -174
  -183
  -192
  -202
  -212
  -222
  -233
  -245
  -257
  -269
  -282
  -297
  -311
  -326
  -343
Free cash flow, $m
  156
  174
  193
  213
  233
  255
  278
  302
  328
  354
  359
  387
  416
  447
  478
  511
  545
  581
  618
  656
  697
  738
  782
  827
  874
  924
  975
  1,029
  1,085
  1,144
Issuance/(repayment) of debt, $m
  102
  108
  113
  119
  124
  130
  135
  141
  147
  153
  159
  165
  171
  178
  185
  192
  200
  208
  217
  226
  236
  246
  256
  268
  280
  292
  305
  319
  334
  349
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  
  102
  108
  113
  119
  124
  130
  135
  141
  147
  153
  159
  165
  171
  178
  185
  192
  200
  208
  217
  226
  236
  246
  256
  268
  280
  292
  305
  319
  334
  349
Total cash flow (excl. dividends), $m
  258
  282
  306
  331
  358
  385
  414
  444
  474
  506
  517
  552
  587
  625
  663
  704
  746
  789
  835
  883
  932
  984
  1,038
  1,095
  1,154
  1,216
  1,280
  1,348
  1,419
  1,493
Retained Cash Flow (-), $m
  -53
  -55
  -58
  -61
  -64
  -67
  -70
  -73
  -76
  -79
  -82
  -85
  -88
  -92
  -95
  -99
  -103
  -107
  -112
  -116
  -121
  -127
  -132
  -138
  -144
  -150
  -157
  -164
  -172
  -180
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
  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 available for distribution, $m
  205
  226
  248
  270
  294
  318
  344
  371
  399
  428
  435
  467
  499
  533
  568
  605
  643
  682
  723
  766
  811
  857
  906
  957
  1,010
  1,065
  1,123
  1,184
  1,247
  1,313
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
  194
  201
  206
  208
  209
  207
  204
  198
  190
  181
  161
  150
  138
  125
  111
  98
  85
  72
  60
  50
  40
  32
  25
  19
  14
  10
  7
  5
  3
  2
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 55.3
Price to Sales 7.6
Price to Book 16.6
Price to Tangible Book
Price to Cash Flow 31.3
Price to Free Cash Flow 34.4
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 $932.169 million for the last fiscal year's total revenue generated by Fair Isaac. The default revenue input number comes from 0001 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 12.3% 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 0%.

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 49.1%.

Life of production assets of 24.1 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 2.2%. 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 - $426.537 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 29.144 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 $6.8 billion.

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COMPANY NEWS

▶ FICO to Present at Upcoming Investor Conference   [Sep-06-18 04:15PM  PR Newswire]
▶ Here are the San Francisco Bay Area stocks driving Wall Street's latest bull run   [Aug-22-18 05:42PM  American City Business Journals]
▶ How Square Is Building a Payments Empire   [Aug-03-18 06:31PM  Motley Fool]
▶ 4 Top Stocks to Buy on Blockbuster Earnings Growth   [Jul-31-18 01:25PM  InvestorPlace]
▶ Fair Isaac Corporation's Third-Quarter Earnings Soar 28%   [Jul-30-18 11:19AM  Motley Fool]
▶ 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]

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