FICO$1,278.47
Fair Isaac Corporation
Moat Score
81/100
Fair Isaac owns one of the most entrenched data standards in U.S. lending. The FICO Score is embedded in underwriting, pricing, and monitoring workflows, giving the company unusually strong switching costs, brand trust, and pricing power. Its moat is reinforced by proprietary analytics, low marginal delivery costs, and a market structure that supports only a few credible large-scale rivals. The main weakness is that lenders and credit bureaus can develop alternative scores, and recent pricing actions have drawn more competitive attention and regulatory scrutiny. Overall the moat remains durable and broad, but not unassailable, with the trend best described as stable.
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Financial Score
69/100
Fair Isaac’s standout strength is its exceptional profitability and cash generation: revenue has compounded steadily, operating margin has expanded to the mid-40s, and free cash flow is approaching $901 million TTM with very strong conversion. That operating momentum is reinforced by rising ROA, ROIC and asset turnover, while analyst forecasts still point to robust EPS growth and moderating forward valuation. However, this quality profile is offset by a much weaker balance sheet, with deeply negative equity, elevated liabilities and recurring reliance on debt maturities and buybacks. Liquidity has improved recently, but leverage remains persistent. Overall, FICO presents a high-quality, high-growth operating franchise constrained by structural leverage, consistent with an overall mixed-to-strong financial profile.
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Disclaimer: The analysis on this page is generated by AI and is provided for informational purposes only. It does not constitute financial advice, investment recommendations, or an offer to buy or sell any security. Always conduct your own due diligence and consult a qualified financial adviser before making any investment decisions.