FICO Fair Isaac
too hard · 91
Owner-earnings value$640.35
Price$708.07
Margin of safety
-9.6%
Quality gate · 91/100
⚠ negative book equity
Median ROIC46.8%
Gross margin85.1%
Net debt / EBITDA2.3x
FCF conversion118%
Share count / yr-1.9%
Profitable years4/4
Moat & management
Owner-earnings inputs
| Owner earnings (TTM) | 815.02M |
| Owner-earnings yield | 5.3% |
| Free-cash-flow yield | 6.3% |
| Growth used (normalized) | 10.0% |
| Market-implied growth (reverse DCF) | 12.6% |
| Terminal growth | 3.0% |
| Discount rate (hurdle) | 11.0% |
Projected owner earnings
| Yr | Owner earnings | Growth | PV |
|---|---|---|---|
| 1 | 896.52M | 10.0% | 807.53M |
| 2 | 979.20M | 9.2% | 794.45M |
| 3 | 1.06B | 8.4% | 776.01M |
| 4 | 1.14B | 7.7% | 752.57M |
| 5 | 1.22B | 6.9% | 724.56M |
| 6 | 1.30B | 6.1% | 692.52M |
| 7 | 1.37B | 5.3% | 657.05M |
| 8 | 1.43B | 4.6% | 618.79M |
| 9 | 1.48B | 3.8% | 578.42M |
| 10 | 1.53B | 3.0% | 536.63M |
⚠ maintenance capex ≈ min(capex, D&A), capped at FCF · Price pays for ~13%/yr owner-earnings growth over 10y (reverse DCF); model credits 10%.