FICO Rule Check
Fair Isaac Corporation against the rules: which it passes, where it lags and what to look at next.
- Price
- $692.03
- Market Cap
- $14.9 B
- Next Earnings
- In 8 Days
Flags First
- Debt / EquityFail
- Versus the MarketFail
- Versus Its SectorFail
- Distance from 52-Week HighFail
- Distance from 52-Week LowCaution
- +1 More
Fit ScoreWorth Researching
Strengths outweigh weaknesses; worth researching why the weak spots exist.
86% of Rules Measured · The ring's slices are the categories: length is weight, fill is score.
Company Analysis
- No report for this focus yet.
Claude writes a second opinion independent of the site's own analysis; while the market is open it reads the live price.
Categories
Elimination · PassTiny or thinly traded stocks move on a handful of orders; a position you cannot exit when needed is not worth holding.
Rule by Rule
Elimination
3 of 3 Measured- Market CapAt least $300M$14.9 BPass
- Share PriceAt least $5$692.03Pass
- Liquidity500K shares and $10M traded per day on average565 K SharesPass
Growth
4 of 4 Measured- Quarterly EPS GrowthAt least 10% year over year+ 41.2%Pass
- Quarterly Sales GrowthAt least 10% year over year+ 25.7%Pass
- Three-Year EPS GrowthAt least 10% annualized+ 23.3%Pass
- Source of GrowthSales should grow at least 5% while profit grows+ 25.7%Pass
Profitability
2 of 2 Measured- ProfitabilityPositive trailing twelve-month EPS$34.61Pass
- MarginsGross, operating and net margins positive51.7%Pass
Financial Health
3 of 3 Measured- Current RatioAt least 1 — current assets cover current liabilities1.18Pass
- Debt / EquityAt most 1; above 2 fails8.46Fail
- Cash RunwayPositive free cash flow or at least two years of cash—Pass
Price Strength
4 of 4 Measured- Versus the MarketSix-month return not behind the S&P 500− 37.2 PtsFail
- Versus Its SectorSix-month return not behind the sector fund− 46.2 PtsFail
- Distance from 52-Week LowAt least 30% above the low18.1%Caution
- Distance from 52-Week HighAt most 25% below the high62.8%Fail
Ownership
2 of 3 Measured- DilutionShare count up at most 2% a year− 10.0%Pass
- Famous Fund InterestAmong tracked funds, adders not outnumbered by trimmers1 FundsPass
- Insider ActivityNo heavy net selling over six months−3No Data
Catalyst Signals
1 of 3 Measured- Analyst TrendShare of buy ratings rising over three months− 6.9 PtsCaution
- Upside to TargetAt least 10% to the average target—No Data
- Quality of the Last ReportEarnings analysis score of at least 60—No Data
In each lane the line is the rule's threshold, the dot is the stock's value and the bar between them is the gap. Market cap, price and volume use a log scale: one step is ten times. A value beyond the end sits at the edge as an open dot.
Rule Bench
- 13Passed
- 2Caution
- 4Failed
- 3No Data
Each lamp is a rule: green passed, amber caution, red failed, grey no data. Tap a station to see its rules.
Weaknesses
- Debt to equity of 8.46; a heavy debt load.
- Trailed the S&P 500 by 37.2 points over six months.
- Trailed its sector by 46.2 points over six months.
- The price is 62.8% below its 52-week high.
- The price is close to its 52-week low, only 18.1% above it.
- The share of buy ratings fell 6.9 points in three months.
Strengths
- Market cap of $14.9 B, comfortably above the size floor.
- Share price of $692.03, outside penny-stock territory.
- About 565 K shares trade a day; positions open and close easily.
- EPS grew + 41.2% year over year last quarter.
- Sales grew + 25.7% year over year last quarter.
- EPS has grown + 23.3% a year on average for three years.
- Profit growth is backed by sales growth.
- Earned $34.61 per share over the last twelve months.
- Gross, operating and net margins are all positive; operating margin 51.7%.
- Current ratio of 1.18; short-term obligations are well covered.
- Free cash flow is positive; the company funds itself.
- Share count changed − 10.0% in a year; ownership is preserved.
- 1 tracked famous funds hold it and interest is not fading.
Next Steps
- The stock is far from its high. Do not treat it as cheap before finding why it fell (results, competition, sector); wait for the price to confirm a turn.
- It lags while the market or the sector rises. Compare it with the sector's leaders; lagging may have a reason.
- Earnings in 8 days. The result can move the price sharply; account for that risk.
- Write down the concrete reason for growth: a new product, a contract, management or an industry shift. If you cannot say it in one sentence, waiting may be the better choice.
What You Should Check
- Is there a concrete reason for growth, and can you say it in one sentence?
- Where does the valuation sit against sector peers?
- Does the chart confirm the trend, or are you fighting a falling price?
- Is the position size within the loss you could bear if you are wrong?
The score averages the measurable rules with category weights: growth 30, price strength 20, profitability 15, health 15, ownership 10, catalysts 10. A pass counts in full, a caution half; rules we cannot measure stay out. A stock that hits an elimination rule is capped at 45. Growth above 300% counts as a base effect and is marked as a caution.
Sources: prices from Alpaca, fundamentals and analyst ratings from Finnhub, share counts from SEC filings, famous funds from 13F reports, targets and report scores from the site's own analyses.
This is not investment advice; it is a research tool that measures fit with the rules.
Alpaca · SIPUpdated 15:37 NY15 Minutes Delayed
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