Also trades as: 0TIQ.L (LSE) · $vol 0M

$1,239.91

+11.81 (+0.96%)

Weekly Expected Move ±5.8%

$971 $1035 $1099 $1163 $1227

NYSE · Technology · Software - Application · Alpha Radar Buy · Power 74 · $28.8B mcap · 23M float · 1.72% daily turnover · Short 66% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

68.4 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 73.1%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. FICO has a Narrow competitive edge (68.4/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 73.1% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$1400

Low

$1610

Avg Target

$1750

High

Based on 5 analysts since Apr 28, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 16Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$1546.11

Analysts9

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-04	Jefferies	Surinder Thind	$2200	$1700	-500	+64.2%	$1035.50
2026-04-30	Wells Fargo	—	$2400	$1400	-1000	+34.2%	$1043.57
2026-04-29	Needham	—	$1950	$1650	-300	+57.9%	$1045.08
2026-04-29	Raymond James	—	$1007	$1750	+743	+68.1%	$1040.98
2026-04-29	Robert W. Baird	—	Initiated	$1549	—	+53.3%	$1010.16
2026-04-23	UBS	—	$1350	$1150	-200	+21.7%	$944.99
2026-04-16	Mizuho Securities	Sean Kennedy	Initiated	$1416	—	+37.4%	$1030.81
2026-04-10	Barclays	—	$2400	$1950	-450	+109.1%	$932.42
2026-03-11	UBS	—	$1640	$1350	-290	+15.9%	$1165.23
2026-02-02	Goldman Sachs	George Tong	$614	$1777	+1163	+21.4%	$1463.17
2026-01-16	Jefferies	—	$2500	$2200	-300	+39.2%	$1580.02
2025-10-14	Wells Fargo	Jason Haas	$2300	$2400	+100	+45.5%	$1649.99
2025-10-13	Seaport Global	—	$1800	$2250	+450	+34.4%	$1674.29
2025-10-02	Barclays	—	$2250	$2400	+150	+58.7%	$1512.71
2025-10-01	Seaport Global	—	$1600	$1800	+200	+20.5%	$1494.30
2025-10-01	Wells Fargo	—	$2200	$2300	+100	+53.7%	$1496.53
2025-10-01	Seaport Global	—	Initiated	$1600	—	+6.9%	$1496.53
2025-09-15	UBS	Kevin McVeigh	Initiated	$1640	—	+6.2%	$1544.05
2025-08-18	Griffin	Ryan Griffin	$2000	$1800	-200	+33.3%	$1350.00
2025-07-16	Needham	Kyle Peterson	$2500	$1950	-550	+29.5%	$1505.39
2025-07-09	Griffin	Ryan Griffin	Initiated	$2000	—	+25.6%	$1591.73
2025-05-14	Jefferies	Surinder Thind	$1450	$2500	+1050	+17.4%	$2130.00
2025-04-04	Barclays	—	$1800	$2250	+450	+34.4%	$1673.98
2024-12-02	Oppenheimer	Owen Lau	Initiated	$2515	—	+7.3%	$2343.44
2024-11-07	Needham	Kyle Peterson	$900	$2500	+1600	+23.8%	$2019.56
2024-10-01	Wells Fargo	Jason Haas	$2100	$2200	+100	+13.2%	$1943.52
2024-08-12	Wells Fargo	Jason Haas	Initiated	$2100	—	+22.1%	$1720.00
2024-08-07	Barclays	Manav Patnaik	Initiated	$1800	—	+8.8%	$1654.99
2024-04-23	Jefferies	Robert Moskow	$588	$1450	+862	+26.0%	$1150.66
2023-09-06	Raymond James	Patrick O'Shaughnessy	Initiated	$1007	—	+9.9%	$916.41
2023-06-08	Needham	Kyle Peterson	Initiated	$900	—	+16.7%	$770.99
2022-11-10	Goldman Sachs	—	Initiated	$614	—	+5.5%	$581.78
2022-03-04	Jefferies	Robert Moskow	Initiated	$588	—	+18.3%	$497.23

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FICO receives an overall rating of C+. Strongest factors: ROA (5/5). Areas of concern: ROE (1/5), D/E (1/5), P/E (2/5), P/B (1/5).

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 79 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. FICO scores highest in Safety (100/100) and lowest in Value (32/100). An overall grade of A places FICO among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

10.76

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.60

Unlikely Manipulator

Ohlson O-Score

-1.36

Bankruptcy prob: 20.5%

Moderate

Credit Rating

A-

Score: 69.5/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 1.19x

Accruals: -8.2%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. FICO scores 10.76, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FICO scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FICO's score of -2.60 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. FICO's implied 20.5% bankruptcy probability is elevated and warrants attention to the balance sheet. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. FICO receives an estimated rating of A- (score: 69.5/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). FICO's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

38.57x

PEG

1.10x

P/S

12.75x

P/B

-13.94x

P/FCF

28.40x

P/OCF

27.94x

EV/EBITDA

24.33x

EV/Revenue

12.54x

EV/EBIT

24.67x

EV/FCF

31.69x

Earnings Yield

3.00%

FCF Yield

3.52%

Shareholder Yield

7.14%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 38.6x earnings, FICO commands a growth premium.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.769

NI / EBT

Interest Burden

0.861

EBT / EBIT

EBIT Margin

0.508

EBIT / Rev

Asset Turnover

1.258

Rev / Assets

Equity Multiplier

-1.324

Assets / Equity

ROE

-56.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. FICO's ROE of -56.1% is driven by Asset Turnover (1.258), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

28.48%

Fair P/E

65.46x

Intrinsic Value

$2093.80

Price/Value

0.51x

Margin of Safety

49.01%

Premium

-49.01%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FICO's realized 28.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $2093.80, FICO appears undervalued with a 49% margin of safety. The adjusted fair P/E of 65.5x compares to the current market P/E of 38.6x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$1239.78

Median 1Y

$1411.67

5th Pctile

$673.02

95th Pctile

$2950.52

Ann. Volatility

42.3%

Analyst Target

$1546.11

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
William Lansing Chief Executive Officer	$750,000	$34,091,860	$36,045,267
Nikhil Behl President, Software	$500,000	$6,818,373	$7,727,863
James Wehmann President, sident, Scores	$490,385	$6,818,373	$7,322,942
Mark Scadina President, Vice President, General Counsel	$400,000	$6,255,247	$7,139,423
Richard Deal President, Vice President, Chief Human Resources Officer	$400,000	$6,255,247	$6,963,424
Steven Weber Financial Vice President and Chief Financial Officer	$400,000	$6,255,247	$6,958,832

CEO Pay Ratio

268:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $36,045,267

Avg Employee Cost (SGA/emp): $134,618

Employees: 3,811

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

3,811

+6.3% YoY

Revenue / Employee

$522,401

Rev: $1,990,869,000

Profit / Employee

$171,070

NI: $651,946,000

SGA / Employee

$134,618

Avg labor cost proxy

R&D / Employee

$49,422

Innovation spend

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	1.2%	3.6%	3.5%	3.9%	3.3%	-81.8%	-84.6%	-84.0%	-91.7%	-57.6%	-60.8%	-64.6%	-64.2%	-62.1%	-65.9%	-69.9%	-76.7%	-48.1%	-48.6%	-56.1%	-56.09%
ROA	24.0%	24.7%	24.6%	26.9%	23.2%	24.8%	25.7%	25.5%	27.8%	28.5%	30.0%	31.9%	31.7%	31.1%	33.1%	35.0%	38.4%	36.4%	36.7%	42.4%	42.37%
ROIC	36.2%	40.7%	40.8%	45.1%	40.5%	44.0%	46.3%	46.1%	49.8%	46.3%	48.5%	51.1%	51.0%	51.9%	55.5%	59.2%	64.3%	62.9%	63.8%	73.1%	73.15%
ROCE	40.6%	50.9%	52.8%	57.6%	51.8%	48.6%	50.8%	51.8%	55.7%	53.8%	54.9%	58.0%	59.0%	55.9%	57.8%	61.2%	66.8%	91.9%	97.2%	1.1%	1.13%
Gross Margin	75.7%	78.4%	78.5%	79.9%	77.5%	76.3%	77.8%	79.0%	82.0%	78.7%	78.2%	79.9%	80.2%	80.3%	80.1%	82.4%	83.7%	82.3%	83.0%	86.8%	86.81%
Operating Margin	57.5%	34.4%	35.9%	42.6%	40.3%	38.5%	40.7%	42.0%	44.4%	42.5%	39.6%	44.9%	42.5%	43.4%	40.8%	49.3%	48.9%	46.0%	45.7%	58.2%	58.19%
Net Margin	44.7%	25.6%	26.4%	29.2%	26.8%	26.0%	28.3%	26.7%	32.3%	26.0%	31.7%	29.9%	28.2%	29.9%	34.7%	32.6%	33.9%	30.1%	30.9%	38.2%	38.23%
EBITDA Margin	60.4%	36.3%	37.9%	43.4%	41.5%	39.7%	42.0%	43.5%	46.6%	43.0%	41.2%	46.6%	44.2%	44.9%	41.6%	49.7%	51.1%	47.8%	46.5%	58.5%	58.48%
FCF Margin	34.0%	31.6%	35.1%	32.0%	33.0%	36.6%	33.6%	30.9%	30.3%	30.7%	31.8%	29.1%	33.3%	35.4%	37.9%	36.8%	38.8%	37.6%	35.6%	39.6%	39.57%
OCF Margin	34.5%	32.2%	35.5%	32.5%	33.5%	37.0%	34.1%	31.2%	30.5%	31.0%	32.2%	29.9%	34.5%	36.9%	39.7%	38.5%	40.5%	39.1%	36.8%	40.2%	40.22%
ROA 3Y Avg	snapshot only																				34.93%
ROIC 3Y Avg	snapshot only																				1.82%
ROIC Economic	snapshot only																				68.08%
Cash ROA	snapshot only																				48.57%
Cash ROIC	snapshot only																				75.93%
CROIC	snapshot only																				74.70%
NOPAT Margin	snapshot only																				38.75%
Pretax Margin	snapshot only																				43.77%
R&D / Revenue	snapshot only																				8.95%
SGA / Revenue	snapshot only																				24.36%
SBC / Revenue	snapshot only																				7.27%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	40.15	28.96	30.56	28.91	28.14	28.21	39.43	46.59	48.97	51.12	64.83	65.34	77.82	95.05	90.82	78.88	71.01	55.46	61.58	33.37	38.567
P/S Ratio	10.82	8.62	9.00	9.11	7.61	7.65	10.88	12.55	13.92	14.50	18.93	19.59	22.52	28.38	27.84	24.74	23.29	18.16	19.63	11.24	12.747
P/B Ratio	44.33	-102.34	-107.59	-111.09	-93.47	-13.14	-18.99	-22.27	-25.57	-31.91	-42.67	-45.69	-54.13	-50.63	-51.35	-47.29	-46.66	-20.71	-23.20	-14.52	-13.940
P/FCF	31.80	27.28	25.65	28.45	23.08	20.93	32.33	40.68	46.00	47.24	59.44	67.28	67.58	80.24	73.39	67.21	60.06	48.33	55.10	28.40	28.400
P/OCF	31.34	26.79	25.36	28.02	22.72	20.68	31.93	40.21	45.59	46.81	58.88	65.51	65.27	77.01	70.13	64.23	57.47	46.43	53.37	27.94	27.941
EV/EBITDA	30.22	23.19	23.50	22.32	21.17	21.96	29.15	33.08	35.11	35.73	46.01	46.55	53.76	66.76	65.46	57.18	51.75	41.10	43.19	24.33	24.334
EV/Revenue	11.37	9.49	9.86	9.96	8.44	8.94	12.15	13.80	15.13	15.67	20.07	20.69	23.59	29.60	29.02	25.87	24.37	19.64	21.06	12.54	12.542
EV/EBIT	31.90	24.34	24.55	23.19	22.04	22.79	30.16	34.12	36.03	36.53	46.92	47.38	54.74	67.99	66.69	58.20	52.60	41.76	43.86	24.67	24.671
EV/FCF	33.42	30.01	28.10	31.08	25.61	24.46	36.11	44.73	49.99	51.04	63.02	71.06	70.78	83.69	76.50	70.30	62.86	52.26	59.10	31.69	31.694
Earnings Yield	2.5%	3.5%	3.3%	3.5%	3.6%	3.5%	2.5%	2.1%	2.0%	2.0%	1.5%	1.5%	1.3%	1.1%	1.1%	1.3%	1.4%	1.8%	1.6%	3.0%	3.00%
FCF Yield	3.1%	3.7%	3.9%	3.5%	4.3%	4.8%	3.1%	2.5%	2.2%	2.1%	1.7%	1.5%	1.5%	1.2%	1.4%	1.5%	1.7%	2.1%	1.8%	3.5%	3.52%
PEG Ratio	snapshot only																				1.103
EV/OCF	snapshot only																				31.182
EV/Gross Profit	snapshot only																				14.902
Acquirers Multiple	snapshot only																				24.901
Shareholder Yield	snapshot only																				7.14%

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.29	0.99	0.99	0.99	0.99	1.46	1.46	1.46	1.46	1.51	1.51	1.51	1.51	1.62	1.62	1.62	1.62	0.83	0.83	0.83	0.830
Quick Ratio	1.29	0.99	0.99	0.99	0.99	1.46	1.46	1.46	1.46	1.51	1.51	1.51	1.51	1.62	1.62	1.62	1.62	0.83	0.83	0.83	0.830
Debt/Equity	2.74	-12.03	-12.03	-12.03	-12.03	-2.38	-2.38	-2.38	-2.38	-2.76	-2.76	-2.76	-2.76	-2.33	-2.33	-2.33	-2.33	-1.76	-1.76	-1.76	-1.761
Net Debt/Equity	2.27	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Debt/Assets	0.57	0.85	0.85	0.85	0.85	1.33	1.33	1.33	1.33	1.21	1.21	1.21	1.21	1.31	1.31	1.31	1.31	1.65	1.65	1.65	1.646
Debt/EBITDA	1.78	2.48	2.40	2.21	2.46	3.41	3.28	3.22	3.01	2.87	2.81	2.67	2.62	2.94	2.85	2.69	2.47	3.23	3.06	2.64	2.645
Net Debt/EBITDA	1.47	2.11	2.05	1.89	2.10	3.17	3.05	3.00	2.80	2.66	2.61	2.47	2.43	2.75	2.66	2.51	2.30	3.09	2.92	2.53	2.529
Interest Coverage	12.23	12.80	12.49	11.63	8.91	7.83	7.09	6.67	6.72	6.79	6.84	7.07	7.03	7.08	6.96	7.04	7.31	7.01	6.78	7.20	7.196
Equity Multiplier	4.85	-14.13	-14.13	-14.13	-14.13	-1.80	-1.80	-1.80	-1.80	-2.29	-2.29	-2.29	-2.29	-1.78	-1.78	-1.78	-1.78	-1.07	-1.07	-1.07	-1.070
Cash Ratio	snapshot only																				0.158
Debt Service Coverage	snapshot only																				7.296
Cash to Debt	snapshot only																				0.044
FCF to Debt	snapshot only																				0.290
Defensive Interval	snapshot only																				317.5 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.89	0.83	0.84	0.85	0.86	0.92	0.93	0.95	0.98	1.00	1.03	1.06	1.10	1.04	1.08	1.12	1.17	1.11	1.15	1.26	1.258
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	5.38	4.07	4.10	4.18	4.22	4.34	4.41	4.48	4.64	4.26	4.37	4.52	4.66	4.22	4.36	4.52	4.74	4.17	4.32	4.72	4.720
Payables Turnover	15.33	15.19	14.26	13.50	13.34	15.89	16.28	16.70	16.34	17.15	17.53	17.94	18.85	16.81	17.00	17.02	16.98	12.91	12.91	13.04	13.040
DSO	68	90	89	87	87	84	83	81	79	86	84	81	78	87	84	81	77	88	85	77	77.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	24	24	26	27	27	23	22	22	22	21	21	20	19	22	21	21	21	28	28	28	28.0 days
Cash Conversion Cycle	44	66	63	60	59	61	60	60	56	64	63	60	59	65	62	59	56	59	56	49	49.3 days
Fixed Asset Turnover	snapshot only																				24.017
Cash Velocity	snapshot only																				16.817
Capital Intensity	snapshot only																				0.828

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	10.7%	1.7%	1.4%	1.5%	0.5%	4.6%	5.5%	5.2%	8.0%	9.9%	10.8%	12.8%	12.3%	13.5%	14.5%	14.7%	16.7%	15.9%	16.2%	22.6%	22.57%
Net Income	57.6%	65.8%	45.7%	53.1%	0.8%	-4.7%	-1.1%	-10.1%	13.6%	14.9%	17.2%	25.5%	14.3%	19.4%	20.2%	20.0%	32.2%	27.1%	20.9%	31.6%	31.63%
EPS	60.6%	73.4%	57.7%	71.2%	13.8%	6.3%	7.0%	-6.5%	16.0%	16.3%	18.3%	26.8%	15.8%	20.4%	22.1%	22.2%	34.6%	32.0%	25.2%	36.8%	36.83%
FCF	55.3%	21.4%	27.9%	-6.1%	-2.6%	20.9%	1.2%	1.4%	-0.8%	-7.7%	4.8%	6.4%	23.6%	30.7%	36.4%	45.0%	35.7%	23.2%	9.1%	31.8%	31.79%
EBITDA	62.0%	63.5%	48.5%	50.1%	6.5%	4.1%	4.9%	-1.6%	16.7%	18.4%	15.9%	20.1%	14.3%	14.7%	16.4%	16.8%	25.2%	24.9%	27.8%	39.6%	39.63%
Op. Income	69.5%	70.8%	55.4%	58.5%	10.0%	7.3%	7.8%	-0.4%	16.8%	18.5%	15.3%	19.8%	14.9%	14.1%	16.5%	18.0%	26.0%	26.1%	28.6%	39.8%	39.82%
OCF Growth	snapshot only																				28.02%
Asset Growth	snapshot only																				8.75%
Debt Growth	snapshot only																				37.12%
Shares Change	snapshot only																				-3.80%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	10.5%	8.4%	7.8%	7.8%	6.3%	5.9%	5.4%	5.1%	6.3%	5.3%	5.8%	6.4%	6.8%	9.3%	10.2%	10.8%	12.3%	13.1%	13.8%	16.6%	16.60%
Revenue 5Y	9.1%	8.4%	8.0%	7.9%	8.3%	8.1%	8.1%	7.8%	7.9%	8.0%	7.9%	8.2%	7.8%	8.2%	8.2%	8.5%	9.5%	9.0%	9.5%	11.1%	11.11%
EPS 3Y	43.5%	43.6%	40.5%	46.2%	31.9%	32.1%	30.3%	24.9%	28.5%	28.9%	25.9%	26.6%	15.2%	14.2%	15.6%	13.2%	21.8%	22.7%	21.8%	28.5%	28.48%
EPS 5Y	29.6%	32.3%	29.2%	32.0%	30.7%	29.5%	32.4%	30.5%	31.3%	29.6%	28.6%	29.9%	25.2%	26.4%	26.1%	24.8%	27.0%	27.8%	25.0%	27.7%	27.68%
Net Income 3Y	40.4%	40.2%	36.0%	39.7%	25.2%	24.8%	23.1%	18.2%	21.8%	22.0%	19.1%	20.0%	9.4%	9.4%	11.7%	10.6%	19.7%	20.4%	19.4%	25.6%	25.60%
Net Income 5Y	27.0%	29.1%	25.0%	26.8%	25.1%	23.8%	26.8%	25.2%	26.0%	24.7%	23.9%	25.2%	20.5%	21.7%	21.3%	20.0%	22.2%	22.5%	19.7%	22.2%	22.24%
EBITDA 3Y	32.1%	30.8%	30.4%	33.3%	22.2%	25.0%	25.9%	23.4%	26.3%	26.3%	21.8%	21.1%	12.4%	12.2%	12.3%	11.4%	18.7%	19.3%	19.9%	25.1%	25.11%
EBITDA 5Y	20.8%	21.6%	21.7%	23.4%	22.5%	21.3%	22.2%	22.0%	23.4%	22.5%	22.0%	22.9%	19.5%	21.5%	21.9%	21.4%	23.6%	23.6%	21.8%	23.7%	23.68%
Gross Profit 3Y	12.8%	10.9%	10.7%	11.6%	9.9%	9.3%	8.9%	8.2%	10.1%	8.8%	9.1%	9.6%	9.4%	11.6%	11.9%	12.1%	13.8%	15.0%	16.2%	19.8%	19.76%
Gross Profit 5Y	10.1%	9.8%	10.1%	10.6%	11.2%	10.8%	10.7%	10.2%	10.7%	10.7%	10.5%	11.0%	10.2%	10.7%	11.0%	11.3%	12.6%	11.9%	12.5%	14.3%	14.33%
Op. Income 3Y	36.1%	36.7%	35.8%	39.6%	27.4%	28.9%	30.3%	26.6%	29.6%	29.5%	24.5%	23.7%	13.9%	13.2%	13.1%	12.1%	19.1%	19.5%	20.0%	25.5%	25.50%
Op. Income 5Y	23.5%	24.4%	24.8%	26.9%	26.5%	25.1%	25.9%	25.4%	26.5%	26.6%	25.5%	26.6%	22.6%	23.7%	24.3%	23.4%	25.8%	25.6%	23.7%	25.5%	25.55%
FCF 3Y	34.9%	29.5%	30.5%	27.1%	31.1%	28.7%	23.9%	19.2%	14.5%	10.7%	10.7%	0.4%	6.1%	13.4%	13.1%	16.1%	18.5%	14.1%	16.0%	26.7%	26.68%
FCF 5Y	17.6%	18.3%	23.5%	18.6%	21.3%	19.6%	18.5%	19.1%	18.8%	19.4%	18.7%	17.2%	22.5%	20.8%	22.1%	21.2%	20.3%	16.9%	15.1%	14.1%	14.11%
OCF 3Y	29.2%	23.9%	24.6%	22.1%	26.6%	25.1%	20.6%	15.9%	11.5%	8.7%	9.2%	0.4%	6.8%	14.3%	14.4%	17.2%	19.6%	15.2%	16.7%	26.9%	26.88%
OCF 5Y	17.6%	18.0%	21.5%	16.3%	18.5%	17.7%	16.6%	16.8%	15.7%	16.0%	15.4%	14.7%	20.5%	19.4%	21.0%	19.9%	19.2%	16.4%	14.7%	13.8%	13.84%
Assets 3Y	8.6%	7.7%	7.7%	7.7%	7.7%	0.2%	0.2%	0.2%	0.2%	-0.6%	-0.6%	-0.6%	-0.6%	3.1%	3.1%	3.1%	3.1%	9.0%	9.0%	9.0%	9.01%
Assets 5Y	5.5%	5.1%	5.1%	5.1%	5.1%	2.8%	2.8%	2.8%	2.8%	4.6%	4.6%	4.6%	4.6%	3.7%	3.7%	3.7%	3.7%	3.1%	3.1%	3.1%	3.07%
Equity 3Y	-8.1%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value 3Y	-6.1%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.98	0.97	0.97	0.97	0.97	0.95	0.95	0.94	0.96	0.95	0.96	0.95	0.95	0.94	0.91	0.90	0.91	0.87	0.88	0.85	0.847
Earnings Stability	0.84	0.83	0.87	0.87	0.93	0.89	0.95	0.91	0.95	0.92	0.96	0.92	0.94	0.92	0.96	0.92	0.91	0.91	0.94	0.89	0.889
Margin Stability	0.98	0.97	0.96	0.95	0.95	0.95	0.95	0.95	0.94	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.948
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.82	0.50	1.00	0.98	1.00	0.96	0.95	0.94	0.93	0.90	0.94	0.92	0.92	0.92	0.87	0.89	0.92	0.87	0.873
Earnings Smoothness	0.55	0.50	0.63	0.58	0.99	0.95	0.99	0.89	0.87	0.86	0.84	0.77	0.87	0.82	0.82	0.82	0.72	0.76	0.81	0.73	0.727
ROE Trend	0.35	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Margin Trend	0.03	0.03	0.05	0.06	0.06	0.05	0.03	0.02	0.03	0.03	0.02	0.02	0.01	0.01	0.01	0.02	0.03	0.03	0.03	0.04	0.039
FCF Margin Trend	0.13	0.08	0.11	0.04	0.04	0.07	0.02	-0.02	-0.03	-0.03	-0.03	-0.02	0.02	0.02	0.05	0.07	0.07	0.05	0.01	0.07	0.066
Sustainable Growth Rate	1.2%	3.6%	3.5%	3.9%	3.3%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Internal Growth Rate	31.7%	32.8%	32.6%	36.7%	30.2%	33.0%	34.5%	34.2%	38.5%	39.8%	42.9%	46.8%	46.5%	45.2%	49.4%	54.0%	62.4%	57.1%	57.9%	73.5%	73.51%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.28	1.08	1.21	1.03	1.24	1.36	1.24	1.16	1.07	1.09	1.10	1.00	1.19	1.23	1.30	1.23	1.24	1.19	1.15	1.19	1.194
FCF/OCF	0.99	0.98	0.99	0.98	0.98	0.99	0.99	0.99	0.99	0.99	0.99	0.97	0.97	0.96	0.96	0.96	0.96	0.96	0.97	0.98	0.984
FCF/Net Income	snapshot only																				1.175
OCF/EBITDA	snapshot only																				0.780
CapEx/Revenue	0.5%	0.6%	0.4%	0.5%	0.5%	0.4%	0.4%	0.4%	0.3%	0.3%	0.3%	0.8%	1.2%	1.5%	1.8%	1.7%	1.7%	1.5%	1.2%	0.6%	0.65%
CapEx/Depreciation	snapshot only																				0.921
Accruals Ratio	-0.07	-0.02	-0.05	-0.01	-0.06	-0.09	-0.06	-0.04	-0.02	-0.03	-0.03	0.00	-0.06	-0.07	-0.10	-0.08	-0.09	-0.07	-0.06	-0.08	-0.082
Sloan Accruals	snapshot only																				-0.221
Cash Flow Adequacy	snapshot only																				61.947
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	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%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	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%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	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%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	1.5%	2.2%	3.3%	3.2%	3.7%	3.0%	1.8%	1.4%	81.5%	94.4%	88.8%	96.6%	1.3%	1.6%	1.7%	1.7%	1.9%	2.2%	2.2%	2.4%	2.38%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	3.9%	7.7%	10.9%	11.2%	13.3%	10.5%	4.6%	3.0%	1.7%	1.8%	1.4%	1.5%	1.7%	1.7%	1.8%	2.1%	2.6%	3.9%	3.5%	7.1%	7.14%
Net Buyback Yield	3.7%	7.5%	10.8%	11.1%	13.1%	10.3%	4.5%	2.8%	1.6%	1.7%	1.3%	1.4%	1.6%	1.6%	1.8%	2.0%	2.6%	3.8%	3.4%	7.0%	7.02%
Total Shareholder Return	3.7%	7.5%	10.8%	11.1%	13.1%	10.3%	4.5%	2.8%	1.6%	1.7%	1.3%	1.4%	1.6%	1.6%	1.8%	2.0%	2.6%	3.8%	3.4%	7.0%	7.02%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.82	0.83	0.80	0.80	0.79	0.79	0.80	0.78	0.80	0.78	0.80	0.80	0.78	0.80	0.82	0.82	0.82	0.81	0.78	0.77	0.769
Interest Burden (EBT/EBIT)	0.92	0.92	0.92	0.91	0.89	0.87	0.86	0.85	0.85	0.85	0.85	0.86	0.86	0.86	0.86	0.86	0.86	0.86	0.85	0.86	0.861
EBIT Margin	0.36	0.39	0.40	0.43	0.38	0.39	0.40	0.40	0.42	0.43	0.43	0.44	0.43	0.44	0.44	0.44	0.46	0.47	0.48	0.51	0.508
Asset Turnover	0.89	0.83	0.84	0.85	0.86	0.92	0.93	0.95	0.98	1.00	1.03	1.06	1.10	1.04	1.08	1.12	1.17	1.11	1.15	1.26	1.258
Equity Multiplier	4.90	14.42	14.42	14.42	14.42	-3.30	-3.30	-3.30	-3.30	-2.03	-2.03	-2.03	-2.03	-2.00	-2.00	-2.00	-2.00	-1.32	-1.32	-1.32	-1.324

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$12.52	$13.74	$14.19	$16.13	$14.25	$14.61	$15.18	$15.08	$16.52	$16.99	$17.95	$19.12	$19.13	$20.45	$21.92	$23.38	$25.74	$26.98	$27.46	$31.99	$31.99
Book Value/Share	$11.34	$-3.89	$-4.03	$-4.20	$-4.29	$-31.36	$-31.52	$-31.55	$-31.65	$-27.22	$-27.28	$-27.35	$-27.50	$-38.39	$-38.78	$-39.00	$-39.17	$-72.26	$-72.87	$-73.51	$-88.95
Tangible Book/Share	$-16.80	$-31.66	$-32.82	$-34.19	$-34.92	$-61.20	$-61.51	$-61.57	$-61.77	$-57.86	$-57.98	$-58.13	$-58.45	$-69.60	$-70.30	$-70.71	$-71.02	$-104.68	$-105.56	$-106.50	$-106.50
Revenue/Share	$46.46	$46.14	$48.19	$51.18	$52.70	$53.86	$55.02	$55.98	$58.12	$59.89	$61.49	$63.78	$66.10	$68.48	$71.51	$74.55	$78.49	$82.40	$86.10	$94.99	$95.47
FCF/Share	$15.81	$14.59	$16.91	$16.40	$17.37	$19.69	$18.51	$17.27	$17.59	$18.39	$19.58	$18.57	$22.03	$24.22	$27.13	$27.44	$30.43	$30.96	$30.68	$37.59	$37.78
OCF/Share	$16.04	$14.85	$17.10	$16.65	$17.64	$19.92	$18.75	$17.48	$17.75	$18.55	$19.77	$19.08	$22.81	$25.24	$28.39	$28.71	$31.81	$32.24	$31.68	$38.21	$38.40
Cash/Share	$5.39	$6.85	$7.10	$7.39	$7.55	$5.21	$5.24	$5.24	$5.26	$5.41	$5.42	$5.44	$5.47	$6.01	$6.07	$6.10	$6.13	$5.55	$5.60	$5.65	$9.29
EBITDA/Share	$17.49	$18.89	$20.22	$22.83	$21.02	$21.93	$22.93	$23.36	$25.05	$26.27	$26.82	$28.35	$29.00	$30.36	$31.70	$33.73	$36.97	$39.37	$41.99	$48.96	$48.96
Debt/Share	$31.09	$46.78	$48.49	$50.52	$51.60	$74.78	$75.16	$75.23	$75.47	$75.25	$75.42	$75.61	$76.03	$89.42	$90.33	$90.85	$91.25	$127.27	$128.34	$129.48	$129.48
Net Debt/Share	$25.70	$39.94	$41.40	$43.13	$44.05	$69.57	$69.92	$69.99	$70.21	$69.84	$69.99	$70.17	$70.56	$83.41	$84.26	$84.74	$85.12	$121.72	$122.75	$123.83	$123.83

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	10.762
Altman Z-Prime	snapshot only																				18.930
Piotroski F-Score	9	7	7	7	7	6	7	6	8	9	9	8	8	9	9	9	9	8	8	8	8
Beneish M-Score	-2.69	-2.67	-2.84	-2.61	-2.79	-2.88	-2.73	-2.65	-2.58	-2.40	-2.42	-2.28	-2.55	-2.72	-2.84	-2.74	-2.78	-2.58	-2.53	-2.60	-2.598
Ohlson O-Score	snapshot only																				-1.357
Net-Net WC	snapshot only																				$-122.48
EVA	snapshot only																				$754596051.60

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A-
Credit Score	87.09	79.62	80.44	80.50	79.20	72.89	73.12	70.07	70.27	73.49	74.09	75.99	76.47	74.00	73.83	75.90	77.10	64.81	64.58	69.46	69.463
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-6.435
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				63
Sector Credit Rank	snapshot only																				55

FICO NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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