Mulya.ai
Ticker
FICO
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedYes · 5yr amort
Leases factoredNo
Key Assumptions
WACC ?9.8%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.277
Beta (levered) ?1.401
Terminal OM% ?36.2%
Segment conc. ?59% dominant
Terminal growth ?4.1%
Bond rating ?AA · 0.90%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

FICO · Fair Isaac Corporation

$1089.762026-05-17
Sector: Technology; Industry: Software - Application; Sub-Industry: Application Software

Intrinsic Value Range Comparison · Mulya.ai

R&D capitalized (5yr)
Bull
$820
-24.8% vs market
Base · active
$715
-34.4% vs market
Bear
$434
-60.2% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $434
Base $715
Bull $820
Market $1090
Median $2225
Market Price $1090
Mulya.ai Base $715
Analysts Median $2225
Mulya.ai IV range ($434 · $820)
Analysts Range ($1777 · $2400)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2022.Q1$1.3B40.7%20.3%$427MM$123MM$550MM7.3%30.5%$1.4B$16.37
2023.Q1$1.4B4.6%41.7%20.3%$458MM−$97MM$361MM9.3%32.7%$1.4B$15.59
2024.Q1$1.5B9.9%45.0%20.0%$545MM−$102MM$443MM9.2%37.2%$1.5B$17.92
2025.Q1$1.7B13.5%45.3%17.7%$640MM−$61MM$578MM10.4%41.3%$1.6B$21.40
2026.Q1$2.1B20.1%50.3%22.1%$808MM−$131MM$678MM9.9%48.6%$1.8B$27.4625.2
italics below = DCF projection · 10yr Rev CAGR: 9.4%
2027.Q1$2.6B+25.9%49.3%21.9%$1,000MM−$116MM$884MM9.7%$806MM55.0%$1.9B$39.3927.7
2028.Q1$3.0B+15.9%49.3%21.7%$1.2B−$97MM$1.1B9.6%$886MM60.4%$2.0B$45.7923.8
2029.Q1$3.3B+11.2%49.3%21.5%$1.3B−$87MM$1.2B9.5%$919MM64.3%$2.1B$51.0421.4
2030.Q1$3.6B+7.5%49.3%21.3%$1.4B−$72MM$1.3B9.3%$921MM66.6%$2.1B$54.9919.8
2031.Q1$3.9B+7.7%49.3%21.1%$1.5B−$90MM$1.4B9.2%$902MM69.3%$2.2B$59.3918.3
Term. Yr+$5.3B4.1%36.2%20.0%$1.5B−$266MM$1.3B8.6%$11.7B23.6%
Active scenario IV: $715 (-34.4% vs market)