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) ?1.283
Beta (levered) ?1.414
Terminal OM% ?35.7%
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 · 2026-07-21

FICO · Fair Isaac Corporation

$1182.792026-07-21
Sector: Technology; Industry: Software - Application; Sub-Industry: Application Software

Intrinsic Value Range Comparison · Mulya.ai

R&D capitalized (5yr)
Bull
$718
-39.3% vs market
Base · active
$713
-39.7% vs market
Bear
$346
-70.7% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $346
Base $713
Bull $718
Market $1183
Median $1650
Market Price $1183
Mulya.ai Base $713
Analysts Median $1650
Mulya.ai IV range ($346 · $718)
Analysts Range ($1250 · $1950)
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
2024.Q2$1.5B44.3%20.0%$537MM−$157MM$380MM9.6%32.6%$1.6B$18.08
2025.Q1$1.7B13.5%44.6%17.7%$630MM−$54MM$576MM10.4%38.9%$1.6B$21.59
2025.Q2$1.7B0.0%44.6%17.8%$630MM−$96MM$534MM10.2%37.6%$1.8B$21.59
2026.Q1$2.0B15.9%48.5%22.1%$752MM−$121MM$631MM9.9%42.5%$1.8B$27.45
2026.Q2$2.3B13.3%52.6%23.1%$912MM−$86MM$827MM10.0%50.0%$1.9B$31.9923.7
italics below = DCF projection · 10yr Rev CAGR: 8.6%
2027.Q2$2.8B+23.7%48.5%22.8%$1.0B−$109MM$937MM9.7%$854MM54.6%$2.0B$42.1928.0
2028.Q2$3.2B+13.4%48.5%22.4%$1.2B−$83MM$1.1B9.6%$922MM59.2%$2.1B$48.0424.6
2029.Q2$3.4B+9.0%48.5%22.1%$1.3B−$69MM$1.2B9.5%$938MM62.4%$2.1B$52.5622.5
2030.Q2$3.7B+7.2%48.5%21.8%$1.4B−$68MM$1.3B9.4%$928MM65.1%$2.2B$56.5920.9
2031.Q2$4.0B+7.3%48.5%21.5%$1.5B−$83MM$1.4B9.3%$909MM67.7%$2.3B$60.9719.4
Term. Yr+$5.4B4.1%35.7%20.0%$1.5B−$266MM$1.3B8.6%$11.7B23.6%
Active scenario IV: $713 (-39.7% vs market)