Fair Isaac Corporation (FICO) exhibits 82.2% gross margins and 59.6% return on invested capital within Consumer Discretionary (Business Services), balanced against a 19.3x enterprise multiple and 4.8% implied options volatility.
Sustained 82.2% gross profitability converts into 46.5% operating margin and 59.6% ROIC, outpacing sector cost of capital.
ROIC: 59.6% // GM: 82.2%YoY revenue trajectory of +15.9% paired with 5.03% free cash flow yield supports self-funded R&D and capital return.
REV YOY: +15.9% // FCF YLD: 5.03%Altman Z-Score of 8.75 and Piotroski F-Score of 8/9 indicate low near-term refinancing stress.
ALTMAN Z: 8.75 // F-SCORE: 8/9Trading at 23.5x trailing P/E (19.7x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 23.5x // EV/EBITDA: 19.3xOptions market prices a ±5.2% implied move with a 0.85 put/call ratio around $711.23 max pain.
IMPL MOVE: ±5.2% // P/C: 0.85Elevated industry capital intensity and customer concentration in Business Services require continuous execution to defend 32.7% net margins.
NET MARGIN: 32.7% // D/E: 0.85x| FILER | SIDE | $ VALUE |
|---|---|---|
| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
|---|---|---|
| INSPECT GEX & CHAIN IN OPT <GO> | ||
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