FICO Stock Analysis: Fair Isaac | NYSE
Software - Application | NYSE, USA | Market Cap: 16.629m USD | 12M Return: -52.4% | US3032501047 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 756M
EPS Trend: 99.0%
Qual. Beats: 0
Rev. Trend: 98.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Fair Isaac Corporation (FICO) is an analytics software provider operating globally across the Americas, Europe, the Middle East, Africa, and Asia Pacific. The company is organized into two segments: Scores, which delivers business-to-business predictive credit and other scoring solutions as well as consumer-facing offerings through myFICO.com subscriptions, and Software, which provides pre-configured analytic and decision management solutions for account origination, customer management, fraud detection, and marketing. The Software segment also includes the FICO Platform, a modular offering, along with a broad suite of products such as FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, and pre-configured solutions like FICO Fraud Solutions and FICO Originations. Distribution occurs through a direct sales force, indirect channels, and online. The company was founded in 1956, originally as Fair Isaac & Company, Inc., and is headquartered in Bozeman, Montana.
FICO is best known for the widely adopted FICO Score, a consumer credit score used by U.S. lenders in mortgage, credit card, and other lending decisions, which underpins the companys Scores segment. Operating within the Application Software sub-industry of Information Technology, FICO combines subscription-based consumer services with enterprise software licensing and professional services revenue.
- Mortgage volume swings drive Scores segment revenue
- Banks boost spending on fraud and origination software
- VantageScore competition and CFPB rules pressure pricing
| Net Income: 815.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.49 > 0.02 and ΔFCF/TA 8.72 > 1.0 |
| NWC/Revenue: 5.70% < 20% (prev -3.15%; Δ 8.85% < -1%) |
| CFO/TA 0.49 > 3% & CFO 1.00b > Net Income 815.0m |
| Net Debt (5.37b) to EBITDA (1.27b): 4.23 < 3 |
| Current Ratio: 1.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (22.7m) vs 12m ago -7.62% < -2% |
| Gross Margin: 85.10% > 18% (prev 81.75%; Δ 3.35% > 0.5%) |
| Asset Turnover: 122.8% > 50% (prev 103.6%; Δ 19.17% > 0%) |
| Interest Coverage Ratio: 6.72 > 6 (EBIT TTM 1.25b / Interest Expense TTM 186.3m) |
| A: 0.07 (Total Current Assets 881.6m - Total Current Liabilities 745.2m) / Total Assets 2.04b |
| B: 2.56 (Retained Earnings 5.21b / Total Assets 2.04b) |
| C: 0.64 (EBIT TTM 1.25b / Avg Total Assets 1.95b) |
| D: -0.67 (Book Value of Equity -4.10b / Total Liabilities 6.13b) |
| Altman-Z'' = 12.39 = AAA |
| DSRI: 1.05 (Receivables 592.5m/454.1m, Revenue 2.39b/1.93b) |
| GMI: 0.96 (GM 81.75% / 85.10%) |
| AQI: 0.89 (AQ_t 0.51 / AQ_t-1 0.57) |
| SGI: 1.24 (Revenue 2.39b / 1.93b) |
| TATA: -0.09 (NI 815.0m - CFO 1.00b) / TA 2.04b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of October 17, 2026, the stock is trading at USD 771.19 with a total of 763,284 shares traded. Over the past week, the price has changed by +15.52%, over one month by -22.21%, over three months by -37.87% and over the past year by -52.40%.
Current recommended Stop Loss: 711.00 (which is 7.8% or 1.2 ATR below the current price).
Fair Isaac has received a consensus analysts rating of 3.71. Therefore, it is recommended to hold FICO.
- StrongBuy: 7
- Buy: 5
- Hold: 7
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 1057.2 | 37.1% |
P/E Trailing = 24.7089
P/E Forward = 16.0772
P/S = 6.9472
P/B = 82.3284
P/EG = 0.7021
Revenue TTM = 2.39b USD
EBIT TTM = 1.25b USD
EBITDA TTM = 1.27b USD
Long Term Debt = 5.28b USD (from longTermDebt, last quarter)
Short Term Debt = 300.0m USD (from shortTermDebt, last quarter)
Debt = 5.61b USD (from shortLongTermDebtTotal, last quarter) + Leases 15.6m
Net Debt = 5.37b USD (calculated: Debt 5.61b - CCE 248.4m)
Enterprise Value = 22.0b USD (16.6b + Debt 5.61b - CCE 248.4m)
Interest Coverage Ratio = 6.72 (Ebit TTM 1.25b / Interest Expense TTM 186.3m)
EV/FCF = 22.08x (Enterprise Value 22.0b / FCF TTM 996.0m)
FCF Yield = 4.53% (FCF TTM 996.0m / Enterprise Value 22.0b)
FCF Margin = 41.61% (FCF TTM 996.0m / Revenue TTM 2.39b)
Net Margin = 34.05% (Net Income TTM 815.0m / Revenue TTM 2.39b)
Gross Margin = 85.10% ((Revenue TTM 2.39b - Cost of Revenue TTM 356.7m) / Revenue TTM)
Gross Margin QoQ = 87.09% (prev 86.81%)
Tobins Q-Ratio = 10.80 (Enterprise Value 22.0b / Total Assets 2.04b)
Interest Expense / Debt = 3.32% (Interest Expense 186.3m / Debt 5.61b)
Taxrate = 23.48% (250.1m / 1.07b)
NOPAT = 957.6m (EBIT 1.25b * (1 - 23.48%))
Current Ratio = 1.18 (Total Current Assets 881.6m / Total Current Liabilities 745.2m)
Debt / Equity = -1.37 (negative equity) (Debt 5.61b / totalStockholderEquity, last quarter -4.10b)
Debt / EBITDA = 4.23 (Net Debt 5.37b / EBITDA 1.27b)
Debt / FCF = 5.39 (Net Debt 5.37b / FCF TTM 996.0m)
Total Stockholder Equity = -2.44b (last 4 quarters mean from totalStockholderEquity)
RoA = 41.80% (Net Income 815.0m / Total Assets 2.04b)
RoE = -33.43% (negative equity) (Net Income TTM 815.0m / Total Stockholder Equity -2.44b)
RoCE = 44.00% (EBIT 1.25b / Capital Employed (Equity -2.44b + L.T.Debt 5.28b))
RoIC = 65.03% (NOPAT 957.6m / Invested Capital 1.47b)
WACC = 5.06% (E(16.6b)/V(22.2b) * Re(5.91%) + D(5.61b)/V(22.2b) * Rd(3.32%) * (1-Tc(0.23)))
Discount Rate = 5.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -92.76 | Cagr: -4.45%
[DCF] Terminal Value 77.97% ; FCFF base≈896.8m ; Y1≈1.03b ; Y5≈1.51b
[DCF] Fair Price = 805.8 (EV 22.8b - Net Debt 5.37b = Equity 17.4b / Shares 21.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.00 | EPS CAGR: 25.51% | SUE: 0.17 | # QB: 0
Revenue Correlation: 98.90 | Revenue CAGR: 17.43% | SUE: -0.11 | # QB: 0
EPS current Quarter (2026-12-31): EPS=10.22 | Chg30d=-2.84% | Revisions=-38% | Analysts=15
EPS current Year (2026-09-30): EPS=42.81 | Chg30d=-0.48% | Revisions=-50% | GrowthEPS=+43.3% | GrowthRev=+27.3%
EPS next Year (2027-09-30): EPS=49.91 | Chg30d=-6.03% | Revisions=-77% | GrowthEPS=+16.6% | GrowthRev=+9.9%
[Analyst] Revisions Ratio: -72% (up=2, down=20)