FICO Stock Analysis: Fair Isaac | NYSE
Software - Application | NYSE, USA | Market Cap: 12.796m USD | 12M Return: -56.3% | US3032501047 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 449M
EPS Trend: 99.0%
Qual. Beats: 0
Rev. Trend: 98.9%
Qual. Beats: 0
Warnings
Tailwinds
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 02, 2026, the stock is trading at USD 661.75 with a total of 2,968,063 shares traded. Over the past week, the price has changed by -22.74%, over one month by -40.04%, over three months by -45.16% and over the past year by -56.25%.
Current recommended Stop Loss: 594.80 (which is 10.1% or 1.2 ATR below the current price).
Fair Isaac has received a consensus analysts rating of 3.84. Therefore, it is recommended to buy FICO.
- StrongBuy: 7
- Buy: 5
- Hold: 5
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 1256.4 | 89.9% |
P/E Trailing = 17.1532
P/E Forward = 16.0772
P/S = 5.346
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 = 18.2b USD (12.8b + Debt 5.61b - CCE 248.4m)
Interest Coverage Ratio = 6.72 (Ebit TTM 1.25b / Interest Expense TTM 186.3m)
EV/FCF = 18.23x (Enterprise Value 18.2b / FCF TTM 996.0m)
FCF Yield = 5.48% (FCF TTM 996.0m / Enterprise Value 18.2b)
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 = 8.91 (Enterprise Value 18.2b / 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 = 4.83% (E(12.8b)/V(18.4b) * Re(5.84%) + D(5.61b)/V(18.4b) * Rd(3.32%) * (1-Tc(0.23)))
Discount Rate = 5.84% (= 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=10.41 | Chg30d=-1.04% | Revisions=-28% | Analysts=15
EPS current Year (2026-09-30): EPS=42.99 | Chg30d=-0.24% | Revisions=-23% | GrowthEPS=+43.9% | GrowthRev=+27.6%
EPS next Year (2027-09-30): EPS=52.04 | Chg30d=-2.09% | Revisions=-30% | GrowthEPS=+21.1% | GrowthRev=+12.6%
[Analyst] Revisions Ratio: -30% (up=14, down=27)