(FICO) Fair Isaac - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US3032501047
Credit Scores, Decision Software, Fraud Detection, Optimization Tools
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 37.4% |
| Value at Risk 5%th | 56.6% |
| Relative Tail Risk | -7.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.44 |
| Alpha | -38.47 |
| CAGR/Max DD | 0.93 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.484 |
| Beta | 0.970 |
| Beta Downside | 1.048 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.96% |
| Mean DD | 10.41% |
| Median DD | 3.67% |
Description: FICO Fair Isaac December 03, 2025
Fair Isaac Corporation (FICO) delivers analytics software worldwide, split between a Scores segment that supplies B2B and B2C predictive credit scores (including the myFICO subscription service) and a Software segment that offers pre-configured decision-management platforms for origination, fraud detection, customer engagement, and optimization. The company sells primarily through direct sales, indirect partners, and online channels, and has operated under its current name since 1992.
In FY 2023, FICO generated $1.6 billion in revenue, with the Scores segment contributing roughly 55 % and the Software segment the remainder; operating margin improved to 30 % as subscription-based pricing and AI-enhanced modules drove higher recurring revenue. Key economic drivers include tightening credit conditions, which increase demand for sophisticated risk-scoring tools, and the broader enterprise shift toward AI-powered decision automation across banking, insurance, and fintech firms.
Analysts watch metrics such as the growth rate of the myFICO subscriber base (up ~12 % YoY) and the adoption rate of the FICO Platform in cloud environments, both of which signal market penetration of the company’s modular analytics stack. For a deeper dive into how these trends translate into valuation insights, you might explore the detailed analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 8.5
| Net Income (651.9m TTM) > 0 and > 6% of Revenue (6% = 119.5m TTM) |
| FCFTA 0.40 (>2.0%) and ΔFCFTA 4.68pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -7.24% (prev 13.81%; Δ -21.04pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.42 (>3.0%) and CFO 778.8m > Net Income 651.9m (YES >=105%, WARN >=100%) |
| Net Debt (2.94b) to EBITDA (911.3m) ratio: 3.23 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.83 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (24.2m) change vs 12m ago -3.66% (target <= -2.0% for YES) |
| Gross Margin 82.23% (prev 79.69%; Δ 2.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 111.0% (prev 99.98%; Δ 11.06pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.71 (EBITDA TTM 911.3m / Interest Expense TTM 133.6m) >= 6 (WARN >= 3) |
Altman Z'' 12.09
| (A) -0.08 = (Total Current Assets 705.2m - Total Current Liabilities 849.2m) / Total Assets 1.87b |
| (B) 2.44 = Retained Earnings (Balance) 4.55b / Total Assets 1.87b |
| warn (B) unusual magnitude: 2.44 — check mapping/units |
| (C) 0.50 = EBIT TTM 896.4m / Avg Total Assets 1.79b |
| (D) 1.23 = Book Value of Equity 4.46b / Total Liabilities 3.61b |
| Total Rating: 12.09 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 79.12
| 1. Piotroski 8.50pt |
| 2. FCF Yield 1.63% |
| 3. FCF Margin 37.57% |
| 4. Debt/Equity -1.76 |
| 5. Debt/Ebitda 3.23 |
| 6. ROIC - WACC (= 42.02)% |
| 7. RoE -48.24% |
| 8. Rev. Trend 96.22% |
| 9. EPS Trend 92.73% |
What is the price of FICO shares?
As of December 05, 2025, the stock is trading at USD 1771.87 with a total of 97,106 shares traded.
Over the past week, the price has changed by -1.88%, over one month by +10.32%, over three months by +16.65% and over the past year by -25.42%.
Over the past week, the price has changed by -1.88%, over one month by +10.32%, over three months by +16.65% and over the past year by -25.42%.
Is FICO a buy, sell or hold?
Fair Isaac has received a consensus analysts rating of 3.84.
Therefore, it is recommended to buy FICO.
- Strong Buy: 7
- Buy: 5
- Hold: 5
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the FICO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 2031.8 | 14.7% |
| Analysts Target Price | 2031.8 | 14.7% |
| ValueRay Target Price | 2231 | 25.9% |
FICO Fundamental Data Overview November 25, 2025
Market Cap USD = 42.92b (42.92b USD * 1.0 USD.USD)
P/E Trailing = 67.5557
P/E Forward = 41.6667
P/S = 21.5601
P/B = 82.3284
P/EG = 1.6087
Beta = 1.296
Revenue TTM = 1.99b USD
EBIT TTM = 896.4m USD
EBITDA TTM = 911.3m USD
Long Term Debt = 2.66b USD (from longTermDebt, last quarter)
Short Term Debt = 399.5m USD (from shortTermDebt, last quarter)
Debt = 3.07b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.94b USD (from netDebt column, last quarter)
Enterprise Value = 45.86b USD (42.92b + Debt 3.07b - CCE 134.1m)
Interest Coverage Ratio = 6.71 (Ebit TTM 896.4m / Interest Expense TTM 133.6m)
FCF Yield = 1.63% (FCF TTM 748.1m / Enterprise Value 45.86b)
FCF Margin = 37.57% (FCF TTM 748.1m / Revenue TTM 1.99b)
Net Margin = 32.75% (Net Income TTM 651.9m / Revenue TTM 1.99b)
Gross Margin = 82.23% ((Revenue TTM 1.99b - Cost of Revenue TTM 353.7m) / Revenue TTM)
Gross Margin QoQ = 82.32% (prev 83.67%)
Tobins Q-Ratio = 24.55 (Enterprise Value 45.86b / Total Assets 1.87b)
Interest Expense / Debt = 1.30% (Interest Expense 39.9m / Debt 3.07b)
Taxrate = 23.43% (47.4m / 202.5m)
NOPAT = 686.3m (EBIT 896.4m * (1 - 23.43%))
Current Ratio = 0.83 (Total Current Assets 705.2m / Total Current Liabilities 849.2m)
Debt / Equity = -1.76 (negative equity) (Debt 3.07b / totalStockholderEquity, last quarter -1.75b)
Debt / EBITDA = 3.23 (Net Debt 2.94b / EBITDA 911.3m)
Debt / FCF = 3.93 (Net Debt 2.94b / FCF TTM 748.1m)
Total Stockholder Equity = -1.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 34.90% (Net Income 651.9m / Total Assets 1.87b)
RoE = -48.24% (negative equity) (Net Income TTM 651.9m / Total Stockholder Equity -1.35b)
RoCE = 68.70% (EBIT 896.4m / Capital Employed (Equity -1.35b + L.T.Debt 2.66b))
RoIC = 51.04% (NOPAT 686.3m / Invested Capital 1.34b)
WACC = 9.02% (E(42.92b)/V(46.00b) * Re(9.59%) + D(3.07b)/V(46.00b) * Rd(1.30%) * (1-Tc(0.23)))
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 74.79% ; FCFE base≈691.8m ; Y1≈779.8m ; Y5≈1.05b
Fair Price DCF = 586.2 (DCF Value 13.90b / Shares Outstanding 23.7m; 5y FCF grow 14.78% → 3.0% )
EPS Correlation: 92.73 | EPS CAGR: 21.75% | SUE: 1.08 | # QB: 3
Revenue Correlation: 96.22 | Revenue CAGR: 13.35% | SUE: 0.15 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.47 | Chg30d=+0.165 | Revisions Net=+7 | Analysts=14
EPS current Year (2026-09-30): EPS=40.95 | Chg30d=+1.832 | Revisions Net=+13 | Growth EPS=+37.0% | Growth Revenue=+23.0%
EPS next Year (2027-09-30): EPS=51.21 | Chg30d=+1.234 | Revisions Net=+9 | Growth EPS=+25.1% | Growth Revenue=+14.9%
P/E Trailing = 67.5557
P/E Forward = 41.6667
P/S = 21.5601
P/B = 82.3284
P/EG = 1.6087
Beta = 1.296
Revenue TTM = 1.99b USD
EBIT TTM = 896.4m USD
EBITDA TTM = 911.3m USD
Long Term Debt = 2.66b USD (from longTermDebt, last quarter)
Short Term Debt = 399.5m USD (from shortTermDebt, last quarter)
Debt = 3.07b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.94b USD (from netDebt column, last quarter)
Enterprise Value = 45.86b USD (42.92b + Debt 3.07b - CCE 134.1m)
Interest Coverage Ratio = 6.71 (Ebit TTM 896.4m / Interest Expense TTM 133.6m)
FCF Yield = 1.63% (FCF TTM 748.1m / Enterprise Value 45.86b)
FCF Margin = 37.57% (FCF TTM 748.1m / Revenue TTM 1.99b)
Net Margin = 32.75% (Net Income TTM 651.9m / Revenue TTM 1.99b)
Gross Margin = 82.23% ((Revenue TTM 1.99b - Cost of Revenue TTM 353.7m) / Revenue TTM)
Gross Margin QoQ = 82.32% (prev 83.67%)
Tobins Q-Ratio = 24.55 (Enterprise Value 45.86b / Total Assets 1.87b)
Interest Expense / Debt = 1.30% (Interest Expense 39.9m / Debt 3.07b)
Taxrate = 23.43% (47.4m / 202.5m)
NOPAT = 686.3m (EBIT 896.4m * (1 - 23.43%))
Current Ratio = 0.83 (Total Current Assets 705.2m / Total Current Liabilities 849.2m)
Debt / Equity = -1.76 (negative equity) (Debt 3.07b / totalStockholderEquity, last quarter -1.75b)
Debt / EBITDA = 3.23 (Net Debt 2.94b / EBITDA 911.3m)
Debt / FCF = 3.93 (Net Debt 2.94b / FCF TTM 748.1m)
Total Stockholder Equity = -1.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 34.90% (Net Income 651.9m / Total Assets 1.87b)
RoE = -48.24% (negative equity) (Net Income TTM 651.9m / Total Stockholder Equity -1.35b)
RoCE = 68.70% (EBIT 896.4m / Capital Employed (Equity -1.35b + L.T.Debt 2.66b))
RoIC = 51.04% (NOPAT 686.3m / Invested Capital 1.34b)
WACC = 9.02% (E(42.92b)/V(46.00b) * Re(9.59%) + D(3.07b)/V(46.00b) * Rd(1.30%) * (1-Tc(0.23)))
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 74.79% ; FCFE base≈691.8m ; Y1≈779.8m ; Y5≈1.05b
Fair Price DCF = 586.2 (DCF Value 13.90b / Shares Outstanding 23.7m; 5y FCF grow 14.78% → 3.0% )
EPS Correlation: 92.73 | EPS CAGR: 21.75% | SUE: 1.08 | # QB: 3
Revenue Correlation: 96.22 | Revenue CAGR: 13.35% | SUE: 0.15 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.47 | Chg30d=+0.165 | Revisions Net=+7 | Analysts=14
EPS current Year (2026-09-30): EPS=40.95 | Chg30d=+1.832 | Revisions Net=+13 | Growth EPS=+37.0% | Growth Revenue=+23.0%
EPS next Year (2027-09-30): EPS=51.21 | Chg30d=+1.234 | Revisions Net=+9 | Growth EPS=+25.1% | Growth Revenue=+14.9%
Additional Sources for FICO Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle