FICO Stock Analysis: Fair Isaac | NYSE
Software - Application | NYSE, USA | Market Cap: 23.450m USD | 12M Return: -21.2% | US3032501047 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 385M
EPS Trend: 99.0%
Qual. Beats: 0
Rev. Trend: 98.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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 (NYSE: FICO), commonly known as FICO, is a global provider of analytics software headquartered in Bozeman, Montana, and founded in 1956. The company operates in two segments: Scores, which supplies predictive credit scores and related B2B and B2C offerings such as myFICO.com subscriptions, and Software, which delivers pre-configured analytic and decision management solutions covering account origination, fraud detection, customer management, and marketing. Its software portfolio includes the FICO Platform as well as a suite of decisioning, optimization, and fraud tools like FICO Blaze Advisor, FICO Xpress Optimization, and FICO Fraud Solutions, with products sold mainly through a direct sales force and indirect channels.
As a large-cap Information Technology company in the Application Software sub-industry, FICO derives a significant portion of its revenue from its dominant position in consumer credit scoring, a model that is deeply embedded into U.S. mortgage and lending decisioning. The companys growth strategy increasingly emphasizes its enterprise software and platform offerings, expanding its addressable market beyond traditional credit scoring into broader analytics, decision management, and AI-driven customer engagement use cases for financial institutions and other industries.
- Scores segment pricing power offsets mortgage volume declines
- Software platform growth depends on bank IT spending cycles
- VantageScore competition and CFPB regulations pressure scoring franchise
| 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 August 18, 2026, the stock is trading at USD 1064.41 with a total of 178,299 shares traded. Over the past week, the price has changed by +1.40%, over one month by -15.33%, over three months by -9.93% and over the past year by -21.16%.
Current recommended Stop Loss: 934.90 (which is 12.2% or 2.1 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 | 1476.3 | 38.7% |
P/E Trailing = 31.4445
P/E Forward = 19.8413
P/S = 9.7972
P/B = 82.3284
P/EG = 0.7575
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 = 28.8b USD (23.5b + Debt 5.61b - CCE 248.4m)
Interest Coverage Ratio = 6.72 (Ebit TTM 1.25b / Interest Expense TTM 186.3m)
EV/FCF = 28.93x (Enterprise Value 28.8b / FCF TTM 996.0m)
FCF Yield = 3.46% (FCF TTM 996.0m / Enterprise Value 28.8b)
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 = 14.14 (Enterprise Value 28.8b / 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 = 5.19% (E(23.5b)/V(29.1b) * Re(5.82%) + D(5.61b)/V(29.1b) * Rd(3.32%) * (1-Tc(0.23)))
Discount Rate = 5.82% (= 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=10.52 | Chg30d=-1.53% | Revisions=-28% | Analysts=16
EPS current Year (2026-09-30): EPS=43.11 | Chg30d=+0.06% | Revisions=+5% | GrowthEPS=+44.3% | GrowthRev=+28.0%
EPS next Year (2027-09-30): EPS=53.04 | Chg30d=-2.60% | Revisions=-38% | GrowthEPS=+23.0% | GrowthRev=+13.7%
[Analyst] Revisions Ratio: -22% (up=20, down=32)