(FICO) Fair Isaac - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US3032501047
Stock: Credit Scores, Analytics, Decisioning, Software, Platform
Total Rating 53
Risk 91
Buy Signal -0.92
| Risk 5d forecast | |
|---|---|
| Volatility | 52.6% |
| Relative Tail Risk | -9.79% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.79 |
| Alpha | -52.79 |
| Character TTM | |
|---|---|
| Beta | 0.746 |
| Beta Downside | -0.599 |
| Drawdowns 3y | |
|---|---|
| Max DD | 54.10% |
| CAGR/Max DD | 0.33 |
EPS (Earnings per Share)
Revenue
Description: FICO Fair Isaac March 04, 2026
Fair Isaac Corporation (FICO) provides predictive analytics software and services globally, operating through two segments: Scores and Software.
The Scores segment offers business-to-business credit scoring solutions and direct-to-consumer offerings like myFICO.com. This segment is central to the credit reporting industry, enabling lenders to assess risk efficiently.
The Software segment delivers pre-configured analytical and decision management solutions for various business functions, including fraud detection and customer management. This segment also includes the FICO Platform, a modular software suite. The companys focus on enterprise software solutions positions it within a growing market for business automation and data-driven decision-making.
FICO markets its products through direct sales, indirect channels, and online platforms. Investors seeking more detailed financial metrics and competitive analysis should consider reviewing ValueRays comprehensive reports.
Headlines to watch out for
- Credit scoring demand drives Scores segment revenue
- Software license sales impact recurring revenue growth
- Financial institution spending affects platform adoption
- Regulatory changes influence credit risk assessment tools
- Economic downturns reduce demand for credit and analytics
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 657.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.40 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: -2.58% < 20% (prev 14.90%; Δ -17.48% < -1%) |
| CFO/TA 0.41 > 3% & CFO 758.9m > Net Income 657.8m |
| Net Debt (3.07b) to EBITDA (1.01b): 3.05 < 3 |
| Current Ratio: 0.93 > 1.5 & < 3 |
| Outstanding Shares: last quarter (24.0m) vs 12m ago -3.50% < -2% |
| Gross Margin: 82.86% > 18% (prev 0.80%; Δ 8.21k% > 0.5%) |
| Asset Turnover: 115.9% > 50% (prev 104.0%; Δ 11.83% > 0%) |
| Interest Coverage Ratio: 6.78 > 6 (EBITDA TTM 1.01b / Interest Expense TTM 146.2m) |
Altman Z'' 10.00
| A: -0.03 (Total Current Assets 698.8m - Total Current Liabilities 752.1m) / Total Assets 1.85b |
| B: 2.54 (Retained Earnings 4.71b / Total Assets 1.85b) |
| C: 0.56 (EBIT TTM 990.6m / Avg Total Assets 1.78b) |
| D: 1.26 (Book Value of Equity 4.62b / Total Liabilities 3.66b) |
| Altman-Z'' Score: 13.16 = AAA |
Beneish M -2.86
| DSRI: 1.21 (Receivables 495.1m/350.9m, Revenue 2.06b/1.78b) |
| GMI: 0.97 (GM 82.86% / 80.14%) |
| AQI: 0.94 (AQ_t 0.57 / AQ_t-1 0.61) |
| SGI: 1.16 (Revenue 2.06b / 1.78b) |
| TATA: -0.05 (NI 657.8m - CFO 758.9m) / TA 1.85b) |
| Beneish M-Score: -2.86 (Cap -4..+1) = A |
What is the price of FICO shares?
As of March 21, 2026, the stock is trading at USD 1127.62 with a total of 613,987 shares traded.
Over the past week, the price has changed by -0.32%, over one month by -16.50%, over three months by -35.29% and over the past year by -39.16%.
Over the past week, the price has changed by -0.32%, over one month by -16.50%, over three months by -35.29% and over the past year by -39.16%.
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.
- StrongBuy: 7
- Buy: 5
- Hold: 5
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the FICO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 1947.9 | 72.7% |
| Analysts Target Price | 1947.9 | 72.7% |
FICO Fundamental Data Overview March 17, 2026
P/E Trailing = 41.8351
P/E Forward = 26.3158
P/S = 13.0086
P/B = 82.3284
P/EG = 1.0022
Revenue TTM = 2.06b USD
EBIT TTM = 990.6m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 2.80b USD (from longTermDebt, last quarter)
Short Term Debt = 399.7m USD (from shortTermDebt, last quarter)
Debt = 3.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.07b USD (from netDebt column, last quarter)
Enterprise Value = 29.91b USD (26.83b + Debt 3.23b - CCE 162.0m)
Interest Coverage Ratio = 6.78 (Ebit TTM 990.6m / Interest Expense TTM 146.2m)
EV/FCF = 40.68x (Enterprise Value 29.91b / FCF TTM 735.1m)
FCF Yield = 2.46% (FCF TTM 735.1m / Enterprise Value 29.91b)
FCF Margin = 35.63% (FCF TTM 735.1m / Revenue TTM 2.06b)
Net Margin = 31.89% (Net Income TTM 657.8m / Revenue TTM 2.06b)
Gross Margin = 82.86% ((Revenue TTM 2.06b - Cost of Revenue TTM 353.6m) / Revenue TTM)
Gross Margin QoQ = 82.96% (prev 82.32%)
Tobins Q-Ratio = 16.13 (Enterprise Value 29.91b / Total Assets 1.85b)
Interest Expense / Debt = 1.30% (Interest Expense 42.0m / Debt 3.23b)
Taxrate = 17.48% (33.6m / 191.9m)
NOPAT = 817.4m (EBIT 990.6m * (1 - 17.48%))
Current Ratio = 0.93 (Total Current Assets 698.8m / Total Current Liabilities 752.1m)
Debt / Equity = -1.79 (negative equity) (Debt 3.23b / totalStockholderEquity, last quarter -1.81b)
Debt / EBITDA = 3.05 (Net Debt 3.07b / EBITDA 1.01b)
Debt / FCF = 4.18 (Net Debt 3.07b / FCF TTM 735.1m)
Total Stockholder Equity = -1.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 36.95% (Net Income 657.8m / Total Assets 1.85b)
RoE = -43.31% (negative equity) (Net Income TTM 657.8m / Total Stockholder Equity -1.52b)
RoCE = 77.49% (EBIT 990.6m / Capital Employed (Equity -1.52b + L.T.Debt 2.80b))
RoIC = 59.61% (NOPAT 817.4m / Invested Capital 1.37b)
WACC = 7.79% (E(26.83b)/V(30.07b) * Re(8.60%) + D(3.23b)/V(30.07b) * Rd(1.30%) * (1-Tc(0.17)))
Discount Rate = 8.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.53%
[DCF] Terminal Value 80.61% ; FCFF base≈710.4m ; Y1≈808.7m ; Y5≈1.11b
[DCF] Fair Price = 709.5 (EV 19.90b - Net Debt 3.07b = Equity 16.83b / Shares 23.7m; r=7.79% [WACC]; 5y FCF grow 16.15% → 2.90% )
EPS Correlation: 91.27 | EPS CAGR: 12.71% | SUE: 0.67 | # QB: 0
Revenue Correlation: 95.81 | Revenue CAGR: 10.07% | SUE: 0.96 | # QB: 1
EPS next Quarter (2026-06-30): EPS=11.82 | Chg7d=+0.000 | Chg30d=-0.007 | Revisions Net=+4 | Analysts=16
EPS current Year (2026-09-30): EPS=41.85 | Chg7d=+0.000 | Chg30d=+0.651 | Revisions Net=+14 | Growth EPS=+40.1% | Growth Revenue=+24.7%
EPS next Year (2027-09-30): EPS=53.36 | Chg7d=+0.014 | Chg30d=+0.699 | Revisions Net=+11 | Growth EPS=+27.5% | Growth Revenue=+17.4%
[Analyst] Revisions Ratio: +0.29 (9 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 6.2% (Discount Rate 8.6% - Earnings Yield 2.4%)
[Growth] Growth Spread = +18.8% (Analyst 25.0% - Implied 6.2%)
P/E Forward = 26.3158
P/S = 13.0086
P/B = 82.3284
P/EG = 1.0022
Revenue TTM = 2.06b USD
EBIT TTM = 990.6m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 2.80b USD (from longTermDebt, last quarter)
Short Term Debt = 399.7m USD (from shortTermDebt, last quarter)
Debt = 3.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.07b USD (from netDebt column, last quarter)
Enterprise Value = 29.91b USD (26.83b + Debt 3.23b - CCE 162.0m)
Interest Coverage Ratio = 6.78 (Ebit TTM 990.6m / Interest Expense TTM 146.2m)
EV/FCF = 40.68x (Enterprise Value 29.91b / FCF TTM 735.1m)
FCF Yield = 2.46% (FCF TTM 735.1m / Enterprise Value 29.91b)
FCF Margin = 35.63% (FCF TTM 735.1m / Revenue TTM 2.06b)
Net Margin = 31.89% (Net Income TTM 657.8m / Revenue TTM 2.06b)
Gross Margin = 82.86% ((Revenue TTM 2.06b - Cost of Revenue TTM 353.6m) / Revenue TTM)
Gross Margin QoQ = 82.96% (prev 82.32%)
Tobins Q-Ratio = 16.13 (Enterprise Value 29.91b / Total Assets 1.85b)
Interest Expense / Debt = 1.30% (Interest Expense 42.0m / Debt 3.23b)
Taxrate = 17.48% (33.6m / 191.9m)
NOPAT = 817.4m (EBIT 990.6m * (1 - 17.48%))
Current Ratio = 0.93 (Total Current Assets 698.8m / Total Current Liabilities 752.1m)
Debt / Equity = -1.79 (negative equity) (Debt 3.23b / totalStockholderEquity, last quarter -1.81b)
Debt / EBITDA = 3.05 (Net Debt 3.07b / EBITDA 1.01b)
Debt / FCF = 4.18 (Net Debt 3.07b / FCF TTM 735.1m)
Total Stockholder Equity = -1.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 36.95% (Net Income 657.8m / Total Assets 1.85b)
RoE = -43.31% (negative equity) (Net Income TTM 657.8m / Total Stockholder Equity -1.52b)
RoCE = 77.49% (EBIT 990.6m / Capital Employed (Equity -1.52b + L.T.Debt 2.80b))
RoIC = 59.61% (NOPAT 817.4m / Invested Capital 1.37b)
WACC = 7.79% (E(26.83b)/V(30.07b) * Re(8.60%) + D(3.23b)/V(30.07b) * Rd(1.30%) * (1-Tc(0.17)))
Discount Rate = 8.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.53%
[DCF] Terminal Value 80.61% ; FCFF base≈710.4m ; Y1≈808.7m ; Y5≈1.11b
[DCF] Fair Price = 709.5 (EV 19.90b - Net Debt 3.07b = Equity 16.83b / Shares 23.7m; r=7.79% [WACC]; 5y FCF grow 16.15% → 2.90% )
EPS Correlation: 91.27 | EPS CAGR: 12.71% | SUE: 0.67 | # QB: 0
Revenue Correlation: 95.81 | Revenue CAGR: 10.07% | SUE: 0.96 | # QB: 1
EPS next Quarter (2026-06-30): EPS=11.82 | Chg7d=+0.000 | Chg30d=-0.007 | Revisions Net=+4 | Analysts=16
EPS current Year (2026-09-30): EPS=41.85 | Chg7d=+0.000 | Chg30d=+0.651 | Revisions Net=+14 | Growth EPS=+40.1% | Growth Revenue=+24.7%
EPS next Year (2027-09-30): EPS=53.36 | Chg7d=+0.014 | Chg30d=+0.699 | Revisions Net=+11 | Growth EPS=+27.5% | Growth Revenue=+17.4%
[Analyst] Revisions Ratio: +0.29 (9 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 6.2% (Discount Rate 8.6% - Earnings Yield 2.4%)
[Growth] Growth Spread = +18.8% (Analyst 25.0% - Implied 6.2%)