FICO
Fair Isaac
$1,090.85
▼ 0.5%Updated Today 7:15 PM ET
▼ Down 37.8% over the last 12 months
Market Cap
$25.43B
P/E
33.27x
Forward P/E (est.)
24.48x
ROE
145.7%
Revenue Growth
22.6%
EPS Growth
35.9%
Profit Margin
33.7%
FCF Yield
1.5%
Debt / Equity
2.54x
ROIC
48.0%
Interest Coverage
8.75x
Current Ratio
2.22x
Dividend Yield
—
Implied Growth (rev. DCF)
5.8%
Rating Score
70/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what FICO's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. FICO trades near $1,090.85, below its 50-day average ($1,119.93) and 200-day average ($1,431.80). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 30 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. FICO's is $63.29 (~5.8% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month FICO found buyers near $1,119.61 (support) and sellers near $1,323.35 (resistance); its 52-week range is $870.01–$1,998.01. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.0× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Fair Isaac (FICO) is a large-cap company in the Application Software industry, part of the Information Technology sector of the S&P 500, with a market value around $25.43B.
In its latest reported year it generated about $1.99B in revenue and $651.95M in net profit.
Our model rates FICO Favorable (70/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
10.9%
Revenue moved from $1.32B in 2021 to $1.99B in 2025, a 10.9% compound annual growth rate. The most recent year grew a strong 22.6% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
84.2%
Operating Margin
46.5%
Net Margin
32.7%
ROE
145.7%
Fair Isaac keeps about 33.7% of each sales dollar as net profit, with a 84.2% gross margin and 46.5% operating margin. Return on equity is 145.7% and return on invested capital about 48.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$3.64B
Net Debt
$3.42B
Net Debt / EBITDA
3.7x
Debt / Equity
2.54x
Leverage: debt-to-equity is 2.5x, and operating profit covers interest about 8.8x, with a current ratio of 2.2x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $3.64B of total debt against $219.42M of cash.
Operating CF
$778.81M
Free Cash Flow
$769.88M
FCF Margin
38.7%
In the latest year Fair Isaac produced about $778.81M of operating cash flow and $769.88M of free cash flow after capital spending. That is a free-cash-flow yield of about 1.5% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
33.27x
P/S
13.73x
P/B
34.45x
EV / EBITDA
32.91x
FICO trades at 33.3x trailing earnings (about 24.5x on estimated forward earnings), 13.7x sales, and 34.4x book value. Reverse-engineering today's price implies the market expects roughly 5.8% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How FICO stacks up against its Information Technology peers — valuation, profitability, and growth versus the sector median.
In the Information Technology sector (72 S&P 500 companies), FICO ranks #17 of 72 by our overall rating. It trades at roughly in line versus the sector on earnings (33.3x P/E vs. 35.6x median) with a higher return on equity (145.7% vs. 25.6%) and faster revenue growth (22.6% vs. 17.4%).
P/E vs sector
33.3x
median 35.6x
ROE vs sector
145.7%
median 25.6%
Growth vs sector
22.6%
median 17.4%
Sector rank
#17
of 72 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Information Technology companies by sub-industry and size. Sector median is across all 72 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$1,595.12 – $2,631.95
vs. $1,090.85 today · expected CAGR 8% – 19%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $2.45B | $3.01B | $3.70B | $4.56B | $5.60B |
| Net income | $808.09M | $993.96M | $1.22B | $1.50B | $1.85B |
| EPS | $34.85 | $42.86 | $52.72 | $64.84 | $79.76 |
| Share price (low) | $696.91 | $857.19 | $1,054.35 | $1,296.85 | $1,595.12 |
| Share price (high) | $1,149.89 | $1,414.37 | $1,739.68 | $2,139.80 | $2,631.95 |
| CAGR (low–high) | -36% / 5% | -11% / 14% | -1% / 17% | 4% / 18% | 8% / 19% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for FICO:
- Revenue is growing 22.6% a year, a sign of real demand.
- High net margins (33.7%) point to pricing power or efficiency.
- Strong return on equity (145.7%) shows capital is put to work well.
- Our model's overall read is Favorable (70/100).
The case against FICO:
- Elevated leverage (debt/equity 2.5x) adds financial risk.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Valuation risk — at 33.3x earnings, disappointing results could compress the multiple.
Balance-sheet risk — debt/equity of 2.5x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Fair Isaac is a large-cap information technology business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 33.3x earnings, which our model scores Favorable (70/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.