FICO
Fair Isaac
$1,051.06
▲ 1.9%Updated Today 11:30 AM ET
FICO at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 70/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 37.8% over the last 12 months
Market Cap
$29.47B
P/E
31.89x
Forward P/E (est.)
23.46x
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)
6.2%
Rating Score
70/100
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 $29.47B.
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.
Evidence of durable competitive advantage in the filed financials (9 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
43.9% average over the last 3 years
±11.0 pts around 32.4% across 9 years
grew in 8 of the last 8 year-over-year periods
positive in 9 of 9 years
48.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
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 $1,051.06, below its 50-day average ($1,144.61) and 200-day average ($1,412.88). 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 64 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 positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. FICO's is $46.97 (~4.5% 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 $1,065.69 (support) and sellers near $1,273.99 (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 0.9× 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.
4Y CAGR
10.9%
Revenue moved from $934.98M in 2017 to $1.99B in 2025, a 9.9% 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
31.89x
P/S
13.73x
P/B
33.02x
EV / EBITDA
—
FICO trades at 31.9x trailing earnings (about 23.5x on estimated forward earnings), 13.7x sales, and 33.0x book value. Reverse-engineering today's price implies the market expects roughly 6.2% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$1,374.74
Current price
$1,051.06
Starting FCF (latest 10-K)
$769.88M
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where FICO sits versus its Information Technology sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 98 Information Technology companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. 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 (230 S&P 500 companies), FICO ranks #24 of 230 by our overall rating. It trades at a discount versus the sector on earnings (31.9x P/E vs. 38.9x median) with a higher return on equity (145.7% vs. 17.5%) and faster revenue growth (22.6% vs. 17.7%).
P/E vs sector
31.9x
median 38.9x
ROE vs sector
145.7%
median 17.5%
Growth vs sector
22.6%
median 17.7%
Sector rank
#24
of 230 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 230 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)
$0.00 – $0.00
vs. $1,051.06 today · expected CAGR 4% – 15%
| 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 | $28.82 | $35.45 | $43.60 | $53.63 | $65.96 |
| Share price (low) | $547.57 | $673.51 | $828.41 | $1,018.95 | $1,253.31 |
| Share price (high) | $922.22 | $1,134.33 | $1,395.23 | $1,716.13 | $2,110.84 |
| CAGR (low–high) | -48% / -12% | -20% / 4% | -8% / 10% | -1% / 13% | 4% / 15% |
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 31.9x 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 31.9x earnings, which our model scores Favorable (70/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 29 Wall Street analysts covering FICO recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
FICO's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
FICO — frequently asked questions
Is FICO a good stock to buy?
We don't give buy or sell advice. Our model rates Fair Isaac Favorable (70/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is FICO's rating on The Stocks School?
Fair Isaac currently scores 70/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does FICO's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Fair Isaac's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for FICO calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this FICO analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell FICO. Always do your own research and consider a licensed professional.
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.