Inside the research

Fair Isaac Corporation

FICO Research profile · latest available data

Price overview

$863.09

▲ +6.61 (+0.8%)

52w hi$1,879.55
52w lo$856.48
Vol387.40K
As of25 Sep 2026

The Verdict

Buy

Our score +0.91

Short-0.62
Medium+1.44
Long+2.91

computed 2026-09-27

Key fundamentals

Fair Isaac Corporation

Technology · Software - Application

Market cap$18.64B
Enterprise value$23.99B
Trailing P/E25.00x
Forward P/E16.28x
EV / EBITDA18.99x
P / S (ttm)7.79x
Profit margin34.1%
Revenue growth+25.7%
Earnings growth+41.2%

Layer Breakdown

LayerRawContribution
Fundamental+0.42
Sector+0.15
Technical-0.35
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-09-27

Business overview

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

United States · www.fico.com

Risk Metrics

Beta vs SPX0.85
Corr SPX0.27
Annual vol50.0%
Annual ret-27.5%
Sharpe-0.55
Max DD-64.0%

Window: 504 trading days (504 obs)

Analyst Coverage

Mean PT$1,562.02
High / Low$2,400.00 / $707.00
Median$1,549.50
Analysts20
Strong Buy4
Buy11
Hold5
Sell1
Strong Sell0

Recent rating actions

2026-05-04Jefferies→ Buy
2026-04-30Wells Fargo→ Overweight
2026-04-30JP Morgan→ Neutral
2026-04-29Needham→ Buy
2026-04-23Wells Fargo→ Overweight
2026-04-23UBS→ Neutral

Material Events

DateEvent8-K
2026-07-29Earnings Release, Exhibitsread
2026-06-08Material Agreement, Material Obligation…read
2026-04-28Earnings Release, Exhibitsread
2026-03-20Material Agreement, Material Obligation…read
2026-03-11Other Material Event, Exhibitsread
2026-03-11Other Material Event, Exhibitsread
2026-03-05Bylaws Amendment, Shareholder Vote…read
2026-01-28Earnings Release, Exhibitsread
2025-11-05Earnings Release, Exhibitsread
2025-08-28Officer / Director Changeread
2025-07-30Earnings Release, Exhibitsread
2025-05-13Material Agreement, Material Obligation…read

Flow & Concentration

Insider 180d net$0
Insider buys / sells0 / 0
Insider biasNeutral
13F holders8
Top-5 share98.6%
HHI4,347 (concentrated)

Top Holders

HolderValueShares
State Street Corp$1.26B1.05M
Citadel Advisors$369.69M309.43K
Capital Research / Capital World$184.99M154.83K
Fidelity / FMR LLC$135.96M113.80K
Millennium Management$43.84M36.69K
AQR Capital Management$21.72M18.48K
Renaissance Technologies$6.83M5.72K
T. Rowe Price Group$122.09K102.19K

As of 2026-06-30

Dividends

Yield (TTM)0.00%
$ / share (TTM)$0.00
5y CAGR-24.2%

Annual dividend per share

2012$0.08
2013$0.08
2014$0.08
2015$0.08
2016$0.08
2017$0.02

SEC Filings

DateFormDoc
2026-07-314view
2026-07-2910-Qview
2026-07-298-Kview
2026-07-074view
2026-07-074view
2026-06-088-Kview
2026-06-084view
2026-05-274view
2026-05-194view
2026-04-2810-Qview
2026-04-288-Kview
2026-03-208-Kview
2026-03-118-Kview
2026-03-118-Kview
2026-03-064view

The Long Run

FY 2010–2025 · 15 years

LineLatestCAGRTrend
Revenue$1.51B+5.2%
Gross profit$217.35M+10.3%
Operating income$924.85M+16.2%
Net income$429.38M+14.4%
Cash from ops$632.96M+25.1%

Indices

S&P 500

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$857.00$870.00$848.64$863.09387.40K
Sep 24$888.12$892.85$855.00$856.48502.10K
Sep 23$910.00$916.05$875.45$879.62501.80K
Sep 22$937.15$941.97$909.16$914.48342.00K
Sep 21$964.19$967.99$921.02$924.52487.40K

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