Fair Isaac Corporation (FICO) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Fair Isaac Corporation stock $771, price $701, upside +10.0%, quality 90 out of 100. Rating: fairly valued. Calculated from audited financials with 21 of our 26 valuation models and 37 quality factors, updated daily.
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Fair Isaac Corporation
FICO · USThe stock costs about what our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $341.44 – $2,382 · fair‑value band $449.78 – $1,044 · the $701.03 price screens below the $771.13 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
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.
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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.
Stock analysis
Fair Isaac Corporation (FICO) currently trades at $701.03, while our model-based Fair Value estimate is $771.13, so the stock looks roughly fairly valued today (gap 9.1%).
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Valuation
Bull case: the Multiples group reads highest at a median of $647.09 per share, and 6 of the 21 models we run sit above the $701.03 price.
Bear case: the Economic Profit group reads lowest at $270.98, and 15 of the 21 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $449.78 (bear) to $1,044 (bull), the price of $701.03 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 90/100 (high quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Fair Isaac Corporation reported revenue of $2.0B in FY2025 versus $1.3B in FY2021, a compound +10.9%/yr. Reported net income was $652M in FY2025, compounding +13.6%/yr from FY2021.
Key figures
Market cap $15.9B Large · P/E ratio 20.4 · P/S ratio 6.65 · EPS (TTM) $34.35 · Net margin 34.1% · Return on equity 35.6% · Return on assets (EBIT) 40.6% · Operating margin 53.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 98 out of 100 (medium confidence).
What moves the price
The share trades about 62% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 10%, FICO screens cheaper than that median.
Fair Value models
All 21 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director sold shares worth $1.4M and none bought.
- SaleEva ManolisDirector3× since Dec 12, 2025: 2,008 shares, avg. $1,466$2.9MJul 29, 202610b5-1 plan
- SaleJoanna ReesDirector358 shares at $1,360$486,880Feb 13, 2026
- SaleSteven P. WeberExecutive Vice President & CFO1,426 shares at $1,810$2.6MDec 17, 2025
- SaleMarc F McMorrisDirector240 shares at $1,810$434,287Nov 26, 2025
- SaleWilliam J LansingPresident and CEO, Director2,400 shares at $1,733$4.2MNov 10, 2025
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
Watch FICO, get fair value alerts →
Recent news
- Fair Isaac Corp (FICO) Q4 2026 Earnings Call Highlights: Record Revenue and EPS Growth Amid ...
- Fair Isaac Corporation (NYSE:FICO) surprises with Q3 CY2026 sales but stock drops
- Fair Isaac (FICO) Surpasses Q4 Earnings and Revenue Estimates
- Fair Isaac: Fiscal Q4 Earnings Snapshot
Compare Fair Isaac Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 635 stocks
Valuation Multiplesvs Software - Application median · lower = cheaper
Strength profile in five axes (Snowflake)
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Quality Score by industry
- Return on equity by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Adobe Inc ADBE | $248.48 | $463.72 | +87% | vs FICO |
| Salesforce, Inc CRM | $227.11 | $342.73 | +51% | vs FICO |
| Uber Technologies, Inc UBER | $69.87 | $101.25 | +45% | vs FICO |
| Intuit Inc INTU | $356.64 | $459.14 | +29% | vs FICO |
| ServiceNow, Inc NOW | $108.81 | $119.69 | +10% | vs FICO |
| SAP SE SAP | €215.75 | €173.59 | −20% | vs FICO |
| Cadence Design Systems, Inc CDNS | $329.52 | $225.48 | −32% | vs FICO |
| Automatic Data Processing, Inc ADP | $303.54 | $150.40 | −50% | vs FICO |
| Shopify Inc SHOP | $153.03 | $68.68 | −55% | vs FICO |
| Snowflake Inc SNOW | $290.60 | $73.81 | −75% | vs FICO |
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