Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Which stocks are undervalued right now? Check free
Discover now →
Fair Isaac Corporation (0TIQ) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Fair Isaac Corporation $746, price $671, upside +11.2%, quality 87 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
- Add to watchlist
FI
Broad data
Sep 24, 2026
Fair Isaac Corporation
0TIQ · LSEUndervalued, solidQuality growthFair Value upside is positive and quality is strong.
✓Fair value $746.22 · Undervalued (+11.2%)
✓Quality 87/100
✓Healthy Growth (revenue 5y +9.0 %/yr)
✓Highly profitable · 34.1% net margin (TTM)
✓Negative equity (buybacks among others) · generates free cash flow
✓Wide moat 90/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 24, 2026.
How to read this chart
10‑month range $592.84 – $1,845 · fair‑value band $522.36 – $970.10 · the $670.79 price screens below the $746.22 fair value. As of Sep 24, 2026.
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.
Show more
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.
Stock analysis
Fair Isaac Corporation (0TIQ) currently trades at $670.79, while our model-based Fair Value estimate is $746.22, implying the stock looks roughly 10.1% undervalued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of $519.55 per share, and 0 of the 21 models we run sit above the $670.79 price.
Bear case: the Earnings-Based group reads lowest at $219.30, and 21 of the 21 models stay below the price. Evidence for this calculation is high.
Scenario range: $522.36 (bear) to $970.10 (bull), the price of $670.79 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 87/100 (high quality).
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 $16.5B · P/E ratio 0.7 · P/S ratio 0.23 · EPS (TTM) $15.27 · Net margin 32.7% · Return on assets (EBIT) 38.9% · Operating margin 53.8% · Revenue (TTM) $2.4B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
Fair Value models
Bear $522.36
Fair Value $746.22
Bull $970.10
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($15.27 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF
$358.83
$594.38
$968.18
77
Growth DCF
$358.73
$580.09
$922.30
74
Owner Earnings
$313.89
$519.55
$845.93
72
All 21 models by family
DCF Models
FCF DCF
$358.83
$594.38
$968.18
77
Owner Earnings
$313.89
$519.55
$845.93
72
5Y Revenue Exit
$203.32
$297.96
$416.96
70
5Y EBITDA Exit
$316.90
$523.18
$772.18
72
5Y P/E Exit
$327.36
$543.91
$781.88
68
10Y Revenue Exit
$252.21
$355.89
$496.33
65
10Y EBITDA Exit
$328.45
$513.73
$776.32
65
10Y P/E Exit
$335.12
$528.25
$783.96
61
Earnings-Based
Graham-Dodd
$153.11
$615.99
$837.73
64
Lynch FV
$153.51
$219.30
$285.10
61
PEG = 1.0
$153.51
$219.30
$285.10
57
EPV
$251.14
$290.06
$323.64
70
Multiples
P/E Multiple
$337.74
$450.32
$562.90
63
P/S Multiple
$128.92
$171.89
$214.87
58
EV/EBIT
$440.93
$586.36
$731.79
63
EV/EBITDA
$324.77
$431.48
$538.19
64
EV/Revenue
$124.96
$176.53
$228.09
51
Growth DCF
Growth DCF
$358.73
$580.09
$922.30
74
Rev-Margin DCF
$203.32
$300.85
$422.59
70
Economic Profit
ROIC Compounder
$251.14
$290.06
$323.64
70
Growth Earnings
Growth-Adj P/E
$261.18
$373.11
$485.05
67
Notify me when 0TIQ reaches fair value
Put 0TIQ on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
87/100
Of which business quality 82 · Market factors (momentum, volatility) 6
Profitability
95
Margins and returns on capital today
Quality Growth
72
Are margins and returns improving?
Cashflow
87
Earnings quality: real cash, not paper profit
Fin. Strength
61
Balance sheet, leverage, solvency risk
Investment
80
Disciplined investing over empire-building
Low Volatility
18
Calm price path (market factor)
Momentum
0
Price trend over the last 3–12 months (market factor)
52W Momentum
3
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2020 (pandemic). Over 10 years: +9.0% a year
Revenue growth 39 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.27.4% vs 25.6%, steady
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 43%
2025 sits 57% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes more growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+14.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+17.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +11.4% a year for the price and +15.2% for the forecasts.
Forecast 2026 (sales)+20.8%
Forecast 2027 (sales)+20.8%
Projected 2028 (sales)+18.4%
Projected 2029 (sales)+16.1%
Projected 2030 (sales)+13.7%
Watch 0TIQ, get fair value alerts →
Compare Fair Isaac Corporation with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Explore undervalued stocks
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is Fair Isaac Corporation (0TIQ) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $746.22 versus a price of $670.79, about +11% upside (undervalued).
What is the fair value of 0TIQ?
Our model-based fair value for Fair Isaac Corporation is $746.22 (as of Sep 24, 2026), built from audited fundamentals. The current price: $670.79.
What is the quality score of 0TIQ?
Fair Isaac Corporation has a Quality Score of 87/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fair Isaac Corporation (0TIQ)?
Our model-based price target is the fair value of $746.22 (as of Sep 24, 2026) from 21 valuation models. Cautious scenario $522.36, optimistic scenario $970.10. It is a calculation from audited fundamentals, not an analyst target.
What is the Fair Isaac Corporation stock forecast for 2026?
Our models put fair value at $746.22, about +11% upside versus a price of $670.79 (undervalued). Cautious scenario $522.36, optimistic scenario $970.10. The calculation is refreshed regularly with new filings.
What is the revenue of Fair Isaac Corporation (0TIQ)?
Fair Isaac Corporation reported trailing-twelve-month revenue of about $2.4B (latest available figure, as of Sep 24, 2026).
What growth is priced into Fair Isaac Corporation (0TIQ)?
For today's price to be fair in a discounted-cash-flow model, Fair Isaac Corporation would have to grow free cash flow by +14.1 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0TIQ use?
Our models discount Fair Isaac Corporation at 11.1 %: a base by market capitalisation (unknown), damped by beta 1.32, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Fair Isaac Corporation that is +14.1 % per year a year over ten years, using the same discount rate (11.1 %) and the same formula as our fair value.
How much growth has Fair Isaac Corporation (0TIQ) delivered so far?
Over the past 5 years revenue at Fair Isaac Corporation grew +9.0 % a year. The price currently implies +14.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
What is the free cash flow yield of Fair Isaac Corporation (0TIQ)?
The free-cash-flow yield on the price is 4.67 %: that much free cash flow Fair Isaac Corporation produces per unit of market value. When it exceeds the discount rate of our models (11.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Fair Isaac Corporation (0TIQ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fair Isaac Corporation it is $746.22 per share (as of Sep 24, 2026), against a price of $670.79. It is the blended result of 21 valuation models (cash flow, earnings, asset, dividend).
Is Fair Isaac Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0TIQ trades below its calculated fair value: price $670.79, fair value $746.22, a gap of about +11% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0TIQ?
No. The price is what the market pays today ($670.79); the fair value is what the company's own numbers justify ($746.22). For Fair Isaac Corporation the two are $75.43 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fair Isaac Corporation worth?
The market values Fair Isaac Corporation at about $16.5B (market capitalisation, as of Sep 24, 2026). Per share that is $670.79; our models calculate a fair value of $746.22 per share.
What do the bullish and bearish scenarios say about 0TIQ?
Our models span a range for Fair Isaac Corporation: cautious scenario $522.36, base $746.22, optimistic $970.10 per share (as of Sep 24, 2026, price $670.79). The range comes from different growth and margin assumptions, not from analyst opinions.
Is Fair Isaac Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price $670.79, calculated fair value $746.22 (+11%), Quality Score 87/100, from 21 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0TIQ calculated?
We run Fair Isaac Corporation through 21 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $746.22, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Fair Isaac Corporation currently trades 10 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fair Isaac Corporation (0TIQ)?
The closing price on Oct 2, 2026 was $670.79. Our model-based fair value is $746.22, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fair Isaac Corporation right now?
A fairly wide model range ($522.36 to $970.10) leaves room in how you read the outcome. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Fair Isaac Corporation (0TIQ) come from?
Earnings per share at Fair Isaac Corporation grew +24.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.0 %, EBIT margin +9.5 %, tax rate +0.7 %, residual (interest, one-offs) +1.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Fair Isaac Corporation
How large is the market capitalisation of Fair Isaac Corporation (0TIQ)?
The market capitalisation of Fair Isaac Corporation is $16.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Fair Isaac Corporation (0TIQ)?
The price-to-earnings ratio of Fair Isaac Corporation is 0.7 (as of Aug 5, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Fair Isaac Corporation (0TIQ)?
The price-to-sales ratio of Fair Isaac Corporation is 0.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fair Isaac Corporation (0TIQ)?
Earnings per share at Fair Isaac Corporation are $15.27 (price ÷ EPS = P/E 0.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Fair Isaac Corporation (0TIQ)?
The net margin of Fair Isaac Corporation is 32.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Fair Isaac Corporation (0TIQ)?
On an EBIT basis the return on assets of Fair Isaac Corporation is 38.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fair Isaac Corporation (0TIQ)?
The operating margin of Fair Isaac Corporation is 53.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fair Isaac Corporation (0TIQ)?
Revenue at Fair Isaac Corporation is growing +25.7% versus a year earlier (3y avg +13.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fair Isaac Corporation (0TIQ)?
Earnings per share at Fair Isaac Corporation are growing +41.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Fair Isaac Corporation (0TIQ) carry?
The net debt of Fair Isaac Corporation is $2.9B (fiscal year 2025, ≈ 3.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Continue in the live analysis
Fair value and trend for 35,000+ stocks, watchlist, comparison and the diversification check. You can also try 14 days of Pro there, no card.
Open the live analysis →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.