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Fair Isaac Corporation (F2IC34) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Fair Isaac Corporation BRL 168, price BRL 76.61, upside +119.2%, quality 88 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Technology · BR · ISIN US3032501047

FI Broad data Sep 24, 2026

Fair Isaac Corporation

F2IC34 · SA

Strongly undervaluedStrong Fair Value upside with high Quality.

✓Fair value R$167.91 · Strongly undervalued (+119.2%)
✓Quality 88/100
✓Healthy Growth (revenue 3y +13.1 %/yr)
✓Highly profitable · 33.7% 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

R$320.96 R$40.72 Fair Value R$167.91 Feb 2022 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

56‑month range R$40.72 – R$320.96 · fair‑value band R$82.96 – R$248.42 · the R$76.61 price screens below the R$167.91 fair value. Dashed = 300-day average. As of Sep 24, 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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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 (F2IC34) currently trades at R$76.61, while our model-based Fair Value estimate is R$167.91, implying the stock looks roughly 54.4% undervalued today.

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Valuation

How firm this estimate is: it rests on 21 models at a data quality of 91/100, which puts the evidence level at high.

Scenario range: R$82.96 (bear) to R$248.42 (bull), the price of R$76.61 sits below 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 88/100 (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 $1.4B in FY2022, a compound +13.1%/yr. Reported net income was $652M in FY2025, compounding +20.4%/yr from FY2022.

Key figures

Market cap R$3.5B (≈ $678M) · P/E ratio 0.5 · P/S ratio 0.15 · EPS (TTM) R$163.44 · Net margin 32.7% · Return on assets (EBIT) 42.7% · Operating margin 58.2% · Revenue (TTM) $2.3B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 66% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at 119%, F2IC34 screens cheaper than that median.

Fair Value models

Bear R$82.96 Fair Value R$167.91 Bull R$248.42
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 (R$163.44 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 R$1,540 R$3,138 R$5,706 73
Growth DCF R$1,489 R$2,849 R$4,877 72
EPV R$748.30 R$927.79 R$1,077 71
All 21 models by family
DCF Models
FCF DCF R$1,540 R$3,138 R$5,706 73
Owner Earnings R$1,260 R$2,647 R$4,875 69
5Y Revenue Exit R$1,183 R$2,466 R$4,221 67
5Y EBITDA Exit R$1,877 R$3,945 R$6,605 69
5Y P/E Exit R$2,010 R$4,229 R$6,844 65
10Y Revenue Exit R$1,243 R$2,460 R$4,361 61
10Y EBITDA Exit R$1,717 R$3,470 R$6,246 62
10Y P/E Exit R$1,799 R$3,664 R$6,435 58
Earnings-Based
Graham-Dodd R$998.31 R$5,205 R$7,201 61
Lynch FV R$1,426 R$2,038 R$2,649 58
PEG = 1.0 R$1,426 R$2,038 R$2,649 55
EPV R$748.30 R$927.79 R$1,077 71
Multiples
P/E Multiple R$3,083 R$4,111 R$5,138 63
P/S Multiple R$1,849 R$2,466 R$3,082 58
EV/EBIT R$3,181 R$4,430 R$5,680 66
EV/EBITDA R$2,289 R$3,241 R$4,194 67
EV/Revenue R$1,001 R$1,674 R$2,346 52
Growth DCF
Growth DCF R$1,489 R$2,849 R$4,877 72
Rev-Margin DCF R$1,183 R$2,436 R$4,117 67
Economic Profit
ROIC Compounder R$825.82 R$1,102 R$1,387 69
Growth Earnings
Growth-Adj P/E R$2,498 R$3,568 R$4,638 65

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Quality Score breakdown

Overall quality 88/100

Of which business quality 83 · Market factors (momentum, volatility) 9

Profitability 95
Margins and returns on capital today
Quality Growth 82
Are margins and returns improving?
Cashflow 87
Earnings quality: real cash, not paper profit
Fin. Strength 61
Balance sheet, leverage, solvency risk
Investment 78
Disciplined investing over empire-building
Low Volatility 20
Calm price path (market factor)
Momentum 6
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?

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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. 93/100
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%
What shareholders gained per year (last 3 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 3 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.
+22.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.0%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘ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.39% → 47%
2025 sits 58% above its own trend. The rate follows the median trend of the last 3 years, not that single year.

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Values & ESG

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Fair Isaac Corporation · Fair Value
R$167.91 +54%Fair Value
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Cite: Fair Value Calculator (2026). "Fair Isaac Corporation Fair Value". https://www.fairvalue-calculator.com/stock/F2IC34

Frequently asked questions

Is Fair Isaac Corporation (F2IC34) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of R$167.91 versus a price of R$76.61, about +119% upside (undervalued).
What is the fair value of F2IC34?
Our model-based fair value for Fair Isaac Corporation is R$167.91 (as of Sep 24, 2026), built from audited fundamentals. The current price: R$76.61.
What is the quality score of F2IC34?
Fair Isaac Corporation has a Quality Score of 88/100. 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 (F2IC34)?
Our model-based price target is the fair value of R$167.91 (as of Sep 24, 2026) from 21 valuation models. Cautious scenario R$82.96, optimistic scenario R$248.42. 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 R$167.91, about +119% upside versus a price of R$76.61 (undervalued). Cautious scenario R$82.96, optimistic scenario R$248.42. The calculation is refreshed regularly with new filings.
What is the revenue of Fair Isaac Corporation (F2IC34)?
Fair Isaac Corporation reported trailing-twelve-month revenue of about $2.3B (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Fair Isaac Corporation (F2IC34)?
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 R$167.91 per share (as of Sep 24, 2026), against a price of R$76.61. 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, F2IC34 trades below its calculated fair value: price R$76.61, fair value R$167.91, a gap of about +119% (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 F2IC34?
No. The price is what the market pays today (R$76.61); the fair value is what the company's own numbers justify (R$167.91). For Fair Isaac Corporation the two are R$91.30 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 R$3.5B (market capitalisation, as of Sep 24, 2026). Per share that is R$76.61; our models calculate a fair value of R$167.91 per share.
What do the bullish and bearish scenarios say about F2IC34?
Our models span a range for Fair Isaac Corporation: cautious scenario R$82.96, base R$167.91, optimistic R$248.42 per share (as of Sep 24, 2026, price R$76.61). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is F2IC34 from its 52-week high?
Fair Isaac Corporation trades at R$76.61, about 66% below its 52-week high of R$222.51 and 12% above the low of R$68.52 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$167.91 is for.
Which stocks are comparable to Fair Isaac Corporation?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fair Isaac Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price R$76.61, calculated fair value R$167.91 (+119%), Quality Score 88/100, 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 F2IC34 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 R$167.91, 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 54 % 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 (F2IC34)?
The closing price on Oct 2, 2026 was R$76.61. Our model-based fair value is R$167.91, about +119% 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?
The rarer combination: high quality (88/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (R$82.96). The market is more pessimistic than our downside scenario. The model range is unusually wide (R$82.96 to R$248.42). The outcome hinges heavily on assumptions, so read the point estimate with caution.

Key figures of Fair Isaac Corporation

How large is the market capitalisation of Fair Isaac Corporation (F2IC34)?
The market capitalisation of Fair Isaac Corporation is R$3.5B (≈ $678M). 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 (F2IC34)?
The price-to-earnings ratio of Fair Isaac Corporation is 0.5. 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 (F2IC34)?
The price-to-sales ratio of Fair Isaac Corporation is 0.15 (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 (F2IC34)?
Earnings per share at Fair Isaac Corporation are R$163.44 (price ÷ EPS = P/E 0.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Fair Isaac Corporation (F2IC34)?
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 (F2IC34)?
On an EBIT basis the return on assets of Fair Isaac Corporation is 42.7% (avg 4y). 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 (F2IC34)?
The operating margin of Fair Isaac Corporation is 58.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fair Isaac Corporation (F2IC34)?
Revenue at Fair Isaac Corporation is growing +38.7% 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 (F2IC34)?
Earnings per share at Fair Isaac Corporation are growing +69.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fair Isaac Corporation (F2IC34) generate?
The free cash flow of Fair Isaac Corporation is $739M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fair Isaac Corporation (F2IC34) carry?
The net debt of Fair Isaac Corporation is $2.9B (fiscal year 2025, ≈ 4.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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