Fair Isaac Corporation
FICO · Price history
Price at last available close
$698.18
−$142.71 (-16.97%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Fair Isaac Corporation
Primary reporting period: 2025-09-30 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores.
How they make money
FICO generates revenue primarily through its Scores segment, which provides B2B and B2C credit scoring solutions, and its Software segment, which offers analytics and decision management software via SaaS and on-premises licensing models. The company sells and cross-sells these products to large financial institutions, credit issuers, and other enterprises to help them automate and optimize complex business decisions.
Products & services
FICO provides the FICO Score, FICO Platform, FICO Blaze Advisor, FICO Decision Modeler, and FICO Xpress Optimization, alongside professional services for software implementation and analytics deployment.
Brands & revenue mix
The company's flagship credit scoring product used widely in the financial industry.
Separate brand revenue is not available in this research.Source
Modular software offering for advanced analytic and decision use cases.
Separate brand revenue is not available in this research.Source
Consumer-facing brand for credit monitoring and scoring services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Geographic revenue
Period ended 2025-09-30Source
Period ended 2025-09-30Source
Period ended 2025-09-30Source
Calculated from reported segment revenue. Check the source period and revenue basis before comparing shares. Categories can overlap and may not add to 100%.
Customer types
Customer concentration
The company's revenues depend to a great extent on the banking and consumer credit industry, and it generates a significant portion of its growth by selling to large banks and credit issuers as of the fiscal year ended September 30, 2025.
Suppliers, materials & equipment
- Cloud Service Providers — The company relies on third-party cloud infrastructure providers to host and deliver its SaaS offerings.Source
Strengths
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 99.9% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
54
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
70
Strong
Financial Strength
42
Business Quality / Moat
100
Management
70
Growth Quality
70
Risk / Durability
79
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
80
Attractive
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
77/100
Building Historical Record
Model Score 77/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Debt / balance-sheet profile needs attention
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for FICO
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can FICO maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is FICO's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is FICO's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is FICO's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of FICO's score?
Essential Investment Snapshot
Wall Street Score
54
Opportunity Score
80
Market Cap
$15.08B
P/E Ratio
17.0
EPS
$34.81
52-Week High
$1998.01
52-Week Low
$586.05
Beta
1.32
Intrinsic Value
$1205.71
Analyst Target
$1333.00
Shares Outstanding
24.6M
Total Revenue
$2.39B
Total Debt
$5.60B
Dividend
No current dividend
Liquidation Value / Share
$-166.81
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
High movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for FICO
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Negative shareholder equity • Total debt is at least one year of revenue • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on FICO.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Market leadership in credit scoring and analytics software.
- +Strong recurring revenue base from SaaS and maintenance contracts.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Negative shareholder equity.
- −Total debt is at least one year of revenue.
- −Cash covers less than 20% of total debt.
- −Dependence on the banking and consumer credit industry.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
47
Sep 24, 2026
Change
+6.9
points
Current Score
54
Oct 1, 2026
Category Changes
FICO increased 6.9 points because Revenue improved by 2.7 points, Capital improved by 17 points, Valuation improved by 28.7 points.
Positive Contributors
- + Revenue improved by 2.7 points
- + Capital improved by 17 points
- + Valuation improved by 28.7 points
- + Buffett improved by 3.2 points
Projected Score
Projected Score
59
Projected Change
+5.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 5.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$698.18
Model Intrinsic Value
$1205.71
Difference
−$507.53
-42.1% vs IV
Margin of Safety
42.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.39B | $1.99B | $1.72B | $1.51B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $356.7M | $353.7M | $348.2M | $311.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $2.04B | $1.64B | $1.37B | $1.20B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $208.5M | $188.3M | $171.9M | $159.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $581.2M | $513.0M | $462.8M | $400.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $800.6M | $712.3M | $635.7M | $559.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.27B | $951.2M | $761.5M | $663.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.24B | $924.9M | $733.6M | $642.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $186.3M | $133.6M | $105.6M | $95.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $1.07B | $802.6M | $642.0M | $553.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $250.1M | $150.6M | $129.2M | $124.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $815.0M | $651.9M | $512.8M | $429.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $34.81 | $26.90 | $20.78 | $17.18 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 22.67M | 24.24M | 24.68M | 24.99M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 22.70M | 24.56M | 25.08M | 25.37M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$674.2M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$10.45
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+99.9%
Cash Change
+31.4%
Margin Change
+1.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
What Weakened
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels, net income margin. Pressure indicators included debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 25.7%. EPS increased 41.2%. Cash increased 31.4%. Total debt increased 99.9%. Net income margin improved by 1.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
60
Smart Money
60
Number of Gurus
6
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Software - ApplicationNews
Fair Isaac (FICO) Reports Next Week: Wall Street Expects Earnings Growth
FICO Missed Its Chance to Raise Prices, and the Stock Plunges
FICO Holds $10 Pricing for Mortgage Lenders Amid New Competition
FICO Holds Mortgage Score Pricing at $10 for Lenders Enrolled in Preferred Program
Rumor Mill · FICO
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial