Stock · FICO · Technology
United States · Large Cap · listed since 1987 · Revenue 12 mo. $2.4B
Price as of 11/06/2026
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.
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.
Original text from the data provider
Summary
42.9 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €690.9M (2025), it supports €7.7B. The remaining €5.7B of the market value assume it grows 7.8% a year for 10 years and not at all afterwards.
Required FCF growth per year
7.8%
no growth afterwards
Price to operating cash flow 16.0×, below its usual range.
Middle half of 20 quarters: 27.7× to 60.2×, median 46.0×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
No anomaly in the stored figures.
Since the last quarter
Q1 → Q2 2026
1 more unchanged: Gross margin
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | −43.08% | 14.60% | Rank 3 |
| Return on capital (Greenblatt) | 984.66% | 29.77% | Rank 99 |
| EBIT margin | 46.45% | 17.40% | Rank 96 |
| FCF margin | 38.67% | 18.54% | Rank 92 |
| Gross margin | 82.23% | 48.47% | Rank 92 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 15.91% | 12.70% | Rank 61 |
| Earnings growth, 3 years per year | 23.25% | 9.54% | Rank 79 |
| Earnings growth, 5 years per year | 27.43% | 14.07% | Rank 78 |
| Sustainable growth (ROE × retained earnings) | 0.45% | 2.87% | Rank 7 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 3.77% | 2.64% | Rank 67 |
| FCF yield | 5.15% | 3.06% | Rank 71 |
| EV/saleslower is better | 8.98 | 5.18 | Rank 32 |
| EV/EBITlower is better | 19.34 | 26.24 | Rank 64 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −67.54% | −0.59% | Rank 0 |
| Share price, 6 months | −36.95% | −4.46% | Rank 13 |
| Share price, 3 months | −27.21% | −5.84% | Rank 16 |
| Distance from 52-week high | −61.81% | −33.23% | Rank 5 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −4.64% | 1.65% | Rank 84 |
| Change in share countlower is better | −2.07% | −0.17% | Rank 77 |
| Dividend streak in years | – | 8 | Rank 18 |
| Price reaction to results, market-adjusted | −18.92% | −1.57% | Rank 3 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | −93.45% | 53.98% | Rank 1 |
| Net debt/EBITDAlower is better | 3.09 | −0.20 | Rank 7 |
| Debt to equitylower is betterdoes not count towards the rank | −1.74 | 0.33 | |
| Volatility, 1 yearlower is better | 63.39% | 50.37% | Rank 32 |
Ten years in figures
| Year | Revenue | EBIT margin | FCF, $M | Shares | Net debt |
|---|---|---|---|---|---|
| 2016 | $881.4M | 19.2% | 188.3 | 32.3M | $494.7M |
| 2017 | $932.2M | 19.5% | 205.8 | 32.2M | $499.2M |
| 2018 | $1.0B | 17.0% | 191.8 | 31.2M | $673.9M |
| 2019 | $1.2B | 21.9% | 236.4 | 30.3M | $718.4M |
| 2020 | $1.3B | 22.9% | 342.9 | 29.9M | $750.2M |
| 2021 | $1.3B | 38.4% | 416.2 | 29.3M | $1.1B |
| 2022 | $1.4B | 39.4% | 503.4 | 26.3M | $1.8B |
| 2023 | $1.5B | 42.5% | 464.7 | 25.4M | $1.8B |
| 2024 | $1.7B | 42.7% | 607.4 | 25.1M | $2.1B |
| 2025 | $2.0B | 46.5% | 769.9 | 24.6M | $2.9B |
5 of 7 StockScorer Score rules met · How the score is built
Fair Isaac Corporation mainly meets criteria in the Growth category. Result from 18 strategies checked.
Fair Isaac Corporation is rated here with the StockScorer Score strategy, the flagship rule set. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
5 of 7 rules met
9 of 11 points
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Fair Isaac Corporation.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 26.5 | 35.1 |
| P/B ratio | −6.0 | 5.5 |
| Return on equity (ROE) | −43.1% | 14.6% |
| Equity ratio | −93.5% | 54.0% |
| Debt-to-equity (D/E) | −1.74 | 0.33 |
| Dividend yield | 0.0% | 0.9% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| FICO | Fair Isaac Corporationthis page | |
| DOCU | DocuSign Inc | locked |
| MANH | Manhattan Associates Inc | locked |
| GWRE | Guidewire Software Inc | locked |
| TYL | Tyler Technologies Inc | locked |
| DT | Dynatrace Holdings LLC | locked |
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