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FICO Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
1299.990
Open
1289.880
VWAP
1.27K
Vol
344.22K
Mkt Cap
29.00B
Low
1248.510
Amount
435.91M
EV/EBITDA(TTM)
28.79
Total Shares
23.19M
EV
33.48B
EV/OCF(TTM)
36.90
P/S(TTM)
13.86
Fair Isaac Corporation is an analytics software company. The Scores segment includes business-to-business (B2B) scoring solutions and services which give its clients access to predictive credit and other scores that can be easily integrated into their transaction streams and decision-making processes. This segment also includes its business-to-consumer (B2C) scoring solutions, including its myFICO.com subscription offerings. Its Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process-such as account origination, customer management, customer engagement, fraud detection and marketing-as well as associated professional services. This segment also includes 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 its customers to address a wide variety of business use cases.
Show More

Events Timeline

(ET)
2026-05-27
08:20:00
FICO Introduces New Features to Assist Mortgage Professionals
select
2026-05-20 (ET)
2026-05-20
08:10:00
FICO Launches Next-Gen UltraFICO Credit Score
select
2026-05-19 (ET)
2026-05-19
10:00:00
ServiceNow and Others See Notable Stock Gains
select
2026-05-19
08:20:00
Banco Bradesco Scales Daily Payroll Lending Over 100 Times
select
2026-05-18 (ET)
2026-05-18
08:20:00
T-Mobile Partners with FICO for Platform Transformation
select

News

Newsfilter
4.5
05-28Newsfilter
Fuel Crisis Intensifies Payment Pressures
  • Decline in Spending: FICO's latest data indicates that average UK credit card spending fell by 6.6% to £740, reflecting the negative impact of the fuel crisis on consumer spending, which could lead to an overall economic slowdown.
  • Increase in Delinquency: The percentage of customers missing one payment rose by 29.5% month-on-month, while those missing two payments increased by 11.3%, indicating heightened financial pressure on consumers that may lead to increased credit risk.
  • Decreased Payment Ratio: The overall payment percentage dropped to 33%, down 1% month-on-month and 3.7% year-on-year, suggesting a continued weakening of consumer payment capacity under economic stress, which could impact financial institutions' profitability.
  • Changes in Credit Card Balances: Although the average credit card balance rose by 4.3% year-on-year to £1,925, it decreased by 0.8% month-on-month, indicating consumer spending tightening in response to high fuel costs, which may affect future consumer confidence.
Fool
8.5
05-27Fool
Upstart Launches AI-Powered Credit Assessment Algorithm
  • AI Algorithm Innovation: Upstart's AI-powered algorithm analyzes over 2,500 data points, gradually enhancing its predictive capabilities, which significantly improves credit assessment accuracy and efficiency compared to the traditional FICO scoring system, potentially transforming the lending industry.
  • Loan Origination Growth: In Q1 2026, Upstart originated 425,356 loans, a 77% increase year-over-year, with 91% of loans processed fully automated, indicating widespread application of its AI technology in credit approvals, enhancing customer experience and market competitiveness.
  • Record Revenue: Upstart generated $308 million in revenue during Q1, representing a 44% year-over-year growth, and despite a net loss of $6.6 million due to increased operating expenses, the adjusted EBITDA of $40 million highlights its profitability potential.
  • Broad Market Outlook: Upstart forecasts $1.4 billion in revenue for 2026, with expectations to exceed $2.5 billion by 2028; if AI fully replaces traditional credit assessments, Upstart could tap into a $1 trillion annual revenue opportunity, underscoring its strategic significance.
NASDAQ.COM
9.5
05-27NASDAQ.COM
Upstart's AI Algorithm Fuels Credit Growth and Revenue Surge
  • Significant Revenue Growth: Upstart generated a record $308 million in revenue during Q1 2026, representing a 44% year-over-year increase, showcasing the effectiveness of its AI algorithm in credit assessment, with expectations of reaching $1.4 billion in revenue for the year, further solidifying its market position.
  • Surge in Loan Originations: The company originated 425,356 loans in Q1, a 77% increase from the previous year, with personal loans making up the majority, indicating strong demand and rapid growth potential in the credit market.
  • Efficient Approval Process: Upstart's AI system enabled 91% of loan applications to be fully automated, reducing approval times from days to minutes, significantly enhancing customer experience and strengthening competitive advantage in the market.
  • Future Growth Outlook: Management forecasts a compound annual growth rate of 35% through 2028, potentially exceeding $2.5 billion in revenue, indicating substantial long-term growth potential for Upstart in the global credit market.
Newsfilter
8.5
05-21Newsfilter
FICO Celebrates 70th Anniversary, Looks to the Future
  • Milestone Innovation: FICO celebrates its 70th anniversary at FICO World 2026 with the launch of the 'Hello, Future' campaign, highlighting its leadership in analytics and AI, which is expected to further enhance the company's global market influence.
  • Client Conference Success: The event attracts thousands of business leaders from over 60 countries, marking the 50th anniversary of the company's first client conference in 1976, showcasing FICO's enduring appeal and impact in the industry.
  • Industry Standard Setter: The FICO® Score, introduced in 1989, has become the industry standard for credit risk in the U.S., used by 90% of top U.S. lenders, significantly enhancing the objectivity and consistency of credit decision-making.
  • Focus on Responsible AI: FICO is committed to developing transparent and responsible AI models, holding nearly 240 issued patents and 80 pending applications, reflecting the company's dedication to advancing responsible AI to support future business decisions.
Newsfilter
8.5
05-18Newsfilter
FICO Score 10T Emerges as Top Credit Score for First-Time Homebuyers
  • Enhanced Score Accuracy: An independent study reveals that FICO® Score 10T outperforms VantageScore 4.0 in predicting first-time homebuyer mortgage risk, significantly impacting loan approvals and terms, thereby facilitating homeownership for more Americans.
  • Strong FHA Loan Performance: For FHA first-time homebuyer mortgages, FICO Score 10T exceeds VantageScore 4.0 by over 10%, particularly during origination periods with higher default rates, reinforcing its value in managing default risk effectively.
  • Higher Credit Score Distribution: FICO Score 10T enables more first-time buyers to qualify for the highest credit score tiers compared to VantageScore 4.0, enhancing lenders' ability to assess creditworthiness and offer favorable loan conditions to qualified buyers.
  • Cost-Free Access to New Score: FICO Score 10T is available at no cost through the FICO Score 10T Free Access Program to nearly 60 lenders, allowing them to conduct side-by-side testing without incurring additional fees, ensuring they can evaluate its effectiveness independently.
Fool
9.5
05-14Fool
Upstart's Q1 Earnings Disappoint, Stock Down 39%
  • AI Credit Evaluation Innovation: Upstart's AI-driven credit evaluation platform fundamentally changes lending practices, with management claiming its model approves more borrowers without adding risk, enhancing lending efficiency and market competitiveness.
  • Partner Expansion: Since going public, Upstart has increased its lending partners from 10 to over 100, recently securing a deal with USF Credit Union in Florida, indicating significant improvement in market penetration.
  • Significant Business Growth: In Q1 2026, Upstart's originations in auto lending and home products surged by 300% and 250% year-over-year, respectively, demonstrating rapid expansion into new sectors and strong market demand.
  • Bank Charter Application: Upstart is applying for a bank charter, which could further expand its operational scope; however, it faces competition from other credit disruptors, and with a current P/E ratio of 69, investors should carefully assess the investment opportunity.
Wall Street analysts forecast FICO stock price to rise
9 Analyst Rating
Wall Street analysts forecast FICO stock price to rise
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
1700
Averages
2126
High
2500
Current: 0.000
sliders
Low
1700
Averages
2126
High
2500
BofA
Buy
downgrade
AI Analysis
2026-05-19
Reason
BofA
Price Target
AI Analysis
2026-05-19
downgrade
Buy
Reason
BofA lowered the firm's price target on FICO to $1,400 from $1,550 and keeps a Buy rating on the shares. The firm adjusted price targets within the business and information services group after Q1 earnings.
Jefferies
Surinder Thind
Buy
maintain
2026-05-04
Reason
Jefferies
Surinder Thind
Price Target
2026-05-04
maintain
Buy
Reason
Jefferies analyst Surinder Thind lowered the firm's price target on FICO to $1,700 from $1,800 and keeps a Buy rating on the shares. The company's fiscal Q2 results were far above expectations, the analyst tells investors in a research note. However, Jefferies believes investors remain concerned about the potential for market share loss to VantageScore 4.0 as FICO's regulatory landscape "continues to evolve." The firm thinks FICO "will ultimately win out" and that patient investors will be well rewarded.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for FICO
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Valuation Metrics

The current forward P/E ratio for Fair Isaac Corp (FICO.N) is 30.49, compared to its 5-year average forward P/E of 42.30. For a more detailed relative valuation and DCF analysis to assess Fair Isaac Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
42.30
Current PE
30.49
Overvalued PE
57.59
Undervalued PE
27.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average EV/EBITDA
28.62
Current EV/EBITDA
19.22
Overvalued EV/EBITDA
37.67
Undervalued EV/EBITDA
19.57

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
14.11
Current PS
10.12
Overvalued PS
19.75
Undervalued PS
8.47

Financials

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Whales Holding FICO

D
D. E. Shaw & Co., L.P.
Holding
FICO
+26.29%
3M Return
C
Castle Hook Partners LP
Holding
FICO
+19.49%
3M Return
K
Kensico Capital Management Corp.
Holding
FICO
+14.98%
3M Return
C
CapFinancial Partners, LLC
Holding
FICO
+14.41%
3M Return
C
Cornerstone Advisors, LLC
Holding
FICO
+14.35%
3M Return
A
American Century Investment Management
Holding
FICO
+14.26%
3M Return

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Frequently Asked Questions

What is Fair Isaac Corp (FICO) stock price today?

The current price of FICO is 1250.59 USD — it has decreased -3.53

What is Fair Isaac Corp (FICO)'s business?

Fair Isaac Corporation is an analytics software company. The Scores segment includes business-to-business (B2B) scoring solutions and services which give its clients access to predictive credit and other scores that can be easily integrated into their transaction streams and decision-making processes. This segment also includes its business-to-consumer (B2C) scoring solutions, including its myFICO.com subscription offerings. Its Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process-such as account origination, customer management, customer engagement, fraud detection and marketing-as well as associated professional services. This segment also includes 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 its customers to address a wide variety of business use cases.

What is the price predicton of FICO Stock?

Wall Street analysts forecast FICO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FICO is2126 USD with a low forecast of 1700 USD and a high forecast of 2500 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Fair Isaac Corp (FICO)'s revenue for the last quarter?

Fair Isaac Corp revenue for the last quarter amounts to 691.68M USD, increased 38.69

What is Fair Isaac Corp (FICO)'s earnings per share (EPS) for the last quarter?

Fair Isaac Corp. EPS for the last quarter amounts to 11.14 USD, increased 69.04

How many employees does Fair Isaac Corp (FICO). have?

Fair Isaac Corp (FICO) has 3811 emplpoyees as of May 30 2026.

What is Fair Isaac Corp (FICO) market cap?

Today FICO has the market capitalization of 29.00B USD.