FICO

Fair Isaac Corp

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1541.620

+16.33(1.071%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

1544.420

Open

1533.390

VWAP

1.54K

Vol

190.05K

Mkt Cap

37.53B

Low

1520.750

Amount

292.32M

EV/EBITDA(TTM)

48.24

Total Shares

24.71M

39.91B

EV/OCF(TTM)

56.31

P/S(TTM)

20.83

Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Company’s 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 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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

507.07M

+15.25%

7.217

+24.65%

526.84M

+16.09%

7.917

+21.05%

515.39M

+15.08%

7.804

+24.86%

Estimates Revision

The market is revising Downward the revenue expectations for Fair Isaac Corporation (FICO) for FY2025, with the revenue forecasts being adjusted by -0.27% over the past three months. During the same period, the stock price has changed by -15.11%.

Revenue Estimates for FY2025

Revise Downward

-0.27%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.58%

In Past 3 Month

Stock Price

Go Down

-15.11%

In Past 3 Month

11 Analyst Rating

57.69% Upside

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 is 2431 USD with a low forecast of 1900 USD and a high forecast of 3700 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.

9 Buy

2 Hold

0 Sell

Strong Buy

57.69% Upside

Current: 1541.620

Low

1900

Averages

2431

High

3700

57.69% Upside

Current: 1541.620

Low

1900

Averages

2431

High

3700

Jefferies

Buy

maintain

$2,150

2025-07-17

New

Reason

Jefferies

Price Target

$2,150

2025-07-17

New

maintain

Buy

Reason

After FICO management broke its silence following weeks of being attacked by the FHFA director by publishing a white paper exposing what it believes are flaws in the FHFA's plans to move to Lender's Choice, Jefferies called the series of rebuttals "fairly comprehensive" and said it sees "strong merit in FICO's arguments." The firm, which thinks the response will give investors "greater conviction" that FICO's leading position and pricing power in mortgage will remain intact, reiterates a Buy rating and $2,150 price target on FICO shares.

BofA

Buy -> Buy

downgrade

2025-07-16

New

Reason

BofA

Price Target

2025-07-16

New

downgrade

Buy -> Buy

Reason

BofA analysts removed Amazon.com (AMZN) and FICO (FICO) from the firm's US 1 List. Both stocks remain Buy rated. The US 1 list represents BofA's best investment ideas.

Needham

Kyle Peterson

Buy

downgrade

2025-07-16

New

Reason

Needham

Kyle Peterson

Price Target

2025-07-16

New

downgrade

Buy

Reason

Needham analyst Kyle Peterson lowered the firm's price target on FICO to $1,950 from $2,575 but keeps a Buy rating on the shares. The stock has pulled back after the FHFA announcement that VantageScore 4.0 can now be accepted by Fannie Mae and Freddie Mac amid investor concern about the days of the "FICO monopoly" being over, but while there are still questions to be answered, FICO has numerous levers around auto scores pricing, buying back more stock, and streamlining G&A in parts of the software business, the analyst tells investors in a research note. Needham is still feel confident that FICO's 20%+ EPS growth remains the base case moving forward.

Wells Fargo

Overweight

maintain

2025-07-09

Reason

Wells Fargo

Price Target

2025-07-09

maintain

Overweight

Reason

Wells Fargo lowered the firm's price target on FICO to $2,300 from $2,600 and keeps an Overweight rating on the shares. The firm says it awaits further clarity from the FHFA following Director Bill Pulte's tweets that the GSEs would accept Vantage Score 4.0 and incentivize lenders who use both VS and FICO with better pricing. It's unclear if FICO is still mandated by the GSEs, Wells adds.

Barclays

Overweight

downgrade

2025-07-09

Reason

Barclays

Price Target

2025-07-09

downgrade

Overweight

Reason

Barclays lowered the firm's price target on FICO to $2,000 from $2,250 and keeps an Overweight rating on the shares. The Federal Housing Finance Agency Director Bill Pulte tweeted yesterday Fannie and Freddie will now accept Vantage Score 4.0 and maintain the tri-merge system in order to promote competition for credit scoring, the analyst tells investors in a research note. The firm views this as less of a short-term concern for FICO, but says it could be a long-term issue to consider.

BMO Capital

Ryan Griffin

Outperform

initiated

$2,000

2025-07-09

Reason

BMO Capital

Ryan Griffin

Price Target

$2,000

2025-07-09

initiated

Outperform

Reason

BMO Capital analyst Ryan Griffin initiated coverage of FICO with an Outperform rating and $2,000 price target. The firm says FICO is among the highest-quality businesses it covers with 90% margins on its Scores business. BMO acknowledges the concerns following comments from the Federal Housing Finance Agency director in May and July, but sees further share upside amid a recovery in industry volumes.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Fair Isaac Corp (FICO.N) is 47.61, compared to its 5-year average forward P/E of 41.55. 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.

Fair

5Y Average PE

41.55

Current PE

47.61

Overvalued PE

55.56

Undervalued PE

27.53

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.

Fair

5Y Average EV/EBITDA

28.92

Current EV/EBITDA

32.43

Overvalued EV/EBITDA

37.74

Undervalued EV/EBITDA

20.10

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.

Fair

5Y Average PS

13.54

Current PS

17.46

Overvalued PS

19.20

Undervalued PS

7.87