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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
1132.930
Open
1122.000
VWAP
1.12K
Vol
315.43K
Mkt Cap
26.11B
Low
1100.000
Amount
353.17M
EV/EBITDA(TTM)
25.39
Total Shares
23.19M
EV
29.53B
EV/OCF(TTM)
32.55
P/S(TTM)
12.03
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)
2026-04-28
19:40:00
Market Pulls Back as OpenAI Misses Growth Targets
select
2026-04-28
16:30:00
Company Reports Q1 Revenue of $691.7M, Exceeds Expectations
select

News

Yahoo Finance
9.5
05-07Yahoo Finance
Fair Isaac Corporation Reports Strong Growth for FY2026
  • Significant Revenue Growth: Fair Isaac Corporation reported total revenue of $691.7 million for FQ2 2026, marking a 39% year-over-year increase, indicating strong market performance and sustained growth potential.
  • Net Income Improvement: GAAP net income rose to $264.5 million, or $11.14 per share, up from $162.6 million and $6.59 per share a year ago, reflecting a substantial enhancement in the company's profitability.
  • Business Drivers: The Scores segment saw a 60% revenue increase to $475.0 million, primarily driven by a 72% surge in B2B scoring solutions, highlighting strong demand and pricing power in the credit scoring market.
  • Upward Guidance Revision: The company raised its full-year FY2026 revenue guidance to $2.45 billion and GAAP EPS forecast to $35.60, demonstrating management's confidence in future performance and an optimistic market outlook.
Fool
2.0
05-05Fool
Major Shift in Mortgage Credit Scoring Economics
  • Credit Scoring Structure Change: Fair Isaac's (FICO) new pricing structure could reshape how lenders assess risk, thereby influencing loan pricing and management of housing cycles, enhancing market transparency.
  • Conversion Sensitivity Impact: The conversion sensitivity of the new pricing structure may lead lenders to adopt a more cautious approach in risk assessment, potentially affecting overall credit market liquidity and borrowing costs.
  • Regulatory Background Consideration: In the current regulatory environment, lenders must reassess their credit scoring models to ensure compliance with new regulations, which may result in increased compliance costs in the short term.
  • Investor Focus: Investors should closely monitor the potential impacts of this change on the lending market, particularly during economic fluctuations, as the new credit scoring mechanism may affect loan availability and interest rate levels.
Newsfilter
8.5
05-04Newsfilter
FICO Score 10T Outperforms VantageScore 4.0 in Mortgage Evaluation
  • Credit Score Advantage: A study by Milliman reveals that FICO Score 10T predicts default risk more accurately than VantageScore 4.0 across nearly 20 million mortgages, with an over 8% advantage in FHA loans, highlighting its significance for assessing first-time homebuyers and underserved borrowers.
  • Performance Improvement Trend: Since 2018, the performance advantage of FICO Score 10T has more than doubled, with a 7.4% outperformance over VantageScore 4.0 in 2023 GSE loans, indicating its effectiveness and reliability in navigating complex risk environments.
  • Free Access Program: FICO Score 10T is available through a free access program to over 55 mortgage lenders, covering $557 billion in originations and $1.6 trillion in mortgage servicing portfolios, aimed at enabling lenders to compare and evaluate without incurring additional costs.
  • Transparent Pricing Model: The FICO Mortgage Direct License Program offers FICO Score 10T at $0.99 per score, providing a lower-cost alternative to legacy distribution models while maintaining pricing transparency, assisting lenders in making informed decisions during the credit score modernization transition.
Fool
9.5
05-04Fool
Fair Isaac: The Leader in Credit Evaluation Market
  • Market Leadership: Fair Isaac dominates the credit evaluation sector, with its platform utilized by 90% of U.S. lenders, ensuring reliability and client trust through 35 years of historical data across economic cycles.
  • Strong Financial Performance: In the second quarter of fiscal 2026, Fair Isaac reported a 39% year-over-year revenue increase, with credit scoring revenue surging 60% and accounting for two-thirds of total revenue, highlighting the strength of its core business.
  • Stock Price Decline Reasons: Despite strong performance, Fair Isaac's stock has fallen 39%, primarily due to declining market confidence in software-as-a-service (SaaS) stocks and concerns over AI potentially replacing its business functions.
  • Antitrust Regulatory Pressure: The Federal Housing Finance Agency is attempting to break Fair Isaac's near-monopoly in the mortgage market, prompting the company to revise its pricing policies to address competitive and regulatory pressures, making home buying more affordable.
stocktwits
6.5
04-30stocktwits
Investor Steve Eisman Shorts Fair Isaac Corp.
  • Short Position Disclosure: Investor Steve Eisman revealed during a CNBC interview that he has taken a short position in credit-scoring firm Fair Isaac Corp. (FICO), indicating his pessimistic outlook on the company's future performance.
  • Price Hikes Spark Discontent: Eisman criticized FICO for raising credit check fees by 500% over many years, a move that has angered participants in the lending industry and could impact FICO's market competitiveness.
  • Stock Price Reaction: Following Eisman's remarks, FICO's shares fell nearly 6% in Thursday morning trading, reflecting market concerns about the company's future profitability.
  • Competitive Pressure: Eisman's comments highlight the pricing disparity between FICO and its competitor VantageScore, potentially prompting investors to reassess FICO's position and sustainability in the credit scoring market.
CNBC
6.5
04-30CNBC
Steve Eisman Bets Against FICO Amid Market Resilience
  • Market Environment Analysis: Steve Eisman highlights that the current market conditions are strikingly similar to last year, characterized by resilient credit conditions, heavy spending on artificial intelligence, and a bifurcated 'K-shaped' economy, indicating underlying market fragility and uncertainty.
  • FICO Short Strategy: Eisman openly states he is short on FICO, arguing that the company's 500% price increase over many years has alienated customers, allowing competitors like VantageScore to gain traction and pose a threat to FICO's market share.
  • Competitor Advantage: He points out that lenders could pay around $2,000 to FICO for every 100 mortgage applications, while using VantageScore costs approximately $99, showcasing VantageScore's increasing competitiveness in the market.
  • Stock Price Reaction: Following Eisman's announcement of his short position, FICO's shares fell 3.5% on Thursday, and the stock has declined nearly 40% so far in 2026, reflecting market concerns about its future prospects.
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
Jefferies
Surinder Thind
Buy
maintain
AI Analysis
2026-05-04
Reason
Jefferies
Surinder Thind
Price Target
AI Analysis
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.
Wells Fargo
Overweight
maintain
2026-04-30
Reason
Wells Fargo
Price Target
2026-04-30
maintain
Overweight
Reason
Wells Fargo lowered the firm's price target on FICO to $1,400 from $1,650 to reflect lower peer multiples, while keeping an Overweight rating on the shares. The firm notes FICO delivered a strong Q2 beat, largely driven by an outperformance in B2B scores. Guidance was raised, but remains below Street estimates, due to conservatism, Wells adds, pointing out that FICO is also seeing strong demand for its direct license program.
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 23.64, compared to its 5-year average forward P/E of 42.47. 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
42.47
Current PE
23.64
Overvalued PE
57.67
Undervalued PE
27.28

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
28.74
Current EV/EBITDA
17.21
Overvalued EV/EBITDA
37.71
Undervalued EV/EBITDA
19.77

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
14.12
Current PS
8.93
Overvalued PS
19.75
Undervalued PS
8.49

Financials

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Whales Holding FICO

D
D. E. Shaw & Co., L.P.
Holding
FICO
+15.38%
3M Return
C
Castle Hook Partners LP
Holding
FICO
+10.77%
3M Return
A
American Century Investment Management
Holding
FICO
+10.01%
3M Return
M
Moneta Group Investment Advisors, LLC
Holding
FICO
+9.85%
3M Return
C
Cornerstone Advisors, LLC
Holding
FICO
+9.29%
3M Return
I
Inspire Investing, LLC
Holding
FICO
+8.31%
3M Return

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Frequently Asked Questions

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

The current price of FICO is 1126 USD — it has decreased -0.21

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 10 2026.

What is Fair Isaac Corp (FICO) market cap?

Today FICO has the market capitalization of 26.11B USD.