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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q3
FY2025Q4
FY2026Q1
520.40M
+16.2%
7.785
+24.56%
526.59M
+16.04%
7.935
+21.33%
507.68M
+15.39%
7.210
+24.53%
Estimates Revision
The market is revising Downward the revenue expectations for Fair Isaac Corporation (FICO) for FY2025, with the revenue forecasts being adjusted by -0.3% over the past three months. During the same period, the stock price has changed by -5.84%.
Revenue Estimates for FY2025
Revise Downward
-0.3%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+0.59%
In Past 3 Month
Stock Price
Go Down
-5.84%
In Past 3 Month
11 Analyst Rating
0Wall 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
0Current: 1763.640
Low
1900
Averages
2431
High
3700
0Current: 1763.640
Low
1900
Averages
2431
High
3700
RBC Capital
Outperform
maintain
$2,170
2025-06-13
Reason
RBC Capital
Price Target
$2,170
2025-06-13
maintain
Outperform
Reason
RBC Capital reiterated an Outperform rating and $2,170 price target on Fair Isaac after the Federal Housing Finance Agency published its 2024 Annual Report. Contrary to expectations, there were no significant updates regarding credit scores, including the transition from tri-merge to bi-merge or the requirements for adopting FICO Score 10 T or VantageScore 4.0, the analyst tells investors in a research note. The firm added that its price target continues to support its Outperform rating.
Redburn Atlantic
Neutral
maintain
2025-06-05
Reason
Redburn Atlantic
Price Target
2025-06-05
maintain
Neutral
Reason
Redburn Atlantic raised the firm's price target on FICO to $2,097 from $2,045 and keeps a Neutral rating on the shares. The firm says recent Federal Housing Finance Agency comments have revived fears of regulation for FICO's U.S. credit scores business, leading initially to a 30% decline in the shares in just over a week. Risks to FICO's monopoly "are non-zero in the long run, with negative implications for its longer term valuation," the analyst tells investors in a research note. However, Redburn believes the recent share correction overstates the likelihood that regulation can have any real impact on FICO's pricing in the near term. It sees a near-term opportunity in the shares despite maintaining a Neutral rating.
Jefferies
Buy
maintain
$2,500
2025-05-29
Reason
Jefferies
Price Target
$2,500
2025-05-29
maintain
Buy
Reason
Jefferies says Federal Housing Finance Agency Director Bill Pulte's "vague comments" reinforce its view that the FHFA cannot directly regulate FICO and the prices it charges. The director's "media blitz appears to be more of a pressure tactic," the analyst tells investors in a research note. The firm says that although headline risk remains, the pullback in FICO shares "has created a long-awaited opportunity." Jefferies sees a lack of insight into potential political action against FICO and keeps a Buy rating on the shares with a $2,500 price target.
Baird
Baird
Neutral -> Outperform
upgrade
2025-05-28
Reason
Baird
Baird
Price Target
2025-05-28
upgrade
Neutral -> Outperform
Reason
Baird upgraded FICO to Outperform from Neutral with a price target of $1,900, down from $2,021. The material share pullback on "changing regulatory risk perception" returns FICO to a valuation that can enable good multi-year upside, while reducing the magnitude of potential downside risk, creating a favorable risk/reward, the analyst tells investors in a research note. The firm considers FICO Scores the best financial model it has seen. The company has a "very attractive" market position and provides systemic value, contends Baird. It believes the company will continue to plan to manage to Scores pricing increases, and expects material eventual mortgage volume normalization. While FICO's regulatory risks are real, they are now better priced into the shares and "likely reasonably manageable."
BTIG
Eric Hagen
Buy
maintain
2025-05-22
Reason
BTIG
Eric Hagen
Price Target
2025-05-22
maintain
Buy
Reason
BTIG analyst Eric Hagen says Buy-rated PennyMac Financial (PFSI) remains attractive below 8-times earnings. While there could be some downside to the firm's origination estimates if the 10-year keeps backing up, BTIG thinks the company can hang onto at least a low-teens ROE if mortgage rates get up near 8%. MBS spreads over Treasuries in the secondary market are relatively stable around +155 bps following Trump's post on Wednesday that the Administration is looking at a public offering of the GSEs. Fannie Mae (FNMA) is up greater than 20% this week, and is up 5-times since the election, the firm notes. BTIG also notes that FICO (FICO) corrected 15% on Wednesday, and Equifax (EFX) was down 6% after FHFA Director Pulte took aim at the cost of consumer credit reports. The firm believes Director Pulte's comments only appear to take issue with the cost of credit reports, versus the use/application of credit scores as a primary metric to determine guarantee fees and loan pricing.
Raymond James
Patrick O'Shaughnessy
Outperform
maintain
2025-05-21
Reason
Raymond James
Patrick O'Shaughnessy
Price Target
2025-05-21
maintain
Outperform
Reason
Raymond James analyst Patrick O'Shaughnessy says that while recent commentary by the Federal Housing Finance Agency director is clearly aimed at FICO's (FICO) pricing power, it is unlikely the agency will direct Fannie Mae (FNMA) and Freddie Mac (FMCC) to move away from requiring FICO scores. In addition, the FHFA does not have the authority to directly regulate FICO's pricing, the analyst tells investors in a research note. The FHFA could direct Fannie and Freddie to no longer require the FICO score at all, potentially in favor of the VantageScore alternative which is co-owned by the three credit bureaus, but this is a "low probability nuclear option" by the FHFA that would threaten to disrupt the entire mortgage-backed security ecosystem and would be poorly received by owners of Fannie and Freddie mortgages, contends Raymond James. The firm keeps an Outperform rating on FICO.
See All Ratings
Valuation Metrics
The current forward P/E ratio for Fair Isaac Corp (FICO.N) is 55.07, compared to its 5-year average forward P/E of 41.43. 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
41.43
Current PE
55.07
Overvalued PE
55.37
Undervalued PE
27.50
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
28.83
Current EV/EBITDA
36.96
Overvalued EV/EBITDA
37.59
Undervalued EV/EBITDA
20.07
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.
Overvalued
5Y Average PS
13.38
Current PS
20.00
Overvalued PS
19.01
Undervalued PS
7.75
Financials
Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds areBuying! The buying amount has increased 143.79% over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
FICO News & Events
Events Timeline
(ET)
2025-05-28
09:55:02
Early notable gainers among liquid option names on May 28th
2025-05-27 (ET)
2025-05-27
10:34:33
FHFA director Pulte says 'still not happy' with FICO, will make 'decisions' soon
2025-05-22 (ET)
2025-05-22
09:55:02
Early notable gainers among liquid option names on May 22nd
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