Fair Isaac/$FICO
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Capital at risk
About Fair Isaac
Founded in 1956, Fair Isaac is a leading applied analytics company. It is primarily known for its FICO credit scores, a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's revenue and profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.
- Ticker
- $FICO
- Sector
- Software & Cloud Services
- Primary listing
- NYSE
- Employees
- 3,876
- Headquarters
- Bozeman, United States
- Website
- www.fico.com
Fair Isaac Metrics
BasicAdvanced
$14B
19.18
$34.47
1.29
-
Price and volume
Market cap
$14B
Beta
1.29
52-week high
$1,886.28
52-week low
$586.05
Average daily volume
725K
Financial strength
Current ratio
1.183
Quick ratio
1.129
Long term debt to equity
-1.293
Total debt to equity
-1.366
Interest coverage (TTM)
6.69%
Profitability
EBITDA (TTM)
1,263.364
Gross margin (TTM)
85.10%
Net profit margin (TTM)
34.05%
Operating margin (TTM)
52.11%
Effective tax rate (TTM)
23.48%
Revenue per employee (TTM)
$620,000
Management effectiveness
Return on assets (TTM)
39.98%
Return on equity (TTM)
-29.67%
Valuation
Price to earnings (TTM)
19.183
Price to revenue (TTM)
6.487
Price to book
-3.49
Price to tangible book (TTM)
-2.92
Price to free cash flow (TTM)
16.16
Free cash flow yield (TTM)
6.19%
Free cash flow per share (TTM)
40.919
Growth
Revenue change (TTM)
24.09%
Earnings per share change (TTM)
34.90%
3-year revenue growth (CAGR)
17.58%
10-year revenue growth (CAGR)
10.55%
3-year earnings per share growth (CAGR)
27.95%
10-year earnings per share growth (CAGR)
26.02%
What the Analysts think about Fair Isaac
Analyst ratings (Buy, Hold, Sell) for Fair Isaac stock.
Analyst projections of the future price of Fair Isaac stock.
Bulls say / Bears say
FICO is still delivering strong near-term execution: third-quarter revenue rose 26% year on year, Scores revenue grew 41%, and management raised fiscal 2026 revenue and earnings guidance. This gives the bull case hard evidence of continued pricing power and earnings momentum. (Nasdaq)
The software transition is showing promising quality even though reported software revenue grew only 2%. Platform ARR rose 62%, platform dollar-based net retention reached 148%, and platform ARR overtook legacy non-platform ARR for the first time. (Nasdaq, The Motley Fool)
FICO has a route to defend and extend its mortgage franchise through newer models rather than relying only on Classic FICO. FICO 10T, which uses additional payment data such as rent and utilities, is expected to join VantageScore in mortgage underwriting, potentially broadening access and keeping FICO embedded in lender workflows. (CNBC)
FICO has lost exclusivity in a major mortgage channel. Fannie Mae and Freddie Mac now allow all approved lenders to use VantageScore 4.0, giving lenders a direct alternative to Classic FICO and creating a clear risk of lost volume. (CNBC, HousingWire)
Regulatory scrutiny threatens FICO’s unusually high mortgage-scoring prices. The FHFA director has accused the company of keeping consumer costs high and said the agency is studying changes that could reduce borrowing costs, increasing the risk of forced price cuts and lower margins. (Reuters)
The company has increased financial risk while its software migration remains uneven. After a large share repurchase, debt stood at about $5.58 billion; meanwhile, third-quarter software revenue grew only 2% and non-platform ARR fell 17%, leaving FICO more exposed if legacy products decline faster than the platform replaces them. (The Motley Fool, Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 2026.
Fair Isaac Financial Performance
Revenues and expenses
Fair Isaac Earnings Performance
Company profitability
Upcoming events
No upcoming events
Fair Isaac News
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Funds containing Fair Isaac
AllEURGBPUSD
Fund name | Fund size | $FICO weighting |
|---|---|---|
VanEck Morningstar Wide Moat€GMVM | €407M | 0.65% |
VanEck Morningstar Wide Moat£MOGB | £354M | 0.65% |
iShares S&P 500 Equal Weight€O4J0 | €4.3B | 0.14% |
iShares S&P 500 Equal Weight£EWSP | £3.7B | 0.14% |
Vanguard FTSE North America£VNRG | £2.5B | 0.05% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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