Fair Isaac/$FICO
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About Fair Isaac
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is 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 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
3,855
Headquarters
Website
Fair Isaac Metrics
BasicAdvanced
$37B
60.80
$25.55
1.35
-
Price and volume
Market cap
$37B
Beta
1.35
52-week high
$2,361.36
52-week low
$1,300.00
Average daily volume
322K
Financial strength
Current ratio
0.921
Quick ratio
0.835
Long term debt to equity
-171.837
Total debt to equity
-200.414
Interest coverage (TTM)
7.24%
Profitability
EBITDA (TTM)
899.618
Gross margin (TTM)
81.75%
Net profit margin (TTM)
32.80%
Operating margin (TTM)
45.87%
Effective tax rate (TTM)
18.00%
Revenue per employee (TTM)
$500,000
Management effectiveness
Return on assets (TTM)
30.98%
Return on equity (TTM)
-56.82%
Valuation
Price to earnings (TTM)
60.795
Price to revenue (TTM)
19.636
Price to book
-26.79
Price to tangible book (TTM)
-17.15
Price to free cash flow (TTM)
50.644
Free cash flow yield (TTM)
1.97%
Free cash flow per share (TTM)
30.676
Growth
Revenue change (TTM)
16.66%
Earnings per share change (TTM)
34.32%
3-year revenue growth (CAGR)
12.27%
10-year revenue growth (CAGR)
8.83%
3-year earnings per share growth (CAGR)
23.37%
10-year earnings per share growth (CAGR)
25.05%
What the Analysts think about Fair Isaac
Analyst ratings (Buy, Hold, Sell) for Fair Isaac stock.
Bulls say / Bears say
FHFA’s July approval for Fannie Mae and Freddie Mac to use VantageScore 4.0 alongside FICO weakens FICO’s monopoly in the mortgage space and may diminish its pricing leverage in a market that represents nearly half of all U.S. mortgage originations (WSJ).
The CFPB’s May 1, 2025 request to revoke the medical debt exclusion rule signals regulatory uncertainty in credit reporting, increasing potential compliance expenses and unpredictability for FICO as its scoring models will need to keep pace with evolving data requirements (Reuters).
A July 11, 2025 ruling by a U.S. federal judge overturning the Biden-era prohibition on reporting medical debt adds to the legal instability of the credit reporting framework, which could further disrupt FICO’s underlying scoring methodology and the predictability of its revenues (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2025.
Fair Isaac Financial Performance
Revenues and expenses
Fair Isaac Earnings Performance
Company profitability
Fair Isaac News
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FAQs
What’s the current market cap for Fair Isaac stock?
Fair Isaac (FICO) has a market cap of $37B as of September 18, 2025.
What is the P/E ratio for Fair Isaac stock?
The price to earnings (P/E) ratio for Fair Isaac (FICO) stock is 60.8 as of September 18, 2025.
Does Fair Isaac stock pay dividends?
No, Fair Isaac (FICO) stock does not pay dividends to its shareholders as of September 18, 2025.
When is the next Fair Isaac dividend payment date?
Fair Isaac (FICO) stock does not pay dividends to its shareholders.
What is the beta indicator for Fair Isaac?
Fair Isaac (FICO) has a beta rating of 1.35. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.