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
$39B
63.76
$25.55
1.35
-
Price and volume
Market cap
$39B
Beta
1.35
52-week high
$2,361.36
52-week low
$1,300.00
Average daily volume
350K
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)
63.756
Price to revenue (TTM)
20.593
Price to book
-28.09
Price to tangible book (TTM)
-17.98
Price to free cash flow (TTM)
53.111
Free cash flow yield (TTM)
1.88%
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
Fair Isaac’s direct licensing program for tri-merger resellers bypasses traditional credit bureaus’ mark-ups and drove FICO’s shares up 18% on announcement, demonstrating strong market endorsement of its strategic pricing shift. (Financial Times)
By selling its scoring software directly to resellers, FICO’s new distribution model is likely to ease regulatory scrutiny and reduce antitrust risk, preserving long-term pricing flexibility. (Financial Times)
FICO Scores maintain an entrenched competitive moat, with nearly 90% of U.S. lenders relying on its benchmark scoring model for credit decisions. (Reuters)
The Federal Housing Finance Agency’s approval of VantageScore 4.0 for government-backed mortgages directly undermines FICO’s pricing power and threatens its dominant market share in mortgage lending. (Financial Times)
FICO’s stock has fallen 24% year-to-date, reflecting investor concerns over growing pricing pressures and intensified competition. (Reuters)
Rising U.S. consumer financial strain and record delinquencies, as highlighted in FICO’s own report, may dampen future score volumes and revenue growth. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 31 Oct 2025.
Fair Isaac Financial Performance
Revenues and expenses
Fair Isaac Earnings Performance
Company profitability
Fair Isaac News
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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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FAQs
What’s the current market cap for Fair Isaac stock?
Fair Isaac (FICO) has a market cap of $39B as of November 07, 2025.
What is the P/E ratio for Fair Isaac stock?
The price to earnings (P/E) ratio for Fair Isaac (FICO) stock is 63.76 as of November 07, 2025.
Does Fair Isaac stock pay dividends?
No, Fair Isaac (FICO) stock does not pay dividends to its shareholders as of November 07, 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.