FICO
BULLISH
$1741.37
Live
Fair Isaac Corporation · NYSE
Target $2016.44
(+15.8%)
$1300.0
52W Range
$2400.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Nov 16, 2025
Market cap
$41.29B
P/E
65.79
ROE
N/A
Profit margin
32.7%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
88%
FICO demonstrates elite profitability and consistent earnings outperformance, supported by strong double-digit revenue and earnings growth, positioning it favorably within the high-margin software application sector. Despite a 25% pullback over the past year, the stock shows signs of stabilization with a 6.4% rebound in the last six months and positive near-term momentum. Valuation remains rich but justifiable given superior margins—particularly the 48.1% operating margin and 82.2% gross margin—relative to peers trading at higher multiples despite weaker fundamentals. Analysts reflect confidence with a $2016 target implying 15.7% upside, though insider selling activity presents a notable counter-signal.
Key Strengths
Exceptional profitability with 48.1% operating margin, significantly above sector average of 16.85%
High gross margin of 82.23%, indicative of scalable, asset-light software business model
Consistent earnings beat streak: 3 out of last 4 quarters beat estimates, with 5-year history of frequent positive surprises (average +15% surprise in 2020–2022)
Strong ROA of 32.62%, reflecting efficient use of assets to generate profit
Revenue growth of 13.6% YoY outpaces several large-cap peers including FI (0.9%) and NXPI (-2.4%)
Key Risks
Elevated valuation with P/E of 65.8 and Price/Sales of 20.7, creating vulnerability to multiple contraction in rising rate environments
Negative Price/Book of -23.70 suggests intangible-heavy balance sheet and potential accounting complexity or stock-based compensation drag
Insider selling pressure: $54.5M in CEO sales over last 6 months signals lack of confidence at the top
Weak liquidity profile with current ratio of 0.83 and quick ratio of 0.78, below 1.0 safety threshold
Near-term earnings deceleration: most recent Q/Q EPS growth was -9.7%, indicating possible softness in sequential momentum
AI Fair Value Estimate
Based on comprehensive analysis
$2016.0
+15.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
65
82
90
60
0
AI Verdict
FICO earns a strong overall score due to exceptional profitability, durable growth, and favorable analyst outlook, though rich valuation and insider selling temper enthusiasm; it compares favorably to peers like ROP and TEAM on growth-quality metrics despite trading at a premium.
Key drivers: Superior margin profile and capital efficiency, Consistent earnings outperformance and visibility, Analyst price target implying meaningful upside
Confidence
88%
Value
65/100
While FICO’s valuation appears stretched, it is less extreme versus the sector’s sky-high average P/E of 126, and its growth and margin superiority justify a premium to peers like FI and NXPI
Positives
- Forward P/E of 46.85 is more reasonable than current 65.8, suggesting earnings growth will de-risk valuation
- Trading below analyst target of $2016, offering 15.7% upside
Watchpoints
- Current P/E of 65.8 is well above sector average of 126.42 but not extreme given quality
- Price/Sales of 20.7 and negative P/B raise concerns about balance sheet transparency and multiple sustainability
Future
82/100
Despite a recent sequential dip in EPS, FICO’s long-term growth trajectory remains robust, supported by strong YoY trends and improving price action over the last month (+6.4%) after a deep 1Y drawdown
Positives
- 13.6% YoY revenue growth and 17.9% earnings growth indicate strong forward momentum
- Analyst target price implies confidence in sustained execution and market expansion
Watchpoints
- Q/Q EPS decline of -9.7% raises near-term execution concerns
- Lack of free cash flow and operating cash flow data limits visibility into reinvestment capacity
Past
90/100
FICO has delivered exceptional historical profitability and earnings quality over five years, evidenced by 268% 5Y return and consistent margin expansion, though recent quarters show increased volatility and share price weakness
Positives
- Long history of beating earnings estimates, particularly during 2020–2022 with double-digit surprises
- Profit margins and ROA have remained consistently high, demonstrating pricing power and operational discipline
Watchpoints
- Two misses in the last four quarters, including a -4.8% miss in Feb 2025, suggest some volatility in delivery
- 1Y return of -25% underperforms both sector and broader market
Health
60/100
FICO’s liquidity ratios are below industry norms and raise caution, though the software model may allow for lower working capital needs; peer comparisons are difficult due to missing capital structure data
Positives
- No debt or cash data reported, but negative P/B may reflect large intangibles rather than distress
- High ROA of 32.62% suggests efficient asset utilization despite liquidity constraints
Watchpoints
- Current ratio of 0.83 and quick ratio of 0.78 indicate potential short-term liquidity pressure
- Absence of debt/equity and cash/debt figures limits full solvency assessment
Dividend
0/100
FICO does not pay a dividend, which is common for high-growth software firms prioritizing reinvestment, but reduces total return potential in flat markets
Positives
No standout positives identified.
Watchpoints
- No dividend paid, limiting appeal to income-oriented investors
- Payout ratio of 0% indicates no current return of capital via dividends
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$1741.37
Analyst Target
$2016.44
Upside/Downside
+15.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FICO and closest competitors.
Updated 2025-11-14
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FICO
Fair Isaac Corporation
Primary
|
+268.0% | +182.5% | -25.0% | -20.9% | +6.4% | +0.1% |
|
DDOG
Datadog, Inc.
Peer
|
+35.4% | +62.5% | +19.0% | -17.1% | +6.2% | -3.7% |
|
ERIC
Telefonaktiebolaget LM Ericsson (publ)
Peer
|
+6.5% | +130.9% | +58.3% | +30.2% | +3.6% | +2.2% |
|
PAYX
Paychex, Inc.
Peer
|
+38.6% | +0.9% | -20.7% | -26.9% | -11.2% | +0.1% |
|
ASX
ASE Technology Holding Co., Ltd.
Peer
|
+238.7% | +199.9% | +83.8% | +84.7% | +24.7% | -0.1% |
FIC
Fair Isaac Corporation
Primary
5Y
+268.0%
3Y
+182.5%
1Y
-25.0%
6M
-20.9%
1M
+6.4%
1W
+0.1%
DDO
Datadog, Inc.
Peer
5Y
+35.4%
3Y
+62.5%
1Y
+19.0%
6M
-17.1%
1M
+6.2%
1W
-3.7%
ERI
Telefonaktiebolaget LM Ericsson (publ)
Peer
5Y
+6.5%
3Y
+130.9%
1Y
+58.3%
6M
+30.2%
1M
+3.6%
1W
+2.2%
PAY
Paychex, Inc.
Peer
5Y
+38.6%
3Y
+0.9%
1Y
-20.7%
6M
-26.9%
1M
-11.2%
1W
+0.1%
ASX
ASE Technology Holding Co., Ltd.
Peer
5Y
+238.7%
3Y
+199.9%
1Y
+83.8%
6M
+84.7%
1M
+24.7%
1W
-0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
65.79
Forward P/E
46.85
PEG Ratio
N/A
P/B Ratio
-23.7
P/S Ratio
20.74
EV/Revenue
22.22
EV/EBITDA
46.54
Market Cap
$41.29B
Profitability
Profit margins and return metrics
Profit Margin
32.75%
Operating Margin
48.1%
Gross Margin
82.23%
ROE
N/A
ROA
32.62%
Growth
Revenue and earnings growth rates
Revenue Growth
+13.6%
Earnings Growth
+17.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+14.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
0.83
Weak
Quick Ratio
0.78
Poor
Cash/Share
$5.66
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-03
$N/A
2025-11-05
$7.74
+5.2% surprise
2025-07-30
$8.57
+11.3% surprise
2025-04-29
$7.81
+4.9% surprise
Technology Sector Comparison
Comparing FICO against 565 companies in the Technology sector
(45 bullish, 197 neutral, 323 bearish)
P/E Ratio
65.79
This Stock
vs
82.88
Sector Avg
-20.6%
(Discount)
Profit Margin
32.75%
This Stock
vs
-11.75%
Sector Avg
-378.7%
(Weaker)
Revenue Growth
13.6%
This Stock
vs
4383.21%
Sector Avg
-99.7%
(Slower)
Current Ratio
0.83
This Stock
vs
3.59
Sector Avg
-76.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FICO
Fair Isaac Corporation
|
BULLISH | $41.29B | 65.79 | -% | 32.7% | $1741.37 | |
|
DDOG
Datadog, Inc.
|
NEUTRAL | $41.77B | 380.81 | 3.3% | 3.1% | $118.05 | Compare |
|
ERIC
Telefonaktiebolaget LM...
|
NEUTRAL | $40.53B | 12.8 | 28.3% | 12.0% | $12.16 | Compare |
|
PAYX
Paychex, Inc.
|
NEUTRAL | $40.34B | 25.13 | 41.3% | 27.9% | $112.1 | Compare |
|
ASX
ASE Technology Holding Co., Ltd.
|
NEUTRAL | $42.3B | 38.78 | 10.9% | 5.6% | $19.39 | Compare |
FICO
Fair Isaac Corporation
BULLISH
Mkt Cap
$41.3B
P/E
65.8
ROE
-%
Price
$1741.37
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-10 | LANSING WILLIAM J | Chief Executive Officer | Gift | 13,333 | - |
| 2025-11-10 | LANSING WILLIAM J | Chief Executive Officer | Sale | 2,400 | $4,158,921 |
| 2025-10-14 | LANSING WILLIAM J | Chief Executive Officer | Sale | 4,942 | $8,062,065 |
| 2025-10-14 | LANSING WILLIAM J | Chief Executive Officer | Sale | 1,069 | $1,764,031 |
| 2025-10-14 | LANSING WILLIAM J | Chief Executive Officer | Option Exercise | 6,011 | $1,112,336 |
| 2025-09-09 | LANSING WILLIAM J | Chief Executive Officer | Sale | 6,011 | $9,241,910 |
| 2025-09-09 | LANSING WILLIAM J | Chief Executive Officer | Option Exercise | 6,011 | $1,112,336 |
| 2025-08-28 | LANSING WILLIAM J | Chief Executive Officer | Sale | 6,010 | $9,026,047 |
| 2025-08-28 | LANSING WILLIAM J | Chief Executive Officer | Option Exercise | 6,010 | $1,112,150 |
| 2025-08-22 | STANSBURY HENRY TAYLOE | Director | Stock Award | 91 | - |
| 2025-07-08 | LANSING WILLIAM J | Chief Executive Officer | Sale | 3,811 | $5,967,995 |
| 2025-07-08 | LANSING WILLIAM J | Chief Executive Officer | Sale | 2,200 | $3,917,060 |
| 2025-07-08 | LANSING WILLIAM J | Chief Executive Officer | Option Exercise | 6,011 | $1,112,336 |
| 2025-07-03 | BEHL NIKHIL | Officer | Stock Award | 242 | - |
| 2025-06-10 | LANSING WILLIAM J | Chief Executive Officer | Sale | 6,010 | $10,624,574 |
LANSING WILLIAM J
Chief Executive Officer
2025-11-10
13,333 shares
LANSING WILLIAM J
Chief Executive Officer
2025-11-10
2,400 shares
·
$4,158,921
LANSING WILLIAM J
Chief Executive Officer
2025-10-14
4,942 shares
·
$8,062,065
LANSING WILLIAM J
Chief Executive Officer
2025-10-14
1,069 shares
·
$1,764,031
LANSING WILLIAM J
Chief Executive Officer
2025-10-14
6,011 shares
·
$1,112,336
LANSING WILLIAM J
Chief Executive Officer
2025-09-09
6,011 shares
·
$9,241,910
LANSING WILLIAM J
Chief Executive Officer
2025-09-09
6,011 shares
·
$1,112,336
LANSING WILLIAM J
Chief Executive Officer
2025-08-28
6,010 shares
·
$9,026,047
LANSING WILLIAM J
Chief Executive Officer
2025-08-28
6,010 shares
·
$1,112,150
STANSBURY HENRY TAYLOE
Director
2025-08-22
91 shares
LANSING WILLIAM J
Chief Executive Officer
2025-07-08
3,811 shares
·
$5,967,995
LANSING WILLIAM J
Chief Executive Officer
2025-07-08
2,200 shares
·
$3,917,060
LANSING WILLIAM J
Chief Executive Officer
2025-07-08
6,011 shares
·
$1,112,336
BEHL NIKHIL
Officer
2025-07-03
242 shares
LANSING WILLIAM J
Chief Executive Officer
2025-06-10
6,010 shares
·
$10,624,574
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
19 analysts
JP Morgan
2025-11-06
Neutral
Neutral
Jefferies
2025-11-06
Buy
Buy
Baird
2025-11-06
Outperform
Outperform
BMO Capital
2025-11-06
Outperform
Outperform
Wells Fargo
2025-10-14
Overweight
Overweight
Barclays
2025-10-02
Overweight
Overweight
Needham
2025-10-02
Buy
Buy
Seaport Global
2025-10-01
Buy
UBS
2025-09-15
Neutral
Neutral
UBS
2025-09-08
Neutral
Neutral
Past News Coverage
Recent headlines mentioning FICO from our newsroom.
Newest → oldest
No matching news yet.