Stock Analysis
Fair Isaac CorporationFICO
P/E 20.44×· 5Y range 16.50–124.85×· bottom 1% of history
Sector: Technology · Industry: Services-Business Services, Nec
AnalystsStrong Buy29 analystsP/E 20.4× sits at the 1st percentile of its 5.089664613278576-year history.
Cash covers 4% of debt · Q3 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Quality84
- Profitability75
High-quality business at an attractive price.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓Altman Z 8.0 — safe-zone balance sheet
- ✓Revenue CAGR 10.9% — durable top-line growth
- ✓P/E 20.4× at bottom 1% of 5-year history
What's happening with FICO
Profile
Strong moat, earnings quality and profitability.
How is each axis scored?
- Valuation69/100 · Moderate
- P/E vs own history (1th pct)25/25
- FCF yield (6.0%)20/25
- P/S (6.9x)12/25
- EV/EBIT (17.7x)12/25
- Growth72/100 · Moderate
- Revenue CAGR (10.9%)20/25
- Net income CAGR (13.6%)20/25
- EPS CAGR 5Y (18.6%)20/25
- Fwd implied growth (12.7%)12/25
- Profitability75/100 · Strong
- ROIC (78.0%)25/25
- ROE (n/a)0/25
- Net margin (34.1%)25/25
- Operating margin (51.7%)25/25
- Financial Health55/100 · Moderate
- Altman Z (7.96)25/25
- Current ratio (1.18)12/25
- Interest coverage (7.0x)18/25
- Net cash / debt (D/A 263%)0/25
- Quality84/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.74)25/25
- FCF conversion (122%)25/25
- Margin stability (σ 12.2%)12/25
- Moat100/100 · Strong
- ROIC >12% years (8/8 yrs)25/25
- Median gross margin (76.4%)25/25
- FCF-positive years (8/8 yrs)25/25
- Worst-year net margin (worst 13.8%)25/25
Risk Flags
- ⚠SBC 7.3% of revenue — real dilution cost
About Fair Isaac Corporation
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Show more
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 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.
Headquarters: BOZEMAN, MT · Employees: 3,876 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
69BP/E (TTM)20.3xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 16.5x–124.9x · 1st pct
P/FCF17.0xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.0%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 0.9%–7.4% · 99th pct
P/S (TTM)6.91xC
Grade C: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 5.6x–36.1x · 1st pct
EV/EBIT17.7xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 15.2x–88.0x · 1st pct
EV/Sales9.0xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E18.0xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B RatioNeg. EquityC
Grade C: BuybacksPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.63A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
75B+ROIC78.0%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROENeg. EquityC
Grade C: BuybacksReturn on Equity. Neg. equity = heavy buybacks
ROA41.8%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin34.1%A
Grade A: HighNet Income / Revenue
Operating Margin51.7%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin85.1%A
Grade A: PremiumGross Profit / Revenue
FCF Margin41.6%A
Grade A: HighFCF / Revenue
True FCF Margin34.3%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
72B+Revenue CAGR10.9%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR13.6%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)18.6%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth12.7%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-26.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income21.4%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue7.3%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
55CAltman Z-Score7.96A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.18xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.13xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage7.0xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment5.4yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT4.3xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity—
Debt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.04xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
84APiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.74A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion122.2%A
Grade A: StrongFCF / Net Income
Margin Stability12.2%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.2%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.23xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
KELLY BRADEN R Filed | KELLY BRADEN R | Option exercise | -1285 | |
KELLY BRADEN R Filed | KELLY BRADEN R | Option exercise | -1386 | |
KELLY BRADEN R Filed | KELLY BRADEN R | Option exercise | +1.3K | |
KELLY BRADEN R Filed | KELLY BRADEN R | Option exercise | +1.4K | |
Stansbury Henry Tayloe Filed | Stansbury Henry Tayloe | Option exercise | -91 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Stansbury Henry Tayloe Filed | Stansbury Henry Tayloe | Option exercise | +91 | |
KELLY BRADEN R Filed | KELLY BRADEN R | Option exercise | -1682 | |
KELLY BRADEN R Filed | KELLY BRADEN R | Option exercise | +1.7K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
100A+ROIC >12% Years8/8 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)76.4%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years8/8 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor13.8%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$37.74
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$11.50
Cash & short-term investments per share (Finnhub)
Book Value / Share$4.40
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$5.60B
Total debt obligations (short + long term)
Cash & Equiv.$248.44M
Cash and short-term investments
Net Debt$5.35B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$-4.10B
Shareholders' equity (book value)
Asset / Liability0.33xD
Grade D: RiskyTotal Assets / Total Liabilities
Market
Market Cap$16.55B
Current Market Capitalization
Beta1.40C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Fair Isaac Corporation (FICO)
Fair Isaac Corporation meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 7.96 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.74 suggests a low likelihood of earnings manipulation.
- Fair Isaac Corporation converts about 42% of revenue into free cash flow — strong cash generation.
- Takes ~5.4 years to repay net debt from free cash flow.
See how FICO ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all FICO moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 1 | Regular | 672.23 | +13.46% | 2.23 |
| Sep 29 | Pre-market | 672.56 | -20.02% | -4.89 |
| Sep 29 | Regular | 613.37 | -27.06% | -7.05 |
| Sep 28 | After-hours | 760.00 | -9.62% | -2.04 |
Frequently Asked Questions about FICO
What is the current Fair Isaac Corporation (FICO) stock price?
FICO is trading at $771.19 at the last market close, up 0.16% on the session. PreMarketPrice tracks FICO pre-market, intraday and after-hours prices.
Is FICO stock a buy right now?
PreMarketPrice's quantitative model rates Fair Isaac Corporation's financial health at 55/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is FICO stock overvalued?
Fair Isaac Corporation trades at a trailing P/E of 20.3 and our valuation score rates it 69/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Fair Isaac Corporation report earnings?
No confirmed earnings date is currently scheduled for FICO. The Earnings section lists recent reports and updates as dates are announced.
What sector does Fair Isaac Corporation operate in?
Fair Isaac Corporation operates in the Technology sector, within the Services-Business Services, Nec industry. The Related Stocks section lists sector peers for comparison.
What does Fair Isaac Corporation do?
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company.
About Fair Isaac Corporation (FICO) Stock
Fair Isaac Corporation (FICO) is a US-listed stock operating in the Technology sector, specifically the Services-Business Services, Nec industry. As of the latest update, Fair Isaac Corporation is trading at $771.19, up 0.16% on the day with a market capitalization of $16.6 billion. The financial health score for FICO is 55/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FICO stock.
FICO Stock Analysis & Key Metrics
On PreMarketPrice, you can track Fair Isaac Corporation (FICO) across multiple dimensions:
- Pre-market price & movement: Real-time FICO stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FICO with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Fair Isaac Corporation across multiple reporting periods.
- Financial health score: A composite score of 55/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FICO.
- Sector peers: Compare FICO against 6 other technology stocks on key financial metrics.
Is FICO a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Fair Isaac Corporation (FICO) as an investment. The financial health score of 55/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Fair Isaac Corporation (FICO) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.