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Stock Fair Isaac Corporation FICO

Fair Isaac Corporation — Investlytic score 3/5 on the five criteria.

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60/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 3/5 criteria met. Data as of 01/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ❌ Debt failed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 100.36%

Price change 2019 → 2020: 36.39%

Price change 2020 → 2021: -15.14%

Price change 2021 → 2022: 38.03%

Price change 2022 → 2023: 94.46%

Price change 2023 → 2024: 71.04%

Price change 2024 → 2025: -15.08%

Price change 2025 → 2026: -57.45%

Price change 2026 (year to date): -56.23%

Financial growth

Revenue CAGR (8 years): 9.83%

Earnings CAGR (8 years): 24.27%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Negative or zero equity.

P/E (Price/Earnings)

P/E ratio: 18.10

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 47.61% from the high over 6 months.

Excessive correction (> 20.0%).

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Criteria of the Investlytic model

- / 5
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Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Fair Isaac Corporation17.9–+8.3 %🔒
DocuSign, Inc.20.40.06+29.1 %–
CGI Inc.12.90.43+10.2 %–
AST SpaceMobile, Inc.–1.22+113.0 %–
Nutanix, Inc.37.1–+41.8 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Fair Isaac Corporation over the latest fiscal years.

Revenue
2.5 bn USD
fiscal year 2026
Net income
835 m USD
fiscal year 2026
Net margin
32.9 %
fiscal year 2026
Average annual growth
+14.0 %
Revenue growth over 5 years
Average annual growth
+11.1 %
Revenue growth over 10 years
Market cap
15.2 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
20211.3 bn392 m29.8 %n/a
20221.4 bn374 m27.1 %+4.6 %
20231.5 bn429 m28.4 %+9.9 %
20241.7 bn513 m29.9 %+13.5 %
20252.0 bn652 m32.8 %+15.9 %
20262.5 bn835 m32.9 %+27.3 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Fair Isaac Corporation over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
average accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
8.31
safe zone (above 2.99)
Piotroski Score
8 / 9
7 to 9: solid accounts
DCF Value
972.67 USD
DCF above share price · share price 682.10 USD, gap +42.6 %
Net Debt / EBITDA
4.01 x
high debt
Fiscal year20222023202420252026
Cash and investments133 m137 m151 m134 m218 m
Total Debt1.9 bn1.9 bn2.2 bn3.1 bn5.3 bn
Net Debt1.8 bn1.8 bn2.1 bn2.9 bn5.1 bn
Equity-802 m-688 m-963 m-1.7 bn-3.9 bn
Total assets1.4 bn1.6 bn1.7 bn1.9 bn2.1 bn
Operating cash flow509 m469 m633 m779 m1.1 bn
Investments (capex)6.0 m4.2 m8.9 m8.9 m2.1 m
Free cash-flow503 m465 m607 m770 m1.1 bn
Share buybacks1.1 bn406 m822 m1.4 bn3.0 bn
Dividends paid00000

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)19.31 x
Price / book value-3.90 x
Return on Equity (ROE)-28.1 %
Return on Invested Capital (ROIC)64.3 %
Net margin32.9 %
Debt / equity-1.36 x
Current ratio0.99 x
Interest coverage8.64 x
Free cash-flow yield7.0 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Fair Isaac Corporation compared with its sector on the same exchange and with its main competitors.

Company P/E
17.7
46.2 % below the sector
Sector median P/E
32.9
technology, NYSE
Sector over 10 years
38.6
10-year median, range 20.6 to 69.2

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Fair Isaac Corporation15.4 bn17.932.8 %
NICE Ltd. NICE6.7 bn9.720.8 %
nCino, Inc. NCNO2.4 bn18.4-7.0 %
TransUnion TRU14.6 bn17.39.9 %
ACI Worldwide, Inc. ACIW5.7 bn25.612.9 %
Sector median (NYSE)32.9

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Fair Isaac Corporation publish: ratings, price targets and earnings forecasts.

Majority rating
buy
21 analysts
Average price target
1,025.46 USD
from 700.00 USD to 1,675.00 USD, 37 targets over 12 months
Gap with the share price
+44.2 %
price 711.23 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 15hold 6sell 0strong sell 0

Analysts' average target 1,025.46 USD, DCF value 972.67 USD, share price 711.23 USD.

Average target over the last 3 months: 1,103.82 USD (22 targets).

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
20262.5 bn1.1 bn42.69 (42.38 / 43.37)16.713
20272.7 bn1.1 bn46.77 (42.40 / 51.00)15.213
20282.9 bn1.1 bn52.51 (30.84 / 66.94)13.510

Amounts in USD, the reporting currency.

Track record against expectations: reported EPS above consensus 8 times over the last 12 releases.

Rating changes (12 months)

DateFirmBeforeAfter
26/10/2026JP MorganNeutralNeutral
26/10/2026UBSNeutralNeutral
26/10/2026BMO CapitalOutperformOutperform
26/10/2026Wells FargoOverweightEqual Weight
19/10/2026MizuhoOutperformOutperform

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Fair Isaac Corporation.

Free float
96.8 %
share of freely traded shares
Large funds tracked
28
hold the stock as of 2026Q2
Executives (insiders)
2 / 3
2 purchases, 3 sales in 130 days
US elected officials
7
3 purchases, 4 sales in 12 months

Indices: S&P 500 (since 20/03/2023).

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
Vanguard Group3.0 m5.1 bn0.1 %-2.3 %2025Q4
State Street2.1 m2.5 bn0.0 %+102.1 %2026Q2
BlackRock2.1 m2.5 bn0.0 %-4.6 %2026Q2
Capital Research Global Investors1.3 m1.5 bn0.2 %+15.9 %2026Q2
Geode Capital Management731,782874 m0.1 %-0.8 %2026Q2
Capital World Investors715,987855 m0.1 %-2.3 %2026Q2
Morgan Stanley579,682693 m0.0 %-4.1 %2026Q2
Primecap Management362,835434 m0.3 %+25.5 %2026Q2

Latest insider transactions

DatePersonSideAmount
22/09/2026Rey David Apurchase7,367 USD
11/12/2025Rey David Asale14,607 USD
15/10/2025Rey David Apurchase13,093 USD
15/09/2025Rey David Asale12,442 USD
29/07/2026Manolis Evasale1.4 m USD

Elected officials' disclosures

DateOfficialSideAmount
27/03/2026Alan Armstrongpurchase$1,001 - $15,000
22/04/2026Michael T. McCaulsale$1,001 - $15,000
14/04/2026Gilbert Cisnerossale$1,001 - $15,000
13/03/2026Gilbert Cisnerospurchase$1,001 - $15,000
04/02/2026Josh Gottheimersale$1,001 - $15,000

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 22/07/1987
ISIN code
US3032501047
Workforce
3,718
full-time employees
Chief executive
William J. Lansing

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Fair Isaac Corporation

What is the Fair Isaac Corporation share price?

Latest recorded price: 704.55 USD on 06/11/2026, for a market cap of 15.2 bn USD.

What is the revenue of Fair Isaac Corporation?

2.5 bn USD for fiscal year 2026, with net income of 835 m USD (net margin 32.9 %).

What do analysts say about Fair Isaac Corporation?

Out of 21 analysts: 15 buy or strong buy, 6 hold, 0 sell or strong sell. Average price target: 1,025.46 USD, i.e. +44.2 % from the share price.

What is the P/E ratio of Fair Isaac Corporation?

Trailing 12-month P/E of 17.7, against 32.9 for the sector median on the same exchange (10-year median: 38.6).

Is Fair Isaac Corporation stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US3032501047).

How many employees does Fair Isaac Corporation have?

3,718 full-time employees according to the latest published profile.

Who runs Fair Isaac Corporation?

William J. Lansing is the company's chief executive.

Which large funds own Fair Isaac Corporation?

As of 2026Q2, among the large funds tracked: Vanguard Group, State Street, BlackRock, Capital Research Global Investors, Geode Capital Management.

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