FICO
Fair Isaac
Information Technology · Application Software · US
$1,137.33
Data: 2025-09-30
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 85.7%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$26.1B
Total market value of the company
35.70
Expensive — high growth expected
20.70
Based on estimated future earnings — lower means cheaper
Rev Growth
+38.7%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
N/A
Return on equity — how efficiently it uses shareholder money
Analyst Target
$1,562.02
+37% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 20 analysts covering this stock
About Fair Isaac

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

https://www.fico.com

Country: United States Employees: 3,758 Industry: Software - Application
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
PASS
Core business does not involve prohibited activities
Debt Ratio
164.6% FAIL
Debt must be below 33% of total assets
Cash Ratio
2.9% PASS
Interest-bearing cash below 33% of assets
Receivables
35.5% PASS
Receivables below 49% of assets
Revenue Purity
0.0% PASS
Non-compliant revenue below 5% — any excess requires purification
Valuation
$1,358.00
What our model estimates this business is worth per share
16.2%
Slight discount to fair value
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
40.8th
Ranks in the top 59% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
62.5
Quality Score
43.8
Combined
36.8

Trading at $1126 against a fair value of $1358, a 17% discount. Fails ethical screen (Debt ratio). Ranks better than 58% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

MARKUP
Price trending up with increasing momentum
0.122
Positive but modest risk-adjusted returns
0.0125
Marginal edge — very small allocation suggested
-0.076
Drawdown risk outweighs the returns — higher risk profile
Annual Return
-4.7%
Historical annualised return based on price data
-61.3%
Largest peak-to-trough decline — the worst it has been
BULL
Statistical model sees bullish momentum
Days in State
10
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

1.23
Moves slightly more than the broader market
52W High
$2,217.60
49% below the year high
52W Low
$870.01
31% above the year low
Avg Volume
371,414
Average daily shares traded — higher means easier to buy and sell
3.8
Days it would take all short sellers to cover — higher means more crowded
Short % Float
8.0%
Moderate short interest
N/A
Annual dividend as a percentage of the share price
$31.53
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

2.22
Strong balance sheet — comfortably covers short-term obligations
Quick Ratio
2.07
Like current ratio but excludes inventory — stricter test
Gross Margin
84.2%
Revenue left after cost of goods — higher means pricing power
Operating Margin
58.2%
Profit from core operations before interest and tax
$731M
Positive — the business generates more cash than it spends
Revenue (TTM)
$2.3B
Total revenue over the last 12 months
Net Income
$760M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
20
Target High
$2,400.00
Target Median
$1,562.02
Target Low
$707.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

Date Insider Title Type Shares Value
2026-05-15 WEBER STEVEN P. Chief Financial Officer 706
2026-03-04 ARREDONDO FABIOLA R Director 154
2026-03-04 MANOLIS EVA Director 154
2026-03-04 REY DAVID A Director 94
2026-03-04 STANSBURY HENRY TAYLOE Director 77
2026-03-04 KELLY BRADEN R Director 171
2026-03-04 MCMORRIS MARC F Director 77
2026-02-25 MANOLIS EVA Director 520 $128,866
2026-02-25 MANOLIS EVA Director 520 $638,368
2026-02-24 REY DAVID A Director 3,192 $791,041
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2025-09-30

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