NAS10029,447+1.73%S&P7,638+1.14%GOLD$4,406+0.14%BTC$77,436VIX15.44−12.82%live tape · as of 11:00 UTC
The Screen · Technology · Software - Application
Fair Isaac
FICO · a US exchange · USD · Market cap $21.2B · 3,758 employees
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.
FAIL · Does not pass the screen
983.19 USD
At the last full screen 2026-09-09
Screened 2026-09-09 · the tape above runs as of 11:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its distribution label.
Fair Isaac holds its Distribution at $983.19. Consolidating, no directional conviction, held for 1 days.
As held on the ledger · 2026-09-09
Phase
Distribution · caution
Quantitative state
Consolidating, no directional conviction, held for 1 days
Price at the screen
$983.19
Valuation
28.47 trailing · 18.53 forward price to earnings
Values screen
FAIL· score 10.0
Beta
1.32
The Workings
Five Screens, Shown in Full
Does not pass. Debt ratio
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
164.60%
Below 33%
Interest-bearing debt is 164.6% of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
2.92%
Below 33%
Cash held in interest-bearing accounts and securities is 2.9% of assets, under the one-third limit.
Pass
Receivables
35.51%
Below 49%
Money owed to the company is 35.5% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 48% discount to our $1,454.75 fair value, 25.70% revenue growth.
Fair value range in USD, drawn from the 2026-09-09 screen. The gold marker is the market price at the same screen. A 48.0% margin of safety to the base estimate.
Third-party analyst targets: 19 covering, consensus Buy. The average target sits +56% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-09 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Credit score giant stumbles on debt screen
Every bank loan or credit card approval runs through FICO scores somewhere in the chain. The business posts 39 percent revenue growth and 34 percent profit margins, yet the ethical screen flags a debt ratio breach and we rate the name avoid.
The forward multiple sits at 23 times earnings with a 17 percent margin of safety to our fair value. That combination still fails the debt test, so we pass regardless of analyst targets clustered near 1522.
High margins can mask leverage that later bites when rates stay elevated. The unknown moat adds another layer of uncertainty we prefer to skip.
The risks · The things to watch: it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
FICO trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-29Markup$1,172.67-8.4%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 8.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are down 31%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (20 analysts) rates it buy, with a mean price target of $1532.
2026-07-28Markup$1,280.57+12.6%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 12.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are down 31%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (20 analysts) rates it buy, with a mean price target of $1532.
2026-07-18Markup$1,137.33+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are down 31%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (20 analysts) rates it buy, with a mean price target of $1532.
2026-07-03Markup$1,137.33+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Markup$1,137.33Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
