Fair Isaac (FICO) Stock Price, News & Analysis

Company Overview

Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.

FICO’s product portfolio centers on analytics and decisioning technologies. Its offerings include credit-scoring models, decision-management platforms, fraud detection and prevention systems, identity resolution tools, and collections and recovery solutions. The company provides software and cloud-based services that enable banks, credit unions, card issuers, retailers, insurers, and government agencies to automate risk decisions, detect and mitigate fraud, improve customer treatment strategies, and meet regulatory requirements. FICO combines proprietary scoring models with machine learning and optimization tools to help clients make data-driven decisions across the customer lifecycle.

FICO serves a wide range of enterprise customers in financial services, insurance, telecommunications and retail, delivering solutions as on-premises software, hosted services and cloud-native applications. Over its history the company has become a standard-setting provider in consumer credit scoring and enterprise decision management, and it continues to invest in analytics, AI and cloud deployment to address evolving risk, compliance and fraud challenges in global markets.

Key Stats

• Today's Range: $1,150.00 to $1,243.00
• 50-Day Range: $924.21 to $1,282.35
• 52-Week Range: $870.01 to $1,998.01
• Volume: 395,284 shs
• Average Volume: 420,682 shs
• Market Capitalization: $28.53 billion
• P/E Ratio: 38.97
• Dividend Yield: N/A
• Price Target: $1,619.36
• Consensus Rating: Moderate Buy

Fair Isaac Stock Analysis - MarketRank™

Fair Isaac scored higher than 95% of companies evaluated by MarketBeat, and ranked 34th out of 622 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Fair Isaac has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 10 buy ratings, 5 hold ratings, and no sell ratings.

Upside Potential

Fair Isaac has a consensus price target of $1,619.36, representing about 31.6% upside from its current price of $1,230.41.

Amount of Analyst Coverage

Fair Isaac has been the subject of 11 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 26.38%

Earnings Growth

Earnings for Fair Isaac are expected to grow by 26.38% in the coming year, from $37.99 to $48.01 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Fair Isaac is 38.97, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.53.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fair Isaac is 38.97, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 168.50.

Price to Earnings Growth Ratio

Fair Isaac has a PEG Ratio of 1.05. PEG Ratios above 1 indicate that a company could be overvalued.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.95% of the float of Fair Isaac has been sold short.

Short Interest Ratio / Days to Cover

Fair Isaac has a short interest ratio ("days to cover") of 3.32, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Fair Isaac has recently increased by 5.19%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: N/A

Dividend Yield

Fair Isaac does not currently pay a dividend.

Dividend Growth

Fair Isaac does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, Fair Isaac will have a dividend payout ratio of 0.17% next year. This indicates that Fair Isaac will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: 1.05

News Sentiment

Fair Isaac has a news sentiment score of 1.05. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.50 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 24 news articles for Fair Isaac this week, compared to 10 articles on an average week.

Search Interest

39 people have searched for FICO on MarketBeat in the last 30 days. This is an increase of 39% compared to the previous 30 days.

MarketBeat Follows

Only 8 people have added Fair Isaac to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Fair Isaac insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $638,368.00 in company stock.

Percentage Held by Insiders

3.02% of the stock of Fair Isaac is held by insiders.

Percentage Held by Institutions

85.75% of the stock of Fair Isaac is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 4/28/2026
• Today: 5/21/2026
• Next Earnings (Estimated): 7/29/2026
• Fiscal Year End: 9/30/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Computer and Technology
• Industry: IT Services
• Sub-Industry: Application Software
• Current Symbol: NYSE:FICO
• CIK: 814547
• Web: www.fico.com
• Phone: (406) 982-7276
• Fax: 408-535-1776
• Employees: 3,811
• Year Founded: 1956

Price Target and Rating

• Average Price Target for Fair Isaac: $1,619.36
• High Price Target: $2,200.00
• Low Price Target: $1,150.00
• Potential Upside/Downside: +31.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 15 Analysts

Profitability

• EPS (Trailing Twelve Months): $31.57
• Trailing P/E Ratio: 38.97
• Forward P/E Ratio: 32.39
• P/E Growth: 1.05
• Net Income: $651.95 million
• Net Margins: 33.67%
• Pretax Margin: 43.77%
• Return on Equity: -41.04%
• Return on Assets: 37.92%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.22
• Quick Ratio: 2.22

Sales & Book Value

• Annual Sales: $1.99 billion
• Price / Sales: 14.33
• Cash Flow: $27.61 per share
• Price / Cash Flow: 44.57
• Book Value: ($90.62) per share
• Price / Book: -13.58

Miscellaneous

• Outstanding Shares: 23,190,000
• Free Float: 22,491,000
• Market Cap: $28.53 billion
• Optionable: Optionable
• Beta: 1.24