Fair Isaac (FICO) Stock Price, News & Analysis

Company Overview

Fair Isaac Corporation (NYSE: FICO) is a leading data analytics and decision management company that develops predictive models and software to help organizations make informed business decisions. Founded in 1956 by William “Bill” Fair and Earl Isaac, the company pioneered credit scoring with the introduction of its renowned FICO Score in 1981. Since its initial public offering in 1987, FICO has evolved into a global provider of analytic tools and consulting services designed to optimize risk management, fraud prevention, customer engagement and regulatory compliance.

At the core of FICO’s offerings is the FICO Score, a credit scoring model used by lenders to gauge consumer creditworthiness. Beyond credit scoring, FICO delivers a suite of decision management solutions including the FICO Decision Management Platform, which integrates predictive analytics, machine learning, and optimization to automate and enhance complex decision processes. The company also provides specialized applications such as Blaze Advisor for rules-based decisioning, FICO Falcon Fraud Manager to detect and deter fraud, and debt management tools to streamline collections and recovery operations.

FICO serves clients across a wide range of industries, including banking, insurance, healthcare, telecommunications and retail. Its solutions are deployed through flexible delivery models, offering cloud-based Software-as-a-Service (SaaS) as well as on-premises software installations. This versatility enables organizations of all sizes to adapt FICO’s advanced analytics and decision management capabilities to their unique operational and regulatory requirements.

With a presence in more than 90 countries, FICO operates regional offices in North America, Europe, Latin America, Asia-Pacific and the Middle East. The company is led by Chairman and Chief Executive Officer William “Bill” Lansing, who oversees a management team focused on driving innovation in artificial intelligence, machine learning and digital transformation. By combining domain expertise with cutting-edge technology, FICO continues to shape how businesses evaluate risk and unlock value from data.

Key Stats

• Today's Range: $1,825.01 to $1,866.60
• 50-Day Range: $1,500.17 to $2,202.57
• 52-Week Range: $1,484.29 to $2,402.52
• Volume: 88,775 shs
• Average Volume: 195,098 shs
• Market Capitalization: $45.17 billion
• P/E Ratio: 79.91
• Dividend Yield: N/A
• Price Target: $2,304.15
• Consensus Rating: Moderate Buy

Fair Isaac Stock Analysis - MarketRank™

Fair Isaac scored higher than 96% of companies evaluated by MarketBeat, and ranked 30th out of 662 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: 3.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Fair Isaac has received a consensus rating of Moderate Buy. The company's average rating score is 2.93, and is based on 11 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Fair Isaac has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 31.72%

Earnings Growth

Earnings for Fair Isaac are expected to grow by 31.72% in the coming year, from $24.15 to $31.81 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Fair Isaac is 79.91, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fair Isaac is 79.91, which means that it is trading at a more expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 37.24.

Price to Earnings Growth Ratio

Fair Isaac has a PEG Ratio of 2.97. PEG Ratios above 1 indicate that a company could be overvalued.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.68% 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 3.5, 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 10.10%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

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 Coverage

The dividend payout ratio of Fair Isaac is 0.34%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Fair Isaac will have a dividend payout ratio of 0.25% next year. This indicates that Fair Isaac will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.7 / 5
• Environmental Score: -0.43

Percentage of Shares Shorted

3.68% 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 3.5, 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 10.10%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: 1.56

News Sentiment

Fair Isaac has a news sentiment score of 1.56. 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 0.66 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for Fair Isaac this week, compared to 20 articles on an average week.

Search Interest

Only 12 people have searched for FICO on MarketBeat in the last 30 days. This is a decrease of -54% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Fair Isaac to their MarketBeat watchlist in the last 30 days. This is a decrease of -89% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 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 $40,543,770.00 in company stock.

Percentage Held by Insiders

Only 3.46% 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.

FICO Stock Analysis - Frequently Asked Questions

How have FICO shares performed this year?

Fair Isaac's stock was trading at $1,990.93 at the beginning of the year. Since then, FICO stock has decreased by 6.8% and is now trading at $1,855.5250.

How were Fair Isaac's earnings last quarter?

Fair Isaac Corporation (NYSE:FICO) posted its quarterly earnings data on Tuesday, April, 29th. The technology company reported $7.81 EPS for the quarter, topping the consensus estimate of $7.33 by $0.48. The firm's quarterly revenue was up 15.0% compared to the same quarter last year.
Read the conference call transcript.

Is Fair Isaac buying back stock?

Fair Isaac's Board of Directors approved a stock buyback program on Thursday, June 19th 2025, which allows the company to repurchase $1,000,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 2.3% of its shares through open market purchases. Shares buyback programs are typically a sign that the company's leadership believes its shares are undervalued.

Does Fair Isaac have any subsidiaries?

Fair Isaac subsidiaries include these companies: EZMCOM, GoOn LLC, QuadMetrics, Tonbeller, InfoCentricity, Karmasphere, Infoglide, and others.

Who are Fair Isaac's major shareholders?

Top institutional investors of Fair Isaac include Central Pacific Bank Trust Division and HBW Advisory Services LLC. Insiders that own company stock include James M Wehmann, Richard Deal, William J Lansing, Mark R Scadina, James Kirsner, Braden R Kelly, Thomas A Bowers, Stephanie Covert, Michael S Leonard, Steven P Weber, David A Rey, Marc F Mcmorris, Henry Tayloe Stansbury, Eva Manolis and Joanna Rees.
View institutional ownership trends.

How do I buy shares of Fair Isaac?

Shares of FICO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Fair Isaac own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Fair Isaac investors own include Waste Connections (WCN), The RMR Group (RMR), iShares Micro-Cap ETF (IWC), American Water Works (AWK), DiamondRock Hospitality (DRH), AU Optronics (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/29/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 9/30/2025

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: 3,586
• Year Founded: 1956

Price Target and Rating

• Average Stock Price Target: $2,304.15
• High Stock Price Target: $2,800.00
• Low Stock Price Target: $1,725.00
• Potential Upside/Downside: +24.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.93
• Research Coverage: 14 Analysts

Profitability

• EPS (Trailing Twelve Months): $23.22
• Trailing P/E Ratio: 79.91
• Forward P/E Ratio: 76.83
• P/E Growth: 2.97
• Net Income: $512.81 million
• Net Margins: 31.36%
• Pretax Margin: 38.14%
• Return on Equity: -51.41%
• Return on Assets: 29.91%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.11
• Quick Ratio: 2.11

Sales & Book Value

• Annual Sales: $1.84 billion
• Price / Sales: 24.54
• Cash Flow: $18.88 per share
• Price / Cash Flow: 98.27
• Book Value: ($39.54) per share
• Price / Book: -46.93

Miscellaneous

• Outstanding Shares: 24,342,000
• Free Float: 23,500,000
• Market Cap: $45.17 billion
• Optionable: Optionable
• Beta: 1.28