Fair Isaac (FICO) Stock Price, News & Analysis

Company Overview

Fair Isaac Corporation, commonly known as FICO, is a leading analytics software company that specializes in credit scoring, decision management, and predictive analytics. Best known for its FICO Score, which is widely used by lenders to assess consumer credit risk, the company also provides solutions for fraud detection, customer management, and regulatory compliance. FICO’s offerings are designed to help organizations make data-driven decisions, optimize processes, and mitigate risk across diverse business functions.

FICO’s product portfolio includes credit scoring models, decision-management platforms such as the FICO® Platform and FICO® Decision Management Suite, and industry-specific analytics solutions. Their services cater to financial institutions, insurers, retailers, telecommunications providers, and government agencies, enabling these organizations to automate decisions around lending, underwriting, collections, and risk monitoring. The company also offers consulting and training services to support the implementation and ongoing optimization of its software solutions.

Founded in 1956 by engineer Bill Fair and mathematician Earl Isaac, FICO is headquartered in San Jose, California. Over the decades, the company has expanded its global footprint, serving clients in North America, Latin America, Europe, the Middle East, Africa, and the Asia-Pacific region. Through strategic partnerships and acquisitions, FICO has continuously evolved its analytics capabilities, integrating emerging technologies such as artificial intelligence and machine learning into its decision-management and scoring platforms.

Under the leadership of President and CEO Will Lansing, FICO continues to focus on innovation in financial risk management and customer analytics. The company’s executive team comprises seasoned professionals with expertise in software development, data science, and financial services. FICO remains committed to advancing analytic technology and supporting organizations worldwide in making smarter, faster, and fairer decisions.

Key Stats

• Today's Range: $1,511.04 to $1,593.29
• 50-Day Range: $1,309.09 to $1,866.98
• 52-Week Range: $1,300.00 to $2,402.51
• Volume: 224,403 shs
• Average Volume: 312,430 shs
• Market Capitalization: $37.06 billion
• P/E Ratio: 60.39
• Dividend Yield: N/A
• Price Target: $2,098.14
• Consensus Rating: Moderate Buy

Fair Isaac Stock Analysis - MarketRank™

Fair Isaac scored higher than 100% of companies evaluated by MarketBeat, and ranked 16th out of 669 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: 4.5 / 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.

Upside Potential

Fair Isaac has a consensus price target of $2,098.14, representing about 35.9% upside from its current price of $1,544.06.

Amount of Analyst Coverage

Fair Isaac has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 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 60.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.46.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fair Isaac is 60.39, 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 438.42.

Price to Earnings Growth Ratio

Fair Isaac has a PEG Ratio of 2.98. 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

3.97% 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 2.7, 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 7.20%, 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 0.31%. 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

3.97% 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 2.7, 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 7.20%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.39

News Sentiment

Fair Isaac has a news sentiment score of 1.39. 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 0.89 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 47 news articles for Fair Isaac this week, compared to 29 articles on an average week.

Search Interest

28 people have searched for FICO on MarketBeat in the last 30 days. This is an increase of 17% compared to the previous 30 days.

MarketBeat Follows

Only 12 people have added Fair Isaac to their MarketBeat watchlist in the last 30 days. This is a decrease of -40% 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 $28,153,015.00 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 start of the year. Since then, FICO stock has decreased by 22.4% and is now trading at $1,544.06.

How were Fair Isaac's earnings last quarter?

Fair Isaac Corporation (NYSE:FICO) issued its earnings results on Wednesday, July, 30th. The technology company reported $8.57 EPS for the quarter, beating the consensus estimate of $7.75 by $0.82. The business's revenue for the quarter was up 19.8% 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 authorizes the company to repurchase $1,000,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 2.3% of its shares through open market purchases. Shares buyback programs are often a sign that the company's management 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 Vanguard Group Inc. (12.49%), State Street Corp (4.51%), Geode Capital Management LLC (2.97%) and JPMorgan Chase & Co. (2.34%). 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, Joanna Rees and Eva Manolis.
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: 7/30/2025
• Today: 9/12/2025
• Fiscal Year End: 9/30/2025
• Next Earnings (Estimated): 11/05/2025

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 Price Target for Fair Isaac: $2,098.14
• High Price Target: $2,800.00
• Low Price Target: $1,590.00
• Potential Upside/Downside: +35.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.93
• Research Coverage: 14 Analysts

Profitability

• EPS (Trailing Twelve Months): $25.57
• Trailing P/E Ratio: 60.41
• Forward P/E Ratio: 64.10
• P/E Growth: 2.98
• Net Income: $512.81 million
• Net Margins: 32.80%
• Pretax Margin: 40.00%
• Return on Equity: -48.88%
• Return on Assets: 31.72%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $1.72 billion
• Price / Sales: 21.63
• Cash Flow: $19.10 per share
• Price / Cash Flow: 81.06
• Book Value: ($39.54) per share
• Price / Book: -39.15

Miscellaneous

• Outstanding Shares: 24,000,000
• Free Float: 23,173,000
• Market Cap: $37.15 billion
• Optionable: Optionable
• Beta: 1.35