Fair Isaac Corporation (FICO) AI Stock Analysis

Fair Isaac Corporation develops analytic, software, and data decisioning technologies that facilitate automated, enhanced, and interconnected decision-making for businesses worldwide. Headquartered in Bozeman, Montana, the company operates across the Americas, Europe, the Middle East, Africa, and the Asia Pacific through two core segments: Scores and Software. The Software segment offers pre-configured solutions for account origination, customer management, fraud detection, financial crimes compliance, and marketing, powered by the modular FICO Platform and professional services. The Scores segment provides business-to-business credit scoring solutions integrated into transaction streams, as well as business-to-consumer scoring through myFICO.com subscription services.

Fair Isaac Corporation expanded annual revenue from $1.32B in FY2021 to $1.99B in FY2025, delivering a 5-year revenue CAGR of 9.0%. Growth accelerated in FY2025, with revenue rising 15.9% and net income reaching $651.9M, up from $512.8M in FY2024. Gross margin improved from 74.7% in FY2021 to 82.2% in FY2025, while operating margin expanded to 46.5%. For the trailing twelve months, revenue reached $2.39B, supported by an operating margin of 53.8% and net income margin of 34.1%. In the latest quarter ending June 30, 2026, quarterly revenue grew 25.7% year-over-year, while quarterly earnings expanded by 41.2%.

As of June 30, 2026, Fair Isaac Corporation held $248.4M in cash and short-term investments against $5.60B in total debt, resulting in net debt of $5.35B. Total assets stood at $2.04B, while shareholders' equity was -$4.10B due to cumulative share repurchases. The current ratio stood at 1.18. In FY2025, the company generated $769.9M in free cash flow from operating cash flow of $778.8M, while capital expenditures were limited to $8.9M. Fair Isaac allocated $1.41B to share buybacks in FY2025, reducing its share count by 17.5% over five years.

At $771.19 per share, Fair Isaac Corporation trades at a trailing P/E of 22.3x and a forward P/E of 16.1x, which are both lower than the median of its S&P 500 Technology peers at 31.5x and 20.9x, respectively. The company's EV/EBITDA of 19.2x sits slightly below the peer median of 19.9x, while its price-to-sales multiple of 7.0x trades at a premium to the peer median of 6.2x. Over the past year, the stock fell 52.4%, underperforming the S&P 500 benchmark gain of 16.8%. Over a 5-year horizon, the stock's return of 88.2% outperformed the index return of 83.0%.

Wall Street coverage includes 7 Strong Buy, 5 Buy, 7 Hold, 0 Sell, and 2 Strong Sell recommendations across 21 analysts tracking the company. The mean price target is $1031.89, representing an upside of 33.8% from the last close of $771.19. For the fiscal year ending September 30, 2026, analysts project revenue of $2.53B and EPS of $42.81, reflecting 43.3% earnings growth. For the subsequent year, consensus estimates call for $2.78B in revenue and EPS of $49.43. Fair Isaac has beaten EPS estimates in each of the last 4 quarters, with its next earnings release scheduled for November 4, 2026.

This page is an AI-written research summary of Fair Isaac Corporation (FICO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FICO income statement, FICO balance sheet, FICO key metrics, FICO analyst forecast, FICO chart. See the FICO stock overview for the latest quote and news.