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Fair Isaac Corp (FICO) stock analysis

FICONYSEServices-Business Services, NECFiscal year ends September 30
Financials through Q4 FY2026, quarter ended Sep 30, 2026Last filing: 10-K on Nov 6, 2026Score 18/3047% below fair value
$728.85−1.81 (-0.25%)

Close on Nov 11, 2026Market cap $15.74BP/E 20.1Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value5Growth6Performance4Health3Dividend0

Solid18 of 30 checks passed

Fair Isaac passes 18 of the 30 checks behind our score; 9 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
5/6
Growth
6/6
Past performance
4/6
Financial health
3/6
Dividend
0/6

What stands out

  • Margin of safety over 20%

    The price is 46.6% below fair value, more than the 20% cushion we look for.

  • Trading below fair value

    The share price of $728.85 is below our fair value estimate of $1365.33.

  • Return on capital over 10%

    Return on invested capital was 82.0%, above the 10% that usually covers the cost of capital.

  • Earnings grew over 5 years

    Net income grew 16.3% a year on average over the last five fiscal years.

What to watch

  • P/S above the industry

    Fair Isaac's price-to-sales of 6.21 is above the Miscellaneous Business Services median of 1.67 (book value is negative, so we use sales).

  • Short-term assets don't cover short-term debts

    Current assets are 0.99 times current liabilities.

  • No dividend

    Fair Isaac has not paid a dividend in the last twelve months.

Valuation5/6

  • P/E below its 5-year median

    Fair Isaac's P/E of 20.1 is below its own 5-year median of 53.2.

  • P/E below the industry

    Fair Isaac's P/E of 20.1 is below the Miscellaneous Business Services median of 25.8.

  • EV/EBITDA below its 5-year median

    Fair Isaac's EV/EBITDA of 16.2 is below its 5-year median of 35.2.

  • P/S above the industry

    Fair Isaac's price-to-sales of 6.21 is above the Miscellaneous Business Services median of 1.67 (book value is negative, so we use sales).

  • Trading below fair value

    The share price of $728.85 is below our fair value estimate of $1365.33.

  • Margin of safety over 20%

    The price is 46.6% below fair value, more than the 20% cushion we look for.

Growth6/6

  • Revenue growing 10%+ a year

    Revenue grew 18.8% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 29.0% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 28.1% over the last twelve months, against a 5-year average of 16.3% a year.

  • Growing faster than the industry

    Revenue grew 27.3% over the last twelve months; the Miscellaneous Business Services median is 9.9%.

  • Guidance raised

    Fair Isaac raised its fiscal 2026 Revenues outlook on Jul 29, 2026.

  • Gross margin improving

    Gross margin was 86.1% over the last twelve months, against 82.2% a year earlier.

Past performance4/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on capital over 10%

    Return on invested capital was 82.0%, above the 10% that usually covers the cost of capital.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings grew over 5 years

    Net income grew 16.3% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 32.9% over the last twelve months, against a 5-year average of 30.2%.

  • Net margin above the industry

    Fair Isaac's net margin of 32.9% is above the Miscellaneous Business Services median of 3.8%.

Financial health3/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 20.4% of total debt.

  • Interest well covered

    Operating income covers interest expense 5.7 times.

  • Short-term assets don't cover short-term debts

    Current assets are 0.99 times current liabilities.

  • Low bankruptcy risk

    The Altman Z-score is 8.45; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    Fair Isaac has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$1,365.33

The share price is 47% below this estimate.

20%+ below
Near fair value
20%+ above
$728.85Price$1,365.33Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E39.6×53.2×25.8×$1,437.7553%
EV/EBITDA25.5×35.2×15.7×$1,282.5847%
Earnings powerleft out, too far from the others10.8% cost of equity––$350.94–
Fair value$1,365.33100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 53.2
  • Miscellaneous Business Services median 25.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$739.34M
Value traded per 1% price move
$204.63M

Downside

High risk

Typical loss in a bad month
33.9%
Volatility (annualized)
63%
Sharpe ratio, 1 year
-1.00
Beta to the S&P 500 (5Y)
1.19

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2026

Gross margin

86.1%+11.4 pts over 5 years

Operating margin

49.9%+11.5 pts over 5 years

Net margin

32.9%+3.2 pts over 5 years

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