Stock AnalizFair Isaac Corp. FICO
Business Services · data as of November 13, 2026
Fair Isaac Corp. (FICO) is a consumer discretionary company listed in the US with a market value of about $15.4B. In fiscal year 2026 it had revenue of $2.5B and net income of $835M, a net margin of 32.9%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is value (5/5); the weakest is shareholder returns (1/5).
Key numbers: a P/E of 19.8, a price to free cash flow of 14.4, 5-year revenue growth of 14% a year, a 5-year average ROIC of 50%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 10% above the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
Checks not passed
- ROE above 15%
- More cash than debt, or low debt to equity
- Debt below 3 years of free cash flow
- Liabilities below 60% of assets
- Pays a dividend
- 20% to 100% of free cash flow returned to shareholders
- Dividend 3 years in a row
- Stock-based pay below 5% of revenue
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.5B | $2.0B | $1.7B | $1.5B | $1.4B | $1.3B | $1.3B | $1.2B | $1.0B | $932M |
| Net income | $835M | $652M | $513M | $429M | $374M | $392M | $236M | $192M | $126M | $133M |
| Free cash flow | $1.1B | $770M | $624M | $465M | $503M | $416M | $343M | $236M | $192M | $206M |
| EPS (diluted) | $36.32 | $26.54 | $20.45 | $16.93 | $14.18 | $13.40 | $7.90 | $6.34 | $4.06 | $4.14 |
| Net margin | 32.9% | 32.8% | 29.9% | 28.4% | 27.1% | 29.8% | 18.3% | 16.6% | 12.2% | 14.3% |
| ROIC | 68.0% | 56.1% | 45.8% | 41.1% | 38.7% | 34.2% | 21.6% | 20.2% | 13.4% | 14.5% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 19 analysts is $821.37, 14% above the current price; targets range from $481.00 to $1230.97; the consensus rating is “Buy”; expected EPS is $44.75 for the fiscal year ending September 30, 2027.
Frequently asked questions
What is Fair Isaac’s P/E ratio?
About 19.8, based on the last twelve months of diluted earnings per share (forward P/E about 15.3).
Is Fair Isaac stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 10% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Fair Isaac pay a dividend?
Not currently.
Is Fair Isaac a good stock to buy?
We do not give buy or sell advice. Fair Isaac scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.