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FICO
Fair Isaac Corporation
$1225.15
17.81
(1.48%)
| Exchange: | NYSE |
| Market Cap: | 28.412B |
| Shares Outstanding: | 29.955M |
Delayed data
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Application | |||||
| CEO: | William J. Lansing | |||||
| Full Time Employees: | 3718 | |||||
| Address: |
| |||||
| Website: | https://www.fico.com |
Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,513,557 | 1,717,526 | 1,990,869 |
| Gross Profit | 1,202,504 | 1,369,320 | 1,637,147 |
| EBITDA | 663,808 | 761,490 | 951,194 |
| Operating Income | 642,830 | 733,629 | 924,850 |
| Net Income | 429,375 | 512,811 | 651,946 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 1,575,281 | 1,717,884 | 1,868,133 |
| Total Liabilities | 2,263,271 | 2,680,563 | 3,613,917 |
| Total Stockholders Equity | -687,990 | -962,679 | -1,745,784 |
| Total Debt | 1,901,897 | 2,242,539 | 3,074,878 |
| Cash and Cash Equivalents | 136,778 | 150,667 | 134,136 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 468,915 | 632,964 | 778,807 |
| Capital Expenditure | -4,237 | -25,551 | -8,922 |
| Free Cash Flow | 464,678 | 607,413 | 769,885 |
| Net Income | 429,375 | 512,811 | 651,946 |
| Net Change in Cash | 3,576 | 13,889 | -16,531 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,661,029.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,975,266.221 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,800,268.893 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,593,377.260 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,730,141.308 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,653,977.828 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 2,013,514.300 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,240,780.435 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 2,114,216.615 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,004,245.931 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,090,443.182 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,042,440.197 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 86.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 91.230 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 81.980 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 7 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Revenue Growth: FICO reported Q3 2025 revenues of $536 million, reflecting a 20% year-over-year increase as highlighted in the latest earnings call transcript. This growth outpaces industry averages, driven by strong demand for its analytics and decision-making software solutions in the financial services sector.
- High Profitability Metrics: Key metrics such as gross profit margin (TTM) and net profit margin (TTM) indicate strong operational efficiency, positioning FICO favorably within the software and technology industry. This is supported by consistent net income growth in recent income statements.
- Strong Free Cash Flow: Cash flow statements show sustained free cash flow generation, with a notable free cash flow yield (TTM), enabling reinvestment in innovation and debt management. This financial stability supports long-term growth initiatives.
- Market Leadership: As per the company profile and earnings call summary, FICO maintains a dominant position in credit scoring and risk management solutions, bolstered by a large market cap and a focused product portfolio in high-demand segments.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FICO intrinsic value between $356.38 – $1,226.46 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about FICO valuation
Is Fair Isaac Corporation (FICO) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Fair Isaac Corporation (FICO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FICO a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FICO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FICO’s P/E ratio?
You can see FICO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FICO?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FICO a good long-term investment?
Whether FICO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FICO
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1.48
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