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FICO
Fair Isaac Corporation
$1089.76
27.77
(2.61%)
| Exchange: | NYSE |
| Market Cap: | 25.851B |
| Shares Outstanding: | 29.955M |
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 develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered 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) | 3,502,740.522 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,905,904.864 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,695,194.535 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,524,485.589 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,699,953.405 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,608,246.681 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,762,964.827 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,031,177.344 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,890,998.378 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 960,826.095 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,071,416.879 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,013,617.570 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 76.990 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 82.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 71.780 | 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 freeForward P/E Ratios
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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.
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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Daily snapshot
2.61
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Daily snapshotTrading Metrics:
| Open: | 1050.63 | Previous Close: | 1061.99 | |
| Day Low: | 1037.43 | Day High: | 1100.93 | |
| Year Low: | 969.32 | Year High: | 2217.6 | |
| Price Avg 50: | 1300.87 | Price Avg 200: | 1543.7 | |
| Volume: | 166397 | Average Volume: | 378239 |
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Login — it's freeFICO full analysis
Welcome to MARKETSNAP’s SWOT analysis for Fair Isaac Corporation, better known as FICO. If you’re a long-term investor looking to build wealth, you’ve likely come across this name in the financial tech space. Today, we’re diving deep into what makes FICO tick, breaking down its strengths, weaknesses, opportunities, and threats, while keeping an eye on both short-term trends and long-term potential. Let’s unpack this together and see if FICO deserves a spot in your portfolio. Quick Overview of FICO For…
