Stocks · Technology · Software - Application
Fair Isaac Corporation FICO
$661.25 -0.08% Close, Oct 2, 2026 · NYSE · Market cap $14.28B
High qualityWeak trendInexpensive vs sectorHigh risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 19.1× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- The stock is 65% below its highest close of the past year.
- Over the past year the stock returned -56.3%, behind the S&P 500 by 71.4 percentage points.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 27%
- EPS growth (TTM, YoY)Top 36%
- FCF growth (TTM, YoY)Top 38%
- Revenue growth, 3-year CAGRTop 33%
- Revenue growth accelerationTop 39%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 2%
- Gross marginTop 4%
- Operating marginTop 1%
- Cash conversion (OCF / net income)Bottom 27%
- Accruals (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Bottom 9%
- Interest coverTop 38%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 15%
- Free-cash-flow yieldTop 23%
- EBITDA / enterprise valueTop 27%
- Sales / enterprise valueBottom 28%
- P/E vs own 5-year history (lower is better)Top 5%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 23%
- 6-month returnBottom 4%
- 1-year return vs S&P 500Bottom 7%
- Distance from 52-week highBottom 7%
- Trend checklist (0–4)Bottom 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 45%
- Consecutive EPS beatsTop 32%
- Share of analysts rating BuyTop 33%
- Upside to consensus price targetTop 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 12%
- Maximum drawdown, 3 yearsBottom 24%
- Beta vs S&P 500 (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Bottom 9%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 22.6% | 24.1% | ↑ |
| EPS growth (YoY) | 36.0% | 35.4% | ↓ |
| Gross margin | 81.7% | 85.1% | ↑ |
| Operating margin | 45.9% | 51.7% | ↑ |
| FCF margin | 38.8% | 41.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 24.1% | 22.6% | ↑ | Top 27% |
| EPS growth (TTM, YoY) | 35.4% | 36.0% | ↓ | Top 36% |
| Gross margin | 85.1% | 81.7% | ↑ | Top 4% |
| Operating margin | 51.7% | 45.9% | ↑ | Top 1% |
| Net margin | 34.1% | 32.8% | ↑ | — |
| Free-cash-flow margin | 41.6% | 38.8% | ↑ | — |
| Return on invested capital | 59.4% | — | Top 2% | |
| Revenue growth, 3-year CAGR | 13.1% | — | Top 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.23×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -9.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 7.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +6.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.22×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 6.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 24.98%
- Shareholder yield
- 24.98%
- Share count change, 1 year
- -7.6%
- Share count change, 3-year CAGR
- -3.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.9%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $1,239.00
- Target vs current price
- +87.4%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 75%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +3.6% | +2.8% | -21.6% | -14.9% | — |
| Apr 28, 2026 | +14.8% | -0.3% | +4.6% | +24.3% | +19.0% |
| Jan 28, 2026 | +3.5% | -1.3% | -14.0% | -15.8% | -36.6% |
| Nov 5, 2025 | +5.7% | +1.4% | +11.9% | +9.7% | -9.7% |
| Jul 30, 2025 | +11.2% | +1.5% | -10.8% | -5.6% | +4.6% |
| Apr 29, 2025 | +4.4% | +0.9% | +7.1% | -22.6% | -21.0% |
| Feb 4, 2025 | -4.9% | -1.0% | +1.6% | +2.4% | +8.8% |
| Nov 6, 2024 | +2.3% | +4.0% | +16.8% | +18.2% | -10.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $12.18 | $11.76 | +3.6% | $674.2M |
| Apr 28, 2026 | $12.50 | $10.89 | +14.8% | $691.7M |
| Jan 28, 2026 | $7.33 | $7.08 | +3.5% | $512.0M |
| Nov 5, 2025 | $7.74 | $7.32 | +5.7% | $515.8M |
| Jul 30, 2025 | $8.57 | $7.71 | +11.2% | $536.4M |
| Apr 29, 2025 | $7.81 | $7.48 | +4.4% | $498.7M |
| Feb 4, 2025 | $5.79 | $6.09 | -4.9% | $440.0M |
| Nov 6, 2024 | $6.54 | $6.39 | +2.3% | $453.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 19.1× | 49.9× | 0th | Top 15% |
| P/E (forward) | 15.4× | — | — | — |
| EV / EBITDA | 15.5× | — | — | Top 27% |
| EV / Sales | 8.20× | — | — | Bottom 28% |
| Free-cash-flow yield | 6.97% | — | — | Top 23% |
| Earnings yield | 5.24% | — | — | Top 15% |
P/E over the past five years
Range 24.7× – 102.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -56.3%
- Earnings per share growth (TTM)
- +35.4%
- Change in P/E multiple
- -33.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -12.2%
- 200-day average slope (20 days)
- -6.9%
- Distance from 50-day average
- -35.7%
- Distance from 200-day average
- -45.7%
- RSI (14)
- 26.0
- Relative volume
- 1.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 95.6%
- Volatility vs own 5-year history
- 100th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.27
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -64.8%
- Maximum drawdown, 3 years
- -75.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 26, 2024 | Sep 30, 2026 | -75.1% | 460 days | Not yet recovered |
| Jul 23, 2021 | May 9, 2022 | -38.2% | 200 days | 129 days (Nov 10, 2022) |
| Dec 17, 2020 | Mar 8, 2021 | -18.5% | 53 days | 27 days (Apr 15, 2021) |
| Mar 7, 2024 | Apr 26, 2024 | -16.8% | 35 days | 12 days (May 14, 2024) |
| Apr 26, 2021 | May 12, 2021 | -14.4% | 12 days | 49 days (Jul 22, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $14.28B
- P/E (TTM)
- 19.1
- EPS, diluted (TTM)
- $34.62
- Revenue (TTM)
- $2.39B
- 52-week range
- $586.05 – $1,998.01
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.32B | $1.38B | $1.51B | $1.72B | $1.99B |
| Gross profit | $984.1M | $1.08B | $1.20B | $1.37B | $1.64B |
| Operating income | $505.5M | $542.4M | $642.8M | $733.6M | $924.9M |
| Net income | $392.1M | $373.5M | $429.4M | $512.8M | $651.9M |
| EPS (diluted) | $13.40 | $14.18 | $16.93 | $20.45 | $26.54 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $453.8M | $440.0M | $498.7M | $536.4M | $515.8M | $512.0M | $691.7M | $674.2M |
| Net income | $135.7M | $152.5M | $162.6M | $181.8M | $155.0M | $158.4M | $264.5M | $237.2M |
| EPS (diluted) | $5.44 | $6.14 | $6.59 | $7.40 | $6.42 | $6.61 | $11.14 | $10.45 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $423.8M | $509.4M | $468.9M | $633.0M | $778.8M |
| Capital expenditure | -$7.6M | -$6.0M | -$4.2M | -$25.6M | -$8.9M |
| Free cash flow | $416.2M | $503.4M | $464.7M | $607.4M | $769.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$853.3M | -$1.09B | -$383.3M | -$796.7M | -$1.38B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $248.4M
- Total assets
- $2.04B
- Total liabilities
- $6.13B
- Total debt
- $5.60B
- Net debt
- $5.35B
- Shareholders’ equity
- -$4.10B
As of Jun 30, 2026 (filed Jul 29, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Mar 1, 2017 | $0.02 | Mar 17, 2017 |
| Nov 30, 2016 | $0.02 | Dec 16, 2016 |
| Sep 12, 2016 | $0.02 | Sep 28, 2016 |
| May 23, 2016 | $0.02 | Jun 8, 2016 |
| Mar 7, 2016 | $0.02 | Mar 18, 2016 |
| Nov 30, 2015 | $0.02 | Dec 16, 2015 |
| Sep 14, 2015 | $0.02 | Sep 30, 2015 |
| May 22, 2015 | $0.02 | Jun 10, 2015 |
Short interest
- Shares sold short
- 1,939,188
- Days to cover
- 4.03
- Change vs previous report
- +8.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 11, 2004
- 3-for-2
- Jun 6, 2002
- 3-for-2
- Jun 5, 2001
- 3-for-2
- Jun 27, 1995
- 2-for-1