Fair Isaac (FICO)
NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-10-29
$709.18+1.58%
Close 2026-10-29 · 1-day change
NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-10-29
Research Workspace
Put FICO beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Application Software is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue growth is accelerating — up about 24% over the past year.
View GrowthRanks among the strongest in its industry on quality — around the top 7%.
View QualityManagement screens strong on capital allocation, earnings delivery, margins.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationThis stock is highly volatile — it swings about 2% on a typical day and fell roughly 68% in its worst 12-month stretch.
View RiskFICO’s scoring business is a strong performer, but mortgage competition threatens its pricing power. Revenue growth slowed to 26% in third-quarter fiscal 2026 from 39% in Q2. Third-quarter fiscal 2026 earnings beat consensus by 17.5%. FICO trades at 19× P/E versus a 31× peer median and 33× its historical multiple. The desk says the price reflects less growth than its forecast. VantageScore’s growing lender traction and regulatory pressure threaten FICO’s mortgage scoring position. Our model puts the next-quarter miss probability at 20%. Peer multiples imply a price about 52% above where it trades; our read remains intact. This read is provisional.
Trailing returns as of 2026-10-29. FICO is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 24 analysts currently covering FICO (as of Oct 2026).
Based on 13 Wall Street analysts offering 12-month price targets for FICO in the last 4 months.
Continue this research
Compare FICO with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| FICO Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 10 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Application Software — fair value, gap to price, and forward P/E.
Our valuation methods disagree too much on this name right now. Rather than print a number we don't believe, we're holding it back until they converge.
Compare the value case
Put FICO next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Achieve stronger growth than FY25
Reported 35% EPS growth and credit outperformance support stronger growth than FY25.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-29. EPS is implied from price ÷ P/E. Not investment advice.
Current $709.18
The last 12 months of price, then the range of analyst 12-month targets from today’s $709.18.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Pulte's pledge signals continued pressure on FICO's mortgage-scoring position, though no concrete action is specified.
Threatens: Achieve stronger growth than FY25
Workforce cuts may hinder growth objectives.
Significant stock drop may affect investor confidence.
Downgrades from analysts could impact stock performance.
Regulatory issues could impact revenue growth guidance.
Increased competition may hinder growth objectives.
BofA downgrade due to regulatory changes impacting FICO.
