Fair Isaac Corporation (FICO) fair value analysis
S&P 500 · Updated 2026-10-19
FICO price how computed
Forward Fair Value verdict
UndervaluedFICO is trading at more than a 25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $667.58
- Sector
- Technology
- 12-month range
- $592.47–$1,844.98
- Market cap
- $16.7B
- From 52-week high
- -63.8%
- Shares outstanding
- 24.9M
- Rank in Technology by discount to fair value
- #162 of 181
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
Fair Isaac Corporation is a software and analytics company that develops credit scoring models, data analytics tools, and decision management software used by financial institutions, lenders, and businesses. The company operates globally, serving customers across North America, Europe, and Asia-Pacific regions.
FICO currently ranks #162 of 181 Technology stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $16.7B
- P/E (trailing)
- 18x
- Revenue (TTM)
- $2.39B
- Net margin
- 34.1%
- EPS (TTM)
- $37.04
- Gross margin
- 87.1%
- Debt / equity
- 0.00
- Revenue growth (3-yr avg)
- 24.3%
- Shares outstanding
- 24.9M
Derived indicators how computed
- Quality grade
- A
- Margin trend
- Expanding
- 52-week position
- The bottom quarter of its range
- DCF cross-check
- Overvalued
Technicals how computed
- RSI (14-day)
- 40 · neutral
- 50-day average
- $937.63
- 200-day average
- $1,166.85
- Moving-average state
- 50-day below 200-day (death cross state); price below both averages
Dividends how computed
- Dividend
- None in the last 12 months (last ex-date 2017-03-01)
Earnings how computed
- Next earnings report
- 2026-11-04
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+1.0%)
2026-03 ▲ beat (+13.9%)
2025-12 ▲ beat (+3.5%)
2025-09 ▲ beat (+11.2%)
2025-06 ▲ beat (+11.3%)
2025-03 ▲ beat (+5.0%)
2024-12 ▼ miss (-4.8%)
2024-09 ▲ beat (+2.3%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 12 buy · 7 hold · 2 sell (21 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $1030
- Target vs last price
- +54.3%
What our data shows for FICO
- Our model validated 17 trailing price-to-earnings windows for FICO, built from quarterly earnings records.
- Shares are trading in the lower third of their 12-month price range of $592.47–$1,844.98.
- The 14-day relative strength index sits at a neutral 40.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for FICO
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent FICO news
TickrTrends' derived news-sentiment signal for FICO is currently leaning positive, computed from recent coverage.
- Equifax: 3 Key Takeaways for Long-Term Investors (flipboard.com, 2026-10-20)
TickrTrends take: FICO's current undervalued designation in TickrTrends suggests the market may not be fully pricing in the value of its core business in credit scoring and analytics. The recent focus on Equifax, a key competitor in the credit reporting space, provides context for understanding competitive dynamics within FICO's addressable market. Valuation-conscious investors tracking this sector should monitor how credit bureau consolidation trends and regulatory developments affect FICO's pricing power and market positioning relative to peers. - FICO Maintains Outperform by RBC Capital -- Price Target Lowered to $1045 (gurufocus.com, 2026-10-16)
TickrTrends take: RBC Capital's maintenance of an Outperform rating despite lowering the price target to $1045 suggests the analyst sees continued fundamental strength in FICO even as near-term valuation becomes less stretched. The analyst action aligns with TickrTrends' current Undervalued designation for the Technology sector company, indicating there may be meaningful upside potential if market sentiment catches up to the company's operational performance. Valuation-focused readers should monitor whether FICO's actual trading price approaches or diverges from the $1045 target, as this level will test whether the current Undervalued status persists. - FICO Maintains by Raymond James -- Price Target Lowered to $1230 (gurufocus.com, 2026-10-13)
TickrTrends take: Raymond James lowered its price target for FICO to $1230, which represents the analyst's view on where the stock should trade based on fundamental analysis. Given TickrTrends' current assessment that FICO is undervalued, this target adjustment provides a concrete reference point for investors to monitor whether the market price converges toward analyst expectations. The technology sector valuation context matters here, as FICO's pricing relative to this $1230 target will help determine if the undervalued thesis holds or shifts with new information.
More FICO news
- FICO Maintains Buy Rating -- Price Target Lowered to $1100 (gurufocus.com, 2026-10-13)
- Fair Isaac Corp (FICO) Shares Surge Nearly 11% Amid Market Rebound (gurufocus.com, 2026-10-12)
What people are saying
Follow the FICO conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — TickrTrends' derived indicators for FICO show a shift in the Relative Strength Index zone from oversold to neutral since last week. The stock currently carries an undervalued valuation verdict according to the analysis.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TickrTrends' derived indicators show FICO moving to a stronger relative valuation position within the Technology sector this week, with the company's sector discount rank improving from #19 to #8. The stock remains classified as undervalued according to current valuation metrics.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — FICO's valuation assessment shifted this week as the DCF cross-check band moved from no previous reading to an overvalued position, contrasting with the current undervalued verdict from TickrTrends' derived indicators. This divergence between the DCF analysis and the primary valuation assessment suggests mixed signals about FICO's pricing relative to its intrinsic value. The Technology sector company's valuation metrics warrant monitoring as these indicators continue to evolve.
- 2026-09-21 — TickrTrends' derived indicators for FICO show that the Relative Strength Index moved from the neutral zone into oversold territory this week, suggesting increased selling pressure in the stock. The current valuation verdict remains Undervalued, indicating that based on available metrics, the stock's price may not fully reflect its underlying value.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is FICO stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), FICO is trading at more than a 25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is FICO's TickrTrends verdict?
FICO's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does FICO compare to other Technology stocks?
FICO ranks #162 of 181 Technology stocks in TickrTrends' coverage by discount to fair value.
Is FICO overbought or oversold?
FICO's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does FICO pay a dividend?
FICO has paid no dividend in the last twelve months; its last ex-dividend date on file was 2017-03-01.
When does FICO report earnings next?
FICO's next earnings report is scheduled for 2026-11-04, per the published earnings calendar.
Does FICO usually beat earnings estimates?
Over its last 8 reported quarters FICO beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about FICO?
Of 21 analysts covering FICO, 12 rate it a buy, 7 a hold and 2 a sell - buy-leaning, with a consensus price target of $1030 (+54.3% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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