Fair Isaac (FICO) stock
Information Technology · Application Software
Fair Isaac (FICO) is an Application Software company in the Information Technology sector, headquartered in Bozeman, Montana. As of October 23, 2026, FICO closed at $815.31, a market capitalization of $17.61 billion, the 426th largest company in the S&P 500. Over the last twelve months it generated $2.39 billion in revenue (+26% year over year) and $960.88 million in free cash flow. The stock trades at 23.6x trailing earnings and 16.6x forward earnings.
- 1-year total return: -49.5% (dividends reinvested)
- 5-year return: +14.7% a year
- 52-week range: $586.05 – $1,858.91
- Gross margin 85.1%, operating margin 53.8%
- FI Handbook report card: B+ across 9 metrics
- 69th largest of 75 Information Technology stocks in the S&P 500
FICO price chart
1Y price change: -49.5% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| FICO | -7.3% | -51.8% | -49.5% | -4.2% | +14.7% | +20.8% | +18.0% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 1987.
FICO key statistics
- Market cap
- $17.6B
- #426 in S&P 500
- P/E (TTM)
- 23.6x
- Forward P/E
- 16.6x
- EPS (TTM)
- $34.54
- Revenue (TTM)
- $2.4B
- +26%
- Free cash flow
- $960.9M
- Gross margin
- 85.1%
- Operating margin
- 53.8%
- Return on equity
- —
- Dividend yield
- None
- 52-week range
- $586.05 – $1,859
- Beta
- 1.34
- Price / sales
- 7.4x
- EV / EBITDA
- 18.2x
- Debt / equity
- —
- Employees
- 3,876
FICO report card
B+Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth25.7%A
- Gross margin85.1%A
- Operating margin53.8%A
- FCF margin40.1%A
- Return on equity——
- Net debt / EBITDA4.2xF
- Forward P/E16.6xB
- PEG ratio0.7xA
- Shareholder yield8.0%A
- Share count change / yr-3.9%A
Fair Isaac financials
Revenue went from $881.4M in fiscal 2016 to $2.0B in fiscal 2025, growing 9.5% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $881.4M | $935.0M | $1.0B | $1.2B | $1.3B | $1.3B | $1.4B | $1.5B | $1.7B | $2.0B |
| Gross profit | $616.2M | $647.4M | $687.2M | $823.2M | $933.4M | $984.1M | $1.1B | $1.2B | $1.4B | $1.6B |
| Operating income | $169.6M | $182.2M | $175.4M | $253.5M | $296.0M | $505.5M | $542.4M | $642.8M | $733.6M | $924.9M |
| Net income | $109.4M | $133.4M | $126.5M | $192.1M | $236.4M | $392.1M | $373.5M | $429.4M | $512.8M | $651.9M |
| EPS (diluted) | $3.39 | $4.14 | $4.06 | $6.34 | $7.90 | $13.40 | $14.18 | $16.93 | $20.45 | $26.54 |
| Free cash flow | — | $205.8M | $191.8M | $236.4M | $342.9M | $416.2M | $503.4M | $464.7M | $624.1M | $769.9M |
| Buybacks | $138.4M | $187.6M | $342.6M | $228.9M | $235.2M | $874.2M | $1.1B | $405.5M | $821.7M | $1.4B |
| Dividends paid | $2.5M | $1.2M | $0 | $0 | — | — | — | — | — | — |
| Diluted shares | 32.3M | 32.2M | 31.2M | 30.3M | 29.9M | 29.3M | 26.3M | 25.4M | 25.1M | 24.6M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into FICO?
A reverse DCF asks what growth the current price requires. With an enterprise value of $23.0B and $960.9M of trailing free cash flow, Fair Isaac needs to grow free cash flow about 15.0% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return. For context, free cash flow grew 17.6% a year over the last five years.
P/E ratio history
Current 30.7x vs. median 38.4x (10th–90th percentile 17.0x–74.6x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
FICO analyst price targets
19 analysts' average 12-month target is $1,007 (+24% vs. $815.31). Targets range from $490.00 to $1,675. 52% rate it a buy.
FICO earnings
Next report: November 4, 2026. Fair Isaac has beaten EPS estimates 6 quarters in a row. Last quarter's revenue was $674.2M (+26% year over year).
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Jul 29, 2026 | $11.78 | $12.18 | +3.4% |
| Apr 28, 2026 | $10.97 | $12.50 | +13.9% |
| Jan 28, 2026 | $7.08 | $7.33 | +3.5% |
| Nov 5, 2025 | $7.36 | $7.74 | +5.2% |
| Jul 30, 2025 | $7.70 | $8.57 | +11.3% |
| Apr 29, 2025 | $7.44 | $7.81 | +4.9% |
| Feb 4, 2025 | $6.08 | $5.79 | -4.8% |
| Nov 6, 2024 | $6.39 | $6.54 | +2.4% |
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FICO news
- FICO Holds Mortgage Score Pricing at $10 for Lenders Enrolled in Preferred Program · Oct 23, 2026
- What to Expect From Fair Isaac’s Next Quarterly Earnings Report · Oct 23, 2026
- Brown Advisory Exits Fair Isaac Corporation (FICO) Amid Fundamental and Regulatory Concerns · Oct 22, 2026
- How Much Of Fair Isaac’s Growth Comes From Its Mortgage Score Price? · Oct 21, 2026
- Fair Isaac Corporation Announces Date for Reporting of Fourth Quarter Fiscal 2026 Financial Results · Oct 21, 2026
FICO stock FAQ
What is FICO's market cap?
Fair Isaac's market capitalization is $17.61 billion as of October 23, 2026, ranking 426th in the S&P 500.
What is FICO's P/E ratio?
FICO trades at a trailing price-to-earnings ratio of 23.6x and a forward P/E of 16.6x. Its median P/E over the period we track is 38.4x.
Does FICO pay a dividend?
No. Fair Isaac does not currently pay a regular cash dividend.
How much has FICO stock returned?
Including reinvested dividends, FICO returned -49.5% over one year, +14.7% a year over five years, +20.8% a year over ten years through October 23, 2026.
Is FICO stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Fair Isaac must grow free cash flow about 15% a year for the next decade. Its free cash flow grew 18% a year over the last five years. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the FICO price target?
19 analysts cover FICO with an average 12-month price target of $1,007.10, +24% from the current price. 52% of them rate it a buy.
When does FICO report earnings?
Fair Isaac is expected to report earnings on November 4, 2026. It has beaten EPS estimates 6 quarters in a row.
How many employees does Fair Isaac have?
Fair Isaac has about 3,876 full-time employees, or $617,537 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology