Fair Isaac Corporation (FICO) Stock Price & Analysis

Fair Isaac Corporation (FICO) closed at USD 823.27 on Thursday, October 22, 2026, up 3.53% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 795.21; the Oct 22, 2026 session ranged USD 802.96–828.95 on volume of 414,933 shares. Market capitalization is $17.78B, with a 52-week range of USD 586.05–1,858.91 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:15 UTC.

Also available as compact Markdown for AI agents: nexqual.com/FICO.md

Key facts (FICO)

• Last four reported quarters (through Jun 30, 2026): revenue $2.39B, net income $815M (34.1% margin), free cash flow $996M (SEC filings).
• Valuation: P/E 21.8x (avg 67.6x at the last 3 fiscal year-ends), EV/EBITDA 18.5x, net debt $5.33B.
• 8 of 80 tracked superinvestors hold FICO (13F, Q2 2026): 1 new, 0 added, 6 reduced, 1 unchanged.
• Insider open-market sales, last ~7 months: 1 Form 4 filings, $1.4M; 0 not under a Rule 10b5-1 plan ($0K); 1 by opportunistic insiders (0 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 2.38 on a 1–5 scale) (21 analysts), mean target USD 1,007.1 (range 490–1,675).
• Total return with dividends: 1Y -49.0% vs S&P 500 +14.9%; 5Y +100.8% vs S&P 500 +80.3%.
• Next earnings: 2026-11-04, EPS estimate USD 10.86, revenue estimate $657M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (FICO)

Fiscal years end Sep. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (FICO)

P/E 21.8x · P/S 7.4x · EV/EBITDA 18.5x · EV/Sales 9.7x · P/FCF 17.9x · FCF yield 5.60% · Earnings yield 4.58% · Buyback yield (TTM) 20.21% · Net debt $5.33B · EV $23.1B

P/E at fiscal year-ends: Sep 2025 56.4x, Sep 2024 95.0x, Sep 2023 51.3x.

Superinvestors (SEC 13F-HR, Q2 2026) (FICO)

8 of 80 tracked investors hold FICO. Each row is the investor's latest 13F; change is vs their prior-quarter share count.

Insider sales (SEC Form 4, open-market, last ~7 months) (FICO)

1 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (FICO)

Consensus Buy (mean 2.38 on a 1–5 scale), 21 analysts; mean target USD 1,007.1 (low 490, high 1,675).

Rating changes, last 120 days:

Total return (dividends reinvested) (FICO)

FICO revenue by business segment (quarter ended Jun 30, 2026)

FICO revenue by product line (quarter ended Jun 30, 2026)

FICO revenue by region (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

FICO suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Nov 7, 2025.

Companies that name FICO in their SEC reports

FICO customer concentration

In the period ended Jun 30, 2026, 3 direct customers each accounted for at least 10% (10%, 10%, 10%) of revenue, per the company's 10-Q filed Jul 29, 2026. The company does not name them.

FICO analyst estimates and revisions

FICO options: expected move

Options price a move of about ±11.5% (±$94.60) by Nov 6, 2026, which includes earnings on Nov 4, 2026; the earnings reaction alone is priced at about ±6.1%. Over the last 8 reports the stock moved ±5.1% on average.

30-day implied volatility 63.5% vs 109.8% realized over the last 30 trading days. Put/call ratio (volume) 0.54. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 23, 2026 at 09:15 UTC)

Technical Analysis (FICO)

Nexqual's technical model rates FICO "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 09:15 UTC.

Analyst Ratings (FICO)

Wall Street analysts rate FICO "Buy" based on 21 analysts, with a mean price target of USD 1,007.1 (range USD 490–1,675), per Nexqual as of October 23, 2026 at 09:15 UTC.

Earnings (FICO)

Recent Earnings History

Source: Nexqual, October 23, 2026 at 09:15 UTC.

Financials & Fundamentals (FICO)

Source: Nexqual, October 23, 2026 at 09:15 UTC.

Financial Health Score (FICO)

Nexqual rates Fair Isaac Corporation's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:15 UTC.

Ownership (FICO)

Source: Nexqual, October 23, 2026 at 09:15 UTC.

Leadership (FICO)

Fair Isaac Corporation is led by William J. Lansing, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:15 UTC.

Major Backers & Investors (FICO)

Notable institutional backers of Fair Isaac Corporation include Capital Group, Capital International Investors, Amcap Fund, according to Nexqual as of October 23, 2026 at 09:15 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 23, 2026 at 09:15 UTC.

From Fair Isaac Corporation's Latest SEC 10-K Filing (filed 2025-11-07)

Key Strengths & Strategy (as disclosed to the SEC)

• We have developed proprietary data ingestion and management tools that are able to assemble and integrate disparate data sources into a unified view of the customer, household, or other subject through the application of persistent keying technology.
• Our models are continually improved using a proprietary, global data set of transaction data contributed by more than 10,000 institutions that participate in the FICO® Falcon® Intelligence Network.
• We believe the principal competitive factors affecting our markets include technical performance; access to unique proprietary analytical models and data; product attributes like adaptability, scalability, interoperability, functionality, and ease-of-use; on-premises and SaaS product availability; product price; customer service and support; the effectiveness of sales and marketing efforts; existing market penetration; and reputation.
• Our proprietary analytic algorithms are applied to credit data collected and maintained by the three U.S. national consumer reporting agencies — Experian, TransUnion and Equifax — to produce standard scores that are used across the credit lifecycle, including in origination, account management and consumer marketing.

Legal & Regulatory Risks (Item 1A, quoted)

• Increased regulatory focus on U.S. residential mortgage closing costs may affect our ability to implement price changes for FICO® Scores used in mortgage originations and thus limit the revenues and profitability of the FICO Score.
• Laws and regulations in the U.S. and abroad that apply to us and/or to our customers may expose us to liability, cause us to incur significant expense, affect our ability to compete in certain markets, limit the profitability of or demand for our products, or render our products obsolete.
• The costs and other burdens of compliance with such laws and regulations, along with the potential for increased regulatory actions, could negatively impact the use and adoption of our solutions and reduce overall demand for them.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:15 UTC. This page is informational and not investment advice.

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