Fair Isaac Corporation (FICO)
NYSE · Information Technology · market cap 29.00B
Share price
$966.30
At the last nightly close
Intrinsic value
$627.14
Range $489.95 – $575.85 before any credit for growth. The figure above credits what the franchise record earns, which is why it sits outside that range.
Margin of safety
-35.1%
($627.14 − $966.30) ÷ $966.30
EV / EBIT
146.4
On the median operating profit of 15 fiscal years through 2025.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-09-05.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 1.99B | 935.8M | 651.9M | 26.90 | 739.4M |
| 2024-FY | 1.72B | 733.6M | 512.8M | 20.78 | 607.4M |
| 2023-FY | 1.51B | 640.9M | 429.4M | 17.18 | 464.7M |
| 2022-FY | 1.38B | 542.4M | 373.5M | 14.34 | 503.4M |
| 2021-FY | 1.32B | 505.5M | 392.1M | 13.40 | 416.2M |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- FICO Stock Price, News & Analysis | Fair Isaacstocktitan.net
- Earnings call transcript: FICO beats Q3 2026 EPS but stock sinks after hours By Investing.cominvesting.com
- Fair Isaac (FICO) Earnings: Latest Report, Earnings Call & Financialspublic.com
- Perplexityperplexity.ai
- Fair Isaac Rallies as Investors Reassess Strong Earnings and Capital Returns | Quiver Quantitativequiverquant.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on FICO.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.