pretickt

Is FICO a good stock to buy?

Fair Isaac Corporation · end-of-day data as of Nov 13, 2026

Fair Isaac
FICO · $15.4B
$720.19+0.4%
Nov 13, 2026 · close
$600$800$1000$1200SepOctNov9:3016:003 months -33.2%Nov 13 · close
▲ 7
  • PT$975.69 +35.5%
  • ConsensusBuy · 22
  • P/E vs own-46.1%
  • P/E vs sector-32.6%
  • FCF yield+6.9%
  • Insiders$7.37K
  • MACD6.06
Neutral
  • Earnings in75d
  • P/E19.8x
  • RSI44
  • Resistance+28.8%
  • Off 52w high-61.3%
  • Volume0.6x
  • Bollingerlower half
  • News0.00
  • Sector→ -15.8%
  • 52w range$586–$1,859
  • ATR+5.5%
  • Off ATH-70.0%
  • MA20×50↑ in ~8d
▼ 2
  • Trendbearish
  • MAs0 of 4

Updates with the 15-min delayed price. Not a forecast or investment advice.

Is Fair Isaac a good stock to buy?

Fair Isaac is strong on 4 of the 5 questions about the business. The price is low: 19.8 times its earnings, below its 3-year median of 65.3 (Nov 13, 2026). pretickt does not say whether to buy or sell.

  1. Demand growing
  2. Advantage hard to copy
  3. Economics very profitable
  4. Execution delivers
  5. Fragility some risks
  6. Price below its usual
DemandDo people want more of what it sells?growing

FICO sales growth revenue growth

+19%a year, for the last 3 years

Fair Isaac's sales grew 19% a year for 3 years, to $2.53B in fiscal 2026.

FICO analysts' forecast revenue estimates

+2%the sales they expect next fiscal year, on the last

Analysts expect Fair Isaac's sales to grow 2% to $2.59B in fiscal 2027 (14 analysts).

FICO competitors

pretickt analysis+27%its sales in 12 months, on a year before

Fair Isaac's sales grew 27% in the 12 months to Sep 30, 2026, faster than Elastic (+16%), Tyler Technologies (+8%) and PTC (0%), slower than Nebius (+461%).

FICO sales by business revenue by segment

59%of its sales from Scores

Scores brought Fair Isaac 59% of its sales in fiscal 2025; Applications 41%.

Advantage moatIs it hard to copy?hard to copy

FICO return on capital ROIC

pretickt analysis107%earned before tax on the money invested in it

Fair Isaac earned 107% before tax on the capital invested in it in the 12 months to Sep 30, 2026; Tyler Technologies 11%, Elastic -3% and Nebius -6%.

FICO margin on each sale gross margin

86%left after making the product

Fair Isaac kept 86% of each sale after making the product in the 12 months to Sep 30, 2026; its competitors' median is 75%.

EconomicsDoes it make good money?very profitable

FICO margin after costs profit margin

50%of sales left after running the business

Fair Isaac's operating margin was 50% in the 12 months to Sep 30, 2026, against 42% in fiscal 2023.

FICO cash generated free cash flow

$1.07Bcash left after investing, last 12 months

Fair Isaac generated $1.07B of free cash flow in the 12 months to Sep 30, 2026, more than its reported profit.

FICO profit per share

+37%in its last fiscal year

Fair Isaac's earnings per share grew 37% in fiscal 2026, to $36.32.

ExecutionDoes it deliver what it promises?delivers

FICO earnings vs estimates

7 of 8quarters above the analysts' estimate

Fair Isaac beat the analysts' profit estimate in 7 of its last 8 quarters, the latest on Nov 4, 2026.

FICO insider selling

-$6.45Msold, net, by its executives in 12 months

Fair Isaac's executives and directors sold a net $6.45M of shares in the 12 months to Nov 13, 2026 ($6.46M sold, $7.37K bought).

FICO number of employees

+6%more people in a year

Fair Isaac had 3,811 employees at the end of fiscal 2025, 6% more than a year before.

FICO CEO pay

$36.05Mfor fiscal 2025, 95% of it in stock and options

Fair Isaac paid its CEO $36.05M for fiscal 2025, 95% of it in stock and options.

Fragility risksCould something break it?some risks

FICO financial health Altman Z-score

8.4Altman Z-score, safe above 3

Fair Isaac's Altman Z-score is 8.4 (Nov 13, 2026), above 3, where the safe zone starts.

FICO quality checks Piotroski score

8 of 9checks passed

Fair Isaac passes 8 of the 9 Piotroski checks in the 12 months to Sep 30, 2026; it misses on long-term debt.

FICO biggest customers

60%of sales from its 3 biggest customers

Experian, TransUnion and Equifax made 60% of Fair Isaac's sales in fiscal 2026.

FICO in past recessions

pretickt analysis-15%its sales in the worst one

Fair Isaac's sales fell in 1 of the last 2 US recessions, by as much as 15% in fiscal 2009.

Price valuationIs the price reasonable?below its usual

FICO price vs profit P/E ratio

19.8×a year's earnings

Fair Isaac's P/E ratio is 19.8 (Nov 13, 2026), below its 3-year median of 65.3.

FICO price vs competitors

pretickt analysis19.8×a year's earnings, against its competitors

Investors pay 19.8 times Fair Isaac's earnings (Nov 13, 2026), less than for Tyler Technologies (53.4), Elastic (24.7) or PTC (21.9).

FICO analysts' target price target

+35%to their average target

Analysts' average price target for Fair Isaac is $976, 35% above the Nov 13, 2026 close of $720.19.

FICO analyst ratings, 90 days

pretickt analysis
  • B of A Securitiesdowngrade
  • Wells Fargodowngrade
  • RBC Capitaldowngrade
0 up, 3 downratings raised and cut

In the 90 days to Nov 13, 2026, B of A Securities, Wells Fargo and RBC Capital downgraded Fair Isaac.

FICO growth priced in fair value

pretickt analysis+2%a year, for ten years, to be worth the price

At $720.19 a share, Fair Isaac's free cash flow must grow about 2% a year for ten years to be worth the price (Nov 13, 2026).

What is Fair Isaac's P/E ratio?

Fair Isaac's P/E ratio is 19.8 (Nov 13, 2026), below its 3-year median of 65.3. Investors pay 19.8 times Fair Isaac's earnings (Nov 13, 2026), less than for Tyler Technologies (53.4), Elastic (24.7) or PTC (21.9).

Who are Fair Isaac's biggest competitors?

pretickt compares Fair Isaac with Tyler Technologies, PTC, Elastic and Nebius. Fair Isaac's sales grew 27% in the 12 months to Sep 30, 2026, faster than Elastic (+16%), Tyler Technologies (+8%) and PTC (0%), slower than Nebius (+461%).

Is Fair Isaac profitable?

Fair Isaac's operating margin was 50% in the 12 months to Sep 30, 2026, against 42% in fiscal 2023. Fair Isaac generated $1.07B of free cash flow in the 12 months to Sep 30, 2026, more than its reported profit.

Are insiders selling Fair Isaac stock?

Fair Isaac's executives and directors sold a net $6.45M of shares in the 12 months to Nov 13, 2026 ($6.46M sold, $7.37K bought).

How does Fair Isaac make money?

Scores brought Fair Isaac 59% of its sales in fiscal 2025; Applications 41%.

How many employees does Fair Isaac have?

Fair Isaac had 3,811 employees at the end of fiscal 2025, 6% more than a year before.

Who are Fair Isaac's biggest customers?

Experian, TransUnion and Equifax made 60% of Fair Isaac's sales in fiscal 2026.

From the companies' statements (FMP), their filings read by pretickt, the analysts and the insiders, as of Nov 13, 2026. Each card says what a fact means for its question, never what to do with the stock: for information only, not investment advice.