Fair Isaac (FICO)
NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-07-07
$1300.59+1.09%
Close 2026-07-07 · 1-day change
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Track FICO free→Intact: The reason to own it still holds.
FICO grows revenue about 24% a year, backed by new data products like UltraFICO. Profit per share is rising, with guidance for $33.47 EPS next quarter. The company buys back stock, returning capital to shareholders. Its strong revenue growth and buyback program support durable earnings.
Growth could slow if AI adoption lags or competition erodes pricing power. The company’s profit margins may face pressure from rising costs. Capital allocation risks exist due to new financial obligations.
The market prices in about 24% revenue growth and values shares roughly 13% below our fair value near $1486. Our fair value aligns with Street median targets, reflecting justified expectations for growth and profitability.
Breaks if: No meaningful buybacks announced or executed within 12 months
FICO has announced a new share buyback program to acquire up to $2.0 billion of its outstanding common stock.
Standing thesis, reviewed periodically — not a price target or advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Breaks if: Significant loss of pricing power or data product adoption stalls
Breaks if: EPS falls below $25.05 in FY26
Breaks if: Full year revenue falls below $1.99 billion in FY26
FICO aims to increase its full year revenue guidance, reflecting stronger growth expectations.
Stated in 4 of last 4 quarters. Revenue increased from $498.7M in 2025-Q2 to $691.7M in 2026-Q2, showing a 39% growth. The company has consistently raised its guidance, indicating delivering on its growth expectations.
“CEO: 'We are pleased to announce that we are raising our full year guidance.'”
“CEO: 'We reiterate our fiscal year 2026 guidance, which yields stronger growth than we achieved in FY25.'”
“CEO: 'I am also pleased to provide FY26 guidance, which includes even stronger growth than we achieved in FY25.'”
“CEO: 'We are pleased to announce that we are raising our full year guidance.'”
FICO aims to achieve stronger growth in FY26 compared to FY25, as reiterated in its guidance.
Stated in 3 of last 3 quarters. Revenue guidance increased from $1.99B in FY25 to $2.45B for FY26, indicating a focus on achieving stronger growth. The trajectory aligns with management's reiterated guidance for stronger growth than FY25.
“CEO: 'We reiterate our fiscal year 2026 guidance, which yields stronger growth than we achieved in FY25.'”
“CEO: 'I am also pleased to provide FY26 guidance, which includes even stronger growth than we achieved in FY25.'”
“CEO: 'We are pleased to announce that we are raising our full year guidance.'”