Fair Isaac (FICO)
NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-07-07
$1300.59+1.09%
Close 2026-07-07 · 1-day change
Reading FICO? This analysis is rebuilt every market day. Get it tracked free. No credit card.
Track FICO free→NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-07-07
Reading FICO? This analysis is rebuilt every market day. Get it tracked free. No credit card.
Track FICO free→QuarterlyIQ Insights · FICO
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. Current price $1300.59. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Around the middle on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $1,301 FICO trades at 37× p/e, below its 38× p/e peer median. Our $1,498 fair value sits above the price. It's a high-confidence read. Analysts target $1,150–$1,950. Not investment advice.
$1150.00 – $1950.00 (median $1416.00) · 11 analysts · as of 2026-07-02
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
At today's price you pay about 60% over what the business is worth with no growth; closing that gap needs roughly 2.6 years of the forecast growth to come through. These describe the expectations embedded in the price, not a forecast of the move. Reverse-DCF base: $28.25/sh owner earnings.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $1416.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $2587.69 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $2641.77 | — | — | Hist. CAGR | high |
| Mgmt guidance | 12M | $950.94 | 38.0 | 25.05 | Mgmt | high |
| Peer EV/EBITDA | 12M | $560.97 | 14.4 | 48.85 | TTM | high |
| Peer P/FCF | 12M | $723.84 | 19.3 | 37.59 | TTM | high |
| Peer P/E | 12M | $1333.98 | 38.0 | 35.14 | TTM | high |
| Peer P/S | 12M | $319.33 | 3.4 | 94.99 | TTM | high |
| PEG | 12M | $502.72 | 14.3 | 35.14 | TTM | high |
| Own P/E history | 12M | $1243.44 | 35.4 | 35.14 | TTM | high |
| triangulated | 12M | $1379.33 | 38.0 | 36.33 | Triangulated | high |
| Mgmt guidance | 3Y | $2764.56 | 38.0 | 72.82 | Mgmt(prov.) | medium |
| Peer P/FCF | 3Y | $1100.86 | 19.3 | 57.17 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $1626.90 | 38.0 | 42.86 | Analyst | medium |
| Peer P/S | 3Y | $327.04 | 3.4 | 97.28 | guidance | medium |
| PEG | 3Y | $613.12 | 14.3 | 42.86 | Analyst | medium |
| Own P/E history | 3Y | $1516.49 | 35.4 | 42.86 | Analyst | medium |
| Mgmt guidance | 5Y | $5631.29 | 38.0 | 148.34 | Mgmt(prov.) | high |
| Peer P/FCF | 5Y | $1455.89 | 19.3 | 75.61 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $1253.40 | 38.0 | 33.02 | Analyst | high |
| Peer P/S | 5Y | $251.96 | 3.4 | 74.95 | guidance | high |
| PEG | 5Y | $472.36 | 14.3 | 33.02 | Analyst | high |
| Own P/E history | 5Y | $1168.33 | 35.4 | 33.02 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.