Fair Isaac Corporation FICO
Technology · Software - Application · United States · S&P 500
Based on the available data, Fair Isaac Corporation gets an algorithmic score of 62/100. It trades at 617.87 $, with a bearish technical trend (RSI 16.5) and 62.7% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (34.1%): pricing power / competitive advantage.
- Sustained revenue growth (13.1% compound annual).
- Attractive free-cash-flow yield (5.5%).
- Low valuation (P/E 11.8).
Weaknesses
- —
Fundamentals
| P/E | 24.34 |
| Forward P/E | 11.75 |
| PEG | 0.70 |
| P/B | -3.26 |
| EV/EBITDA | 14.80 |
| P/S | 5.58 |
| ROA % | 39.98 |
| Gross margin % | 85.10 |
| Operating margin % | 53.79 |
| Net margin % | 34.05 |
| Revenue growth % (y/y) | 25.70 |
| Earnings growth % (y/y) | 41.20 |
| Revenue CAGR % | 13.07 |
| Earnings CAGR % | 20.40 |
| Current ratio | 1.18 |
| FCF yield % | 5.54 |
| Dividend yield % | 0.00 |
| Payout % | 0.00 |
Returns
| 1 month | -46.4 % |
| 3 months | -48.3 % |
| 6 months | -41.0 % |
| YTD | -62.4 % |
| 1 year | -59.3 % |
| 3 years | -30.5 % |
| 5 years | +47.2 % |
Risk
| 1-year volatility | 62.7 % |
| Beta | 0.93 |
| 5-year max drawdown | -74.1 % |
| Sharpe 1A | -1.17 |
Macroeconomic context
Highly sensitive to interest rates (valued on future cash flows): rate cuts and falling bond yields help it. It depends on the corporate investment cycle (AI/cloud capex), the semiconductor supply chain (Taiwan/China) and the dollar (foreign revenue). As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.