FICO
Neutral signalScored 2026-08-03 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Fair Isaac Corporation
- Nom
- Fair Isaac Corporation
- Secteur
- Technology
- Industrie
- Software - Application
- Bourse
- NYSE
- Capitalisation
- $17.5B
- Employés
- 3,876
- PDG
- William J. Lansing
- Site web
- https://www.fico.com
- Marché
- ACIWNCNONICETMSNYTRU
Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 967 titres (~1 353 800,00 $ US)
- Insiders
- Manolis Eva
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,353,800
Avg sell (VWAP, 90d window) $1,400.00 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$1,353,800 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-07-29
- Last synced
-
2026-10-19 22:07:50
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-29 | Manolis Eva | Sell · S · 10b5-1 | 967 | $1,400.00 | $1,353,800 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-04-22 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2026-04-14 | Gilbert Cisneros | Sale (Full) | $1,001 - $15,000 |
| 2026-03-13 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-02-10 | Gilbert Cisneros | Sale | $1,001 - $15,000 |
| 2026-02-04 | Josh Gottheimer | Sale (Full) | $1,001 - $15,000 |
| 2025-12-19 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-08-26 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-01-27 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2024-04-29 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2024-03-20 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-08-03 | Kathy E. Manning | Sale (Full) | $1,001 - $15,000 |
| 2022-07-20 | Kathy E. Manning | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-08-03 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
FICO presents a neutral financial baseline (liquidity and fundamental trend both at 50) undermined by a near-total absence of verifiable financial data, making any bullish thesis structurally unsupported.
The first sentence of the analysis written for FICO on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. – Insider: neutral. All sales (≈ $1.4M) were pre-planned Rule 10b5-1 trades, excluded from the score. No open-market buys or discretionary sales. – Initiés : neutre. Toutes les ventes (≈ $1.4M) sont sous plan 10b5-1 préétabli, exclues du score. Aucun achat ni vente discrétionnaire.
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.83 · operating margin 46% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 82.2% | 79.7% | 79.4% | 78.1% | 74.7% | |
| Ebit Margin | 47.0% | 43.5% | 42.9% | 39.2% | 39.0% | |
| Ebitda Margin | 47.8% | 44.3% | 43.9% | 40.7% | 40.9% | |
| Operating Profit Margin | 46.5% | 42.7% | 42.5% | 39.4% | 38.4% | |
| Pretax Profit Margin | 40.3% | 37.4% | 36.6% | 34.2% | 35.9% | |
| Continuous Operations Profit Margin | 32.7% | 29.9% | 28.4% | 27.1% | 29.8% | |
| Net Profit Margin | 32.7% | 29.9% | 28.4% | 27.1% | 29.8% | |
| Bottom Line Profit Margin | 32.7% | 29.9% | 28.4% | 27.1% | 29.8% | |
| Current Ratio | 0.830 | 1.624 | 1.513 | 1.462 | 0.985 | |
| Quick Ratio | 0.830 | 1.624 | 1.513 | 1.462 | 0.985 | |
| Solvency Ratio | 0.185 | 0.196 | 0.196 | 0.176 | 0.249 | |
| Cash Ratio | 0.158 | 0.396 | 0.372 | 0.402 | 0.349 | |
| Price To Earnings Ratio | 55.633 | 93.528 | 50.555 | 28.732 | 29.152 | |
| Price To Earnings Growth Ratio | 1.889 | 4.463 | 2.553 | 5.684 | 0.429 | |
| Forward Price To Earnings Growth Ratio | 1.889 | 4.463 | 2.553 | 5.684 | 0.429 | |
| Price To Earnings Diluted Ratio | 56.388 | 95.038 | 51.301 | 29.056 | 29.696 | |
| Price To Earnings Diluted Growth Ratio | 1.893 | 4.571 | 2.645 | 4.992 | 0.427 | |
| Price To Book Ratio | -20.778 | -49.818 | -31.543 | -13.379 | -103.064 | |
| Price To Sales Ratio | 18.220 | 27.923 | 14.338 | 7.790 | 8.685 | |
| Price To Free Cash Flow Ratio | 47.117 | 78.955 | 46.701 | 21.313 | 27.469 | |
| Price To Operating Cash Flow Ratio | 46.577 | 75.768 | 46.279 | 21.061 | 26.979 | |
| Debt To Assets Ratio | 1.646 | 1.305 | 1.207 | 1.326 | 0.851 | |
| Debt To Equity Ratio | -1.761 | -2.329 | -2.764 | -2.384 | -12.031 | |
| Debt To Capital Ratio | 2.314 | 1.752 | 1.567 | 1.722 | 1.091 | |
| Long Term Debt To Capital Ratio | 2.918 | 1.782 | 1.612 | 1.785 | 1.124 | |
| Financial Leverage Ratio | -1.070 | -1.784 | -2.290 | -1.798 | -14.131 | |
| Working Capital Turnover Ratio | 42.779 | 8.066 | 8.851 | 18.994 | 23.650 | |
| Operating Cash Flow Ratio | 0.917 | 1.664 | 1.275 | 1.537 | 0.758 | |
| Operating Cash Flow Sales Ratio | 0.391 | 0.369 | 0.310 | 0.370 | 0.322 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.989 | 0.960 | 0.991 | 0.988 | 0.982 | |
| Debt Service Coverage Ratio | 1.501 | 5.241 | 3.707 | 4.678 | 1.578 | |
| Interest Coverage Ratio | 6.920 | 6.945 | 6.728 | 7.865 | 12.608 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.949 | 42.198 | 9.378 | 16.982 | 1.695 | |
| Operating Cash Flow Coverage Ratio | 0.253 | 0.282 | 0.247 | 0.266 | 0.318 | |
| Capital Expenditure Coverage Ratio | 87.291 | 24.773 | 110.671 | 84.500 | 55.994 | |
| Dividend Paid And Capex Coverage Ratio | 87.291 | 24.773 | 110.671 | 84.500 | 55.994 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 41.227 | 65.727 | 35.351 | 22.307 | 23.335 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 82.2% | ▲2.5% | ▲3.4% |
| Ebit Margin | 47.0% | ▲3.5% | ▲4.7% |
| Ebitda Margin | 47.8% | ▲3.4% | ▲4.3% |
| Operating Profit Margin | 46.5% | ▲3.7% | ▲4.6% |
| Pretax Profit Margin | 40.3% | ▲2.9% | ▲3.4% |
| Continuous Operations Profit Margin | 32.8% | ▲2.9% | ▲3.2% |
| Net Profit Margin | 32.8% | ▲2.9% | ▲3.2% |
| Bottom Line Profit Margin | 32.8% | ▲2.9% | ▲3.2% |
| Current Ratio | 0.830 | ▼-0.793 | ▼-0.453 |
| Quick Ratio | 0.830 | ▼-0.793 | ▼-0.453 |
| Solvency Ratio | 0.184 | ▼-0.012 | ▼-0.016 |
| Cash Ratio | 0.158 | ▼-0.238 | ▼-0.177 |
| Price To Earnings Ratio | 55.633 | ▼-37.895 | ▲4.113 |
| Price To Earnings Growth Ratio | 1.889 | ▼-2.574 | ▼-1.115 |
| Forward Price To Earnings Growth Ratio | 1.889 | ▼-2.574 | ▼-1.115 |
| Price To Earnings Diluted Ratio | 56.388 | ▼-38.650 | ▲4.092 |
| Price To Earnings Diluted Growth Ratio | 1.893 | ▼-2.678 | ▼-1.012 |
| Price To Book Ratio | -20.778 | ▲29.039 | ▲22.938 |
| Price To Sales Ratio | 18.220 | ▼-9.703 | ▲2.829 |
| Price To Free Cash Flow Ratio | 47.117 | ▼-31.838 | ▲2.805 |
| Price To Operating Cash Flow Ratio | 46.577 | ▼-29.191 | ▲3.244 |
| Debt To Assets Ratio | 1.646 | ▲0.341 | ▲0.379 |
| Debt To Equity Ratio | -1.761 | ▲0.568 | ▲2.493 |
| Debt To Capital Ratio | 2.313 | ▲0.561 | ▲0.624 |
| Long Term Debt To Capital Ratio | 2.918 | ▲1.136 | ▲1.074 |
| Financial Leverage Ratio | -1.070 | ▲0.714 | ▲3.145 |
| Working Capital Turnover Ratio | 42.779 | ▲34.713 | ▲22.311 |
| Operating Cash Flow Ratio | 0.917 | ▼-0.747 | ▼-0.313 |
| Operating Cash Flow Sales Ratio | 0.391 | ▲0.023 | ▲0.039 |
| Free Cash Flow Operating Cash Flow Ratio | 0.989 | ▲0.029 | ▲0.007 |
| Debt Service Coverage Ratio | 1.501 | ▼-3.740 | ▼-1.840 |
| Interest Coverage Ratio | 6.920 | ▼-0.025 | ▼-1.293 |
| Short Term Operating Cash Flow Coverage Ratio | 1.949 | ▼-40.248 | ▼-12.491 |
| Operating Cash Flow Coverage Ratio | 0.253 | ▼-0.029 | ▼-0.020 |
| Capital Expenditure Coverage Ratio | 87.291 | ▲62.518 | ▲14.645 |
| Dividend Paid And Capex Coverage Ratio | 87.291 | ▲62.518 | ▲14.645 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 41.227 | ▼-24.499 | ▲3.638 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $36.27B | $47.96B | $21.70B | $10.73B | $11.43B | |
| Enterprise value | $39.22B | $50.05B | $23.47B | $12.51B | $12.57B | |
| EV / Sales | 19.70x | 29.14x | 15.50x | 9.08x | 9.55x | |
| EV / Op. cash flow | 50.35x | 79.07x | 50.04x | 24.55x | 29.67x | |
| EV / Free cash flow | 50.94x | 82.40x | 50.50x | 24.85x | 30.21x | |
| EV / EBITDA | 41.23x | 65.73x | 35.35x | 22.31x | 23.34x | |
| Net debt / EBITDA | 3.09x | 2.75x | 2.66x | 3.17x | 2.12x | |
| Current ratio | 0.83x | 1.62x | 1.51x | 1.46x | 0.98x | |
| Income quality | 1.20x | 1.23x | 1.09x | 1.36x | 1.08x | |
| Graham net-net | -$127 | -$90 | -$73 | -$72 | -$43 | |
| Tax burden | 81.2% | 79.9% | 77.6% | 79.3% | 82.9% | |
| Interest burden | 85.7% | 85.9% | 85.3% | 87.2% | 92.2% | |
| Working capital | -$144.1M | $237.1M | $188.8M | $153.3M | -$8.2M | |
| Invested capital | $733.2M | $1.09B | $999.7M | $970.6M | $859.2M | |
| Return on assets | 34.9% | 29.9% | 27.3% | 25.9% | 25.0% | |
| Operating ROA | 51.6% | 44.6% | 42.6% | 36.0% | 31.9% | |
| Return on tangible assets | 60.1% | 54.8% | 53.6% | 55.0% | 50.6% | |
| Return on equity | -37.3% | -53.3% | -62.4% | -46.6% | -353.4% | |
| Return on invested capital | 53.0% | 43.0% | 39.1% | 37.1% | 32.7% | |
| Return on capital employed | 90.8% | 54.8% | 53.2% | 48.8% | 50.1% | |
| Earnings yield | 1.8% | 1.1% | 2.0% | 3.5% | 3.4% | |
| Free cash flow yield | 2.1% | 1.3% | 2.1% | 4.7% | 3.6% | |
| Capex / Op. cash flow | 1.1% | 4.0% | 0.9% | 1.2% | 1.8% | |
| Capex / Depreciation | 59.7% | 184.8% | 28.9% | 29.5% | 29.6% | |
| Capex / Sales | 0.4% | 1.5% | 0.3% | 0.4% | 0.6% | |
| SG&A / Sales | 25.8% | 26.9% | 26.5% | 27.9% | 30.1% | |
| R&D / Sales | 9.5% | 10.0% | 10.6% | 10.7% | 13.0% | |
| Stock comp / Sales | 7.9% | 8.7% | 8.2% | 8.4% | 8.5% | |
| Intangibles / Total assets | 41.9% | 45.6% | 49.1% | 52.9% | 50.5% | |
| Days sales outstanding | 97d | 91d | 94d | 85d | 87d | |
| Days payables outstanding | 33d | 24d | 22d | 21d | 23d | |
| Operating cycle | 97d | 91d | 94d | 85d | 87d | |
| Cash conversion cycle | 64d | 67d | 71d | 65d | 64d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-14 Independent Industry Experts Named to Judge 2027 FICO Decision Awards BOZEMAN, MT--(BUSINESS WIRE)---- $FICO--Global analytics software leader FICO has announced its panel of independent judges for the 2027 FICO® Decision Awards, which honor businesses achieving outstanding results using analytics and decision management technology to grow their business, manage risk and reduce costs.“Our customers are adapting fast, using data, analytics, and technology to create better outcomes, and some of what they''re building is remarkable,” said Nikhil Behl, president, Software at FIC.
- 2026-10-10 Breakfast News: The Quarter in Charts The market made a modest gain - but most stocks got left behind.
- 2026-10-10 Why Is Fair Isaac Corporation (NYSE: FICO) Stock Down 60% This Year? What happened Shares of Fair Isaac Corporation (NYSE: FICO) closed at $681.77 on October 7. That was down 59.7% from the December 31, 2025 close of $1,690.62. The direct business answer is that investors are reassessing a prized monopoly-like asset. Mortgage lenders can now choose between Classic FICO and VantageScore 4.0 for eligible loans sold
- 2026-10-07 Fair Isaac Corporation (FICO) Securities Investigation Notice - Levi & Korsinsky Fair Isaac Corporation (FICO) Securities Investigation Notice - Levi and KorsinskyPR NewswireNEW YORK, Oct. 7, 2026 FICO shareholders saw after-hours and premarke
- 2026-10-07 Fair Isaac Corporation (FICO) Securities Investigation Notice - Levi & Korsinsky FICO shareholders saw after-hours and premarket losses of up to a reported 20% after the FHFA''s mortgage credit score announcement. Levi & Korsinsky is investigating potential securities law violations on behalf of affected investors.
- 2026-10-07 FICO Is Cutting 15% of Its Workforce After Losing More Than Half Its Value A single regulatory decision stripped FICO of the status that made its mortgage score virtually mandatory for lenders, and now the company is cutting hundreds of jobs while its stock sits near a price that one analyst just called a
- 2026-10-07 Only 5.2% of Tech Leaders Have Full Confidence Explaining Their AI Decisions, New FICO Research Finds BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO''s 2026 State of Responsible AI survey of 1,004 tech leaders: data on AI explainability, governance, agentic AI adoption and ROI across industries.
- 2026-10-07 SpaceX, TSMC, Constellation Brands, FICO, and More Stocks That Explain Today''s Market Constellation Brands signals weak demand for two flagship beer brands, while Intel rises after Elon Musk downplays TSMC''s role in Terafab.
- 2026-10-07 FICO Cuts 15% of Its Staff. Why Investors Aren''t Buying It. Shares are on a nightmarish run—and slashing jobs won''t change that.
- 2026-10-06 FICO cuts workforce by 15% in AI-driven restructuring Credit-scoring giant Fair Isaac , better known as FICO, said on Tuesday it would cut about 15% of its workforce as it simplifies its operating structure and integrates AI into product development.