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FICO logo FICO
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Fair Isaac Corporation (FICO)

Upturn stock ratingUpturn stock rating
$1843.18
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

07/01/2025: FICO (4-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Above Average Performance

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Number of Analysts

rating

19 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $2196.55

1 Year Target Price $2196.55

Analysts Price Target For last 52 week
$2196.55Target price
Low$1484.29
Current$1843.18
high$2402.51

Analysis of Past Performance

Type Stock
Historic Profit 51.69%
Avg. Invested days 72
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/01/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 44.50B USD
Price to earnings Ratio 78.62
1Y Target Price 2196.55
Price to earnings Ratio 78.62
1Y Target Price 2196.55
Volume (30-day avg) 19
Beta 1.29
52 Weeks Range 1484.29 - 2402.51
Updated Date 06/30/2025
52 Weeks Range 1484.29 - 2402.51
Updated Date 06/30/2025
Dividends yield (FY) -
Basic EPS (TTM) 23.25

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 31.36%
Operating Margin (TTM) 49.25%

Management Effectiveness

Return on Assets (TTM) 28.7%
Return on Equity (TTM) 35.62%

Valuation

Trailing PE 78.62
Forward PE 49.75
Enterprise Value 46613191879
Price to Sales(TTM) 24.18
Enterprise Value 46613191879
Price to Sales(TTM) 24.18
Enterprise Value to Revenue 25.33
Enterprise Value to EBITDA 55.98
Shares Outstanding 24341700
Shares Floating 23647708
Shares Outstanding 24341700
Shares Floating 23647708
Percent Insiders 2.54
Percent Institutions 90.02

Analyst Ratings

Rating 3
Target Price 2196.55
Buy 5
Strong Buy 7
Buy 5
Strong Buy 7
Hold 5
Sell 1
Strong Sell 1
Strong Sell 1

ai summary icon Upturn AI SWOT

Fair Isaac Corporation

stock logo

Company Overview

overview logo History and Background

Fair Isaac Corporation (FICO), founded in 1956, revolutionized credit risk assessment with the FICO score, becoming a standard for lenders. It has expanded into analytics, software, and decision management solutions.

business area logo Core Business Areas

  • Scores: Provides credit scores used by lenders to assess credit risk. This includes the FICO Score and related products.
  • Software: Offers decision management software platforms and applications used by businesses to automate and improve decision-making processes across various industries.

leadership logo Leadership and Structure

CEO: William J. Lansing. The organizational structure includes business units focused on scores and software, supported by functional departments like finance, technology, and marketing.

Top Products and Market Share

overview logo Key Offerings

  • FICO Score: The dominant credit scoring model used by lenders in the U.S. Market share is estimated to be over 90% in the mortgage lending industry. Competitors include VantageScore (TransUnion, Equifax, Experian) who has a market share of 10%.
  • FICO Platform: A decision management platform used by businesses to automate and optimize decision-making across the customer lifecycle. FICO does not publish the specific revenue generated. Competitors include Experian, Equifax, and TransUnion who are also decisioning platform providers.

Market Dynamics

industry overview logo Industry Overview

The credit risk assessment and decision management industry is growing, driven by increasing data availability and the need for automated, data-driven decision making. The industry serves financial services, retail, telecommunications, and government sectors.

Positioning

FICO is the leader in credit scoring and a significant player in decision management software. Its competitive advantage lies in its established brand, proprietary algorithms, and extensive data assets.

Total Addressable Market (TAM)

The global credit risk management market is projected to reach $25 billion by 2027. FICO is well positioned to capture a significant portion of this TAM with its established products and expanding offerings.

Upturn SWOT Analysis

Strengths

  • Dominant market share in credit scoring
  • Strong brand recognition and reputation
  • Proprietary algorithms and data assets
  • Established relationships with lenders

Weaknesses

  • Reliance on the U.S. credit market
  • Vulnerability to regulatory changes
  • Potential disruption from alternative credit scoring models
  • Can be slow to innovate compared to smaller companies

Opportunities

  • Expanding into new geographic markets
  • Developing new scoring models for alternative data
  • Growing demand for decision management software
  • Acquisitions to expand product portfolio

Threats

  • Increasing competition from alternative credit scoring models
  • Regulatory changes that could impact credit scoring practices
  • Economic downturns that could reduce lending activity
  • Data breaches and security risks

Competitors and Market Share

competitor logo Key Competitors

  • TRI
  • EFX
  • ACIW

Competitive Landscape

FICO's advantages include its dominant market share in credit scoring, strong brand recognition, and proprietary algorithms. Disadvantages include reliance on the U.S. credit market and potential disruption from alternative credit scoring models.

Major Acquisitions

Quadagno

  • Year: 2016
  • Acquisition Price (USD millions): 185
  • Strategic Rationale: Acquired for collection and recovery software to bolster FICO's fraud, security and compliance offerings.

Growth Trajectory and Initiatives

Historical Growth: FICO has experienced steady revenue and earnings growth over the past decade, driven by the increasing demand for credit scoring and decision management solutions.

Future Projections: Analysts project continued revenue and earnings growth for FICO, driven by expansion into new markets and product innovation.

Recent Initiatives: Recent initiatives include expanding the FICO Platform, developing new scoring models for alternative data, and acquiring companies to expand its product portfolio.

Summary

FICO is a strong company with a dominant position in the credit scoring market. Its solid financial performance and growth trajectory is a testament to its continued success. However, FICO needs to innovate to address potential disruptions and navigate regulatory changes, all while maintaining its competitive advantages.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Fair Isaac Corporation

Exchange NYSE
Headquaters Bozeman, MT, United States
IPO Launch date 1987-07-22
President, CEO & Director Mr. William J. Lansing J.D.
Sector Technology
Industry Software - Application
Full time employees 3718
Full time employees 3718

Fair Isaac Corporation develops software with analytics and digital decisioning technologies that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. It offers FICO® Decision Modeler and FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, FICO Decision Optimizer, FICO TRIAD Customer Manager, FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, FICO Analytic Services, FICO Advisors, and FICO Blaze Advisor, as well as software implementation and configuration services. The company markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.