Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Fair Isaac Corporation(FICO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FICO
11/09/2026: FICO (1-star) is currently NOT-A-BUY. Pass it for now.
Fair Isaac Corporation is a specialized financial technology company known for its FICO credit score, which serves as a standard for credit assessment in the U.S. The company has a leading position in the industry, benefiting from high switching costs and robust, recurring revenue streams. Its main growth opportunity lies in scaling its enterprise software platform across global industries. Key risks include regulatory scrutiny, potential competition from alternative data models, and economic sensitivity to credit volume. The stock may suit growth-oriented investors looking for a highly profitable, entrenched business model, though it lacks dividend income and carries valuation risk at premium trading levels.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | FICO provides consistent top-line growth driven by the essential nature of its credit scoring models and expanding enterprise software footprint. |
| Momentum investor | Strong fit while signal remains positive | The stock often exhibits strong upward trends aligned with software sector performance and sustained earnings growth. |
| Value investor | Mixed fit | FICO often trades at a premium valuation multiple due to its market dominance and high margins, which may not satisfy strict value criteria. |
| Dividend investor | Weak fit | FICO does not pay a cash dividend, making it unsuitable for investors seeking regular income. |
| Low-risk investor | Mixed fit | While the business model is highly stable and monopolistic in core areas, the stock's valuation and volatility can be higher than traditional low-risk assets. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience rapid price adjustments based on shifts in investor sentiment toward software valuations or interest rate environments. |
| Valuation risk | Medium / high | A high price-to-earnings ratio makes the stock sensitive to any potential slowing in growth rates. |
| Competition risk (Fintech / AI competition) | Medium | New entrants using alternative data models could eventually challenge the traditional FICO Score's dominance. |
| Business quality | Strong | FICO benefits from high switching costs and a deeply entrenched market position in the U.S. credit ecosystem. |
| Dividend income | Low / none | Investors receive zero income from dividends, relying entirely on capital appreciation. |
| Execution risk | Medium | The company's ability to successfully transition all clients to its cloud-based FICO Platform is critical to long-term software growth. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
Analysis of Past Performance
Type Stock | Historic Profit -5.44% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 15.22B USD | Price to earnings Ratio 19.4 | 1Y Target Price 821.79 |
Price to earnings Ratio 19.4 | 1Y Target Price 821.79 | ||
Volume (30-day avg) 1.2M shares | Beta 1.34 | 52 Weeks Range 586.05 - 1858.91 | Updated Date 11/09/2026 |
52 Weeks Range 586.05 - 1858.91 | Updated Date 11/09/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 36.32 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Scores | B2B and B2C credit scoring products based on proprietary data. | This is the 'cash cow' segment providing steady, high-margin revenue from the U.S. credit industry. |
| Software | Enterprise decisioning and predictive analytics platform solutions. | This segment drives future growth through recurring subscriptions and broader industry application. |
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 2026-11-04 | When After Market | Estimate 9.2 | Actual 9.61 |
Profitability
Profit Margin 32.94% | Operating Margin (TTM) 44.72% |
Management Effectiveness
Return on Assets (TTM) 40.99% | Return on Equity (TTM) 35.62% |
Valuation
Trailing PE 19.4 | Forward PE 13.77 | Enterprise Value 20.28B | Price to Sales(TTM) 6 |
Enterprise Value 20.28B | Price to Sales(TTM) 6 | ||
Enterprise Value to Revenue 8 | Enterprise Value to EBITDA 15.48 | Shares Outstanding 21.60M | Shares Floating 20.69M |
Shares Outstanding 21.60M | Shares Floating 20.69M | ||
Percent Insiders 3.02 | Percent Institutions 102.42 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.