Valuation Update With 7 Day Price Move • Aug 05
Investor sentiment deteriorates as stock falls 22% After last week's 22% share price decline to US$1,047, the stock trades at a forward P/E ratio of 24x. Average forward P/E is 16x in the Software industry in the US. Total returns to shareholders of 22% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,670 per share. Recent Insider Transactions Derivative • Jul 30
Independent Director notifies of intention to sell stock Eva Manolis intends to sell 967 shares in the next 90 days after lodging an Intent To Sell Form on the 29th of July. If the sale is conducted around the recent share price of US$1,336, it would amount to US$1.3m. Eva currently holds less than 1% of total shares outstanding. Company insiders have collectively sold US$79m more than they bought, via options and on-market transactions in the last 12 months. Buy Or Sell Opportunity • Jul 30
Now 32% undervalued Over the last 90 days, the stock has risen 10% to US$1,140. The fair value is estimated to be US$1,664, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 24%. For the next 3 years, revenue is forecast to grow by 12% per annum. Earnings are also forecast to grow by 15% per annum over the same time period. Notizie in diretta • Jul 30
FICO Score 10T Adoption Reaches 70 Lenders With Free Access Program Expansion Fair Isaac reported that more than 70 mortgage lenders now use its FICO Score 10T, with recent adopters including Fairway Home Mortgage and Novus Home Mortgage, and is offering the score alongside the Classic FICO Score at no extra fee through its Free Access Program.
The milestone points to growing uptake of Fair Isaac’s newer scoring model in the mortgage channel, which could matter for how widely the product is used across the lending ecosystem.
Fair Isaac shares trade at US$1,373.08, with the stock up 34.0% over the past 90 days.
Expanding usage of FICO Score 10T reinforces Fair Isaac’s role in mortgage credit decisions and may help deepen relationships with lenders that standardize on its newer score. The key question for investors is how far and how fast this adoption extends across other lending segments and what pricing power the company can sustain as usage broadens. Annuncio • Jul 16
Fair Isaac Corporation to Report Q3, 2026 Results on Jul 29, 2026 Fair Isaac Corporation announced that they will report Q3, 2026 results After-Market on Jul 29, 2026 Buy Or Sell Opportunity • Jul 10
Now 20% undervalued Over the last 90 days, the stock has risen 36% to US$1,251. The fair value is estimated to be US$1,567, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 23%. For the next 3 years, revenue is forecast to grow by 13% per annum. Earnings are also forecast to grow by 16% per annum over the same time period. Notizie in diretta • Jul 06
Verdata Partnership Brings Expanded Small Business Data Directly to FICO Marketplace Verdata has joined the FICO Marketplace, making its small and medium-sized business data and risk insights available directly inside Fair Isaac’s decisioning workflows for underwriting, onboarding and portfolio monitoring.
The partnership is described as giving financial institutions more complete, current and actionable information to manage small business portfolios, which could make FICO’s platform more useful along the full customer lifecycle.
Fair Isaac’s share price is US$1,270.83, with the stock down 22.7% year to date, so the business is adding new data partnerships at a time when the share price has already seen a sizeable pullback.
For investors, the read-through is that Fair Isaac is trying to deepen the value of its decisioning platform in small business lending, an area where richer data can be a differentiator but also ties the company more closely to credit cycle and underwriting trends. Annuncio • Jul 02
Fico Announces Release of Expanded Historical Datasets for Fico Score 10T by Fannie Mae and Freddie Mac FICO announced that Government Sponsored Enterprises, Fannie Mae and Freddie Mac, have released expanded historical datasets for FICO Score 10T, covering loan-level performance data from April 2013 through September 2025. The newly available datasets represent a significant milestone in the mortgage industry’s transition to modernized credit scoring. The data enables lenders, investors, and housing finance stakeholders to evaluate the performance of FICO Score 10T using real-world, GSE loan-level information. The FICO Score 10T historical datasets are available directly from the GSEs. FICO Score 10T incorporates trended credit data and, when available in the credit bureau file, rental payment history, giving lenders a more complete view of how consumers manage credit and housing payments over time. To ensure lenders can evaluate the findings for themselves, FICO Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program. Nearly 70 lenders have already signed up. Notizie in diretta • Jun 24
Regulator Approves VantageScore 4.0 Ending Fair Isaac’s Mortgage Credit Scoring Monopoly The Federal Housing Finance Agency has approved VantageScore 4.0 for use in mortgage underwriting, ending Fair Isaac’s exclusive role in mortgage credit scoring and prompting a roughly 50% share price drop following the decision and the rise of a cheaper rival.
The change directly affects Fair Isaac’s core mortgage channel, raising questions about its pricing power and regulatory exposure, even as the company has issued higher revenue and earnings guidance for fiscal 2026.
Fair Isaac shares trade at about $1,099.41, with the stock down 33.1% year to date, reflecting how sharply sentiment has reset around the business.
The key issue now is whether Fair Isaac can offset pressure in mortgage scoring with other products and pricing, since the regulatory shift has turned a previously protected revenue stream into a more competitive one. Notizie in diretta • Jun 12
Fair Isaac Launches US$2 Billion Buyback Backed by US$1.5 Billion Term Loan and Analyst Optimism Fair Isaac has approved a new US$2.0b stock repurchase program, replacing its prior US$1.5b authorization, with an accelerated share repurchase to return capital more quickly.
To support the faster buyback, the company amended its credit agreement and fully drew a new US$1.5b unsecured incremental term loan due in 2028, with Wells Fargo Securities as administrative agent.
Despite a stock decline of roughly 30 to 50% year to date and over US$1m of insider selling in recent months, multiple major brokers have maintained Buy or Outperform ratings, citing FICO’s credit scoring franchise and software platform as key strengths.
The combination of a larger, debt-funded buyback and generally positive analyst commentary highlights management’s focus on shareholder returns at a time when the stock is being framed by analysts as undervalued.
You should weigh the benefits of reduced share count and strong cash generation against higher leverage, insider selling activity, and ongoing competitive and technology risks, including potential disruption from AI and rival scoring models. Annuncio • Jun 09
Fair Isaac Corporation (NYSE:FICO) announces an Equity Buyback for $2,000 million worth of its shares. Fair Isaac Corporation (NYSE:FICO) announces a share repurchase program. Under the program, the company will repurchase up to $2,000 million worth of its outstanding common stock. Notizie in diretta • Jun 04
FICO Sees 39% Revenue Growth and Raises 2026 Outlook While Facing Competitive Pressures Fair Isaac reported fiscal Q2 2026 revenue growth of 39% year over year, with GAAP net income up 63%, led by a 60% increase in its Scores segment that benefited from higher unit prices and stronger mortgage origination volumes.
The Software segment showed mixed trends, with platform revenue up 54% while non‑platform products declined as the company continued migrations and wound down certain offerings. Management raised full‑year 2026 guidance to about US$2.45 billion in total revenue alongside higher EPS targets.
An independent study found FICO Score 10T to have stronger mortgage risk prediction than a key rival. The company also adjusted Score 10T pricing, advanced a direct licensing program, and continued share buybacks, while analysts trimmed price targets but kept positive ratings following a short thesis from Steve Eisman.
In Q1, Fair Isaac reported revenue growth of 38.7% year over year and topped analyst expectations by 9.1%, although it issued the weakest full‑year guidance update among data and business process services peers.
Taken together, the recent quarters highlight strong demand for FICO’s scoring and platform offerings, alongside some caution in forward guidance and competitive pressure in consumer credit scoring.
Key issues to watch include adoption of Score 10T, progress on direct licensing, and any change in the competitive or regulatory backdrop that could affect pricing power or growth in B2B scoring and software platforms. Buy Or Sell Opportunity • Jun 03
Now 21% undervalued after recent price drop Over the last 90 days, the stock has fallen 20% to US$1,175. The fair value is estimated to be US$1,495, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 23%. For the next 3 years, revenue is forecast to grow by 12% per annum. Earnings are also forecast to grow by 16% per annum over the same time period. Annuncio • May 29
Fico Announces Enhancements to Fico Score Mortgage Simulator with New Automated Credit Planning Features FICO announced two new features for the FICO Score Mortgage Simulator – FICO Smart Plans and FICO Score Potential – designed to help mortgage professionals move beyond manual scenario simulations toward more automated, algorithmically driven data planning that can deliver better loan outcomes for consumers. The FICO Score Mortgage Simulator is the only authorized simulation tool for mortgage professionals built by FICO's analytic scientists using the trusted FICO Score algorithm. Traditionally, the tool has enabled mortgage professionals to test individual “build-your-own” or manual scenarios by adjusting specific credit variables to understand their potential impact on a borrower's FICO Score. The two newly launched features build on this foundation by automating and optimizing the simulated plans, with a “do-it-for-me” approach, helping lenders identify which borrowers have the greatest potential for score improvement and generate personalized credit action plans to support faster, more informed decision-making. The latest FICO Score Mortgage Simulator features include: FICO Smart Plans: Transforms the simulation experience from "do-it-yourself" to "do-it-for-me." Rather than manually running multiple individual “build-your-own” scenarios, mortgage professionals can set a target score goal, define a budget, or allow the system to run optimized actions, and FICO Smart Plans automatically determines the recommended credit action plans for that borrower. The feature evaluates a range of potential credit actions such as adjusting balances, removing authorized user accounts, or resolving third-party medical collections, and delivers a system-generated set of recommended steps. FICO Smart Plans offers three plan types to fit different needs: default score plans, target score plans, and target paydown plans, giving mortgage professionals a faster, smarter way to identify a clear path forward for each borrower. FICO Score Potential: Provides loan officers with the ability to have a preview of their applicant's potential FICO Score increase. By calculating the approximate potential score impact of various scenarios, loan officers can quickly assess whether a client has the potential to reach a higher FICO Score threshold — before ordering the FICO Score Mortgage Simulator and FICO Smart Plan feature. This is a simple but powerful way for lenders to prioritize time and focus on the applicants most likely to see meaningful score movement. Together, these features improve, enhance, and optimize the mortgage qualification process from end to end: FICO Score Potential helps lenders identify where to focus, and FICO Smart Plans delivers the automated, personalized credit action plan based on the score and algorithm that ultimately is used by lenders. The FICO Score Mortgage Simulator supports simulations on one, two, or three credit bureaus, and models potential changes to the classic FICO Scores used in mortgage lending – FICO Score 2, FICO Score 4, and FICO Score 5. This allows mortgage professionals to have the widest scope of insight across the FICO Scores they use. Lenders can access the tool through FICO’s partners including Xactus, MeridianLink, Credit Interlink, SharperLending Solutions, Credco (a Cotality company) and more. Recent Insider Transactions Derivative • May 28
President of Software exercised options and sold US$1.2m worth of stock On the 23rd of May, Nikhil Behl exercised options to acquire 998 shares at no cost and sold these for an average price of US$1,240 per share. This trade did not impact their existing holding. Since September 2025, Nikhil's direct individual holding has increased from 15.47k shares to 15.48k. Company insiders have collectively sold US$100m more than they bought, via options and on-market transactions in the last 12 months. Annuncio • May 22
FICO Announces Next-Generation Ultrafico Score Now Available FICO announced the general availability of the next-generation UltraFICO Score, a credit score that combines the proven reliability of the FICO Score, used by 90% of top U.S. lenders, with real-time, consumer-permissioned cash flow data. Developed by FICO and powered by Plaid's data network, the UltraFICO Score provides lenders with an enhanced measure of consumer credit risk, on the same industry standard score scale lenders trust, with minimal operational lift. The UltraFICO Score builds on traditional credit data by incorporating cash flow insights drawn from consumer-permissioned bank account data across Plaid's network of more than 12,000 financial institutions, including cash inflows and outflows, account balance stability, and spending behavior. The result is a single, enhanced score that delivers superior risk assessment without requiring lenders to overhaul their existing decisioning systems. Because the UltraFICO Score is aligned to the industry standard FICO Score scale, lenders can use this new score within existing credit policies and risk management frameworks from day one. By incorporating consumer permissioned indicators such as balance stability, deposit consistency, and spending behavior, the UltraFICO Score helps lenders responsibly expand access to credit while maintaining sound risk discipline. Analyses of the UltraFICO Score compared with traditional credit data alone show: A 7% relative increase in approvals with no incremental risk, and a 15% relative performance lift for prime applicants with limited credit histories; 79% of non-prime applicants with a history of positive account balances see higher scores. The UltraFICO® Score is available now. Lenders can access it regardless of how they currently receive FICO Scores, as it is distributed through Plaid Check, Plaid's consumer reporting agency. Built on secure, consent-based data sharing and designed to meet compliance requirements, the UltraFICO Score reflects FICO's continued leadership in advancing the most predictive, reliable credit scores, and the company's longstanding commitment to expanding financial inclusion. Valuation Update With 7 Day Price Move • May 20
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to US$1,230, the stock trades at a forward P/E ratio of 29x. Average forward P/E is 16x in the Software industry in the US. Total returns to shareholders of 61% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,502 per share. Price Target Changed • Apr 30
Price target decreased by 7.5% to US$1,570 Down from US$1,697, the current price target is an average from 20 analysts. New target price is 50% above last closing price of US$1,044. Stock is down 48% over the past year. The company is forecast to post earnings per share of US$37.87 for next year compared to US$26.90 last year. Annuncio • Apr 29
Fair Isaac Corporation Raises Earnings Guidance for Fiscal Year 2026 Fair Isaac Corporation raised earnings guidance for fiscal year 2026. The company now expects revenues of $2.45 billion, GAAP net income of $825 million, and GAAP EPS of $35.60, compared to its previous guidance of revenues of $2.35 billion, GAAP net income of $795 million, and GAAP EPS of $33.47. Reported Earnings • Apr 29
Second quarter 2026 earnings: EPS and revenues exceed analyst expectations Second quarter 2026 results: EPS: US$11.19 (up from US$6.67 in 2Q 2025). Revenue: US$691.7m (up 39% from 2Q 2025). Net income: US$264.5m (up 63% from 2Q 2025). Profit margin: 38% (up from 33% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 10%. Earnings per share (EPS) also surpassed analyst estimates by 19%. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 16% growth forecast for the Software industry in the US. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 12% per year, which means it is significantly lagging earnings growth. Price Target Changed • Apr 17
Price target decreased by 7.5% to US$1,713 Down from US$1,852, the current price target is an average from 20 analysts. New target price is 60% above last closing price of US$1,070. Stock is down 44% over the past year. The company is forecast to post earnings per share of US$36.83 for next year compared to US$26.90 last year. Annuncio • Apr 17
Fair Isaac Corporation to Report Q2, 2026 Results on Apr 28, 2026 Fair Isaac Corporation announced that they will report Q2, 2026 results After-Market on Apr 28, 2026 Valuation Update With 7 Day Price Move • Apr 10
Investor sentiment deteriorates as stock falls 15% After last week's 15% share price decline to US$922, the stock trades at a forward P/E ratio of 24x. Average forward P/E is 16x in the Software industry in the US. Total returns to shareholders of 32% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,447 per share. Valuation Update With 7 Day Price Move • Mar 24
Investor sentiment deteriorates as stock falls 17% After last week's 17% share price decline to US$995, the stock trades at a forward P/E ratio of 26x. Average forward P/E is 17x in the Software industry in the US. Total returns to shareholders of 46% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,416 per share. Buy Or Sell Opportunity • Mar 12
Now 23% undervalued after recent price drop Over the last 90 days, the stock has fallen 41% to US$1,094. The fair value is estimated to be US$1,427, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 21%. For the next 3 years, revenue is forecast to grow by 14% per annum. Earnings are also forecast to grow by 18% per annum over the same time period. Annuncio • Mar 11
FICO Launches FICO Score Credit Insights Lab FICO announced the launch of the FICO Score Credit Insights Lab, a dynamic digital platform designed to help financial institutions pilot cutting-edge scoring strategies, benchmark portfolio performance, and responsibly expand credit access. The FICO Score Credit Insights Lab delivers instant insights with critical benchmarking data and interactive portfolio modeling tools that financial institutions need to accelerate revenue growth, mitigate risk, and expand credit access responsibly. Through the suite of tools, financial institutions can explore FICO’s latest scoring innovations, analyze real-world benchmarking data, and simulate the impact of alternative data strategies on portfolio outcomes. These are the only interactive tools available built on the foundation of FICO Scores – the most widely used and trusted credit scores in the U.S. lending ecosystem. With the FICO Score Credit Insights Lab, risk and strategy teams can experiment with score layering, cash flow integration, simulate portfolio shifts and evaluate the benefits of upgrading to newer models such as the FICO Score 10 Suite. The platform simplifies complex analysis, helping institutions align risk decisions with business objectives while meeting regulatory expectations. The FICO Score Credit Insights Lab features five core interactive tools designed to provide actionable insights, including: Average FICO Score by State Benchmarking Tool: Enables exploration of regional score trends by state or Metropolitan Statistical Area (MSA) across different FICO Score versions, industries, and time periods; Serious Delinquency Rates by FICO Score Band: Provides access to national sample data for portfolio performance assessment and benchmarking analysis; FICO Score Distribution Benchmarking Tool: Allows comparison of applicant or portfolio score distributions against large national samples; FICO Score 10 Adoption Explorer Tool: Facilitates score comparison metrics and upgrade simulation to the FICO Score 10 Suite, including portfolio redistribution modeling; Inclusion Opportunity Explorer: Quantifies the business potential of financial inclusion through alternative data scoring solutions for credit invisible and near-approval applicants. Central to the FICO Score Credit Insights Lab is FICO's long-standing commitment to advancing credit access through responsible innovation. Advanced analytic tools such as the Inclusion Opportunity Explorer enables lenders to develop strategies for extending credit access to credit-invisible and underserved populations. Lenders can model the integration of alternative and cash flow data solutions, including FICO Score XD and UltraFICO Score, to responsibly reach new-to-credit borrowers while maintaining robust portfolio quality and supporting sustainable growth. FICO invites lenders to turn insight into impact. By registering at credit risk professionals can begin using the tools on the FICO Score Credit Insights Lab to accelerate business objectives. Valuation Update With 7 Day Price Move • Mar 03
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to US$1,448, the stock trades at a forward P/E ratio of 37x. Average forward P/E is 14x in the Software industry in the US. Total returns to shareholders of 106% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,442 per share. Annuncio • Feb 26
Fair Isaac Corporation (NYSE:FICO) announces an Equity Buyback for $1,500 million worth of its shares. Fair Isaac Corporation (NYSE:FICO) announces a share repurchase program. Under the program, the company will repurchase up to $1,500 million worth of its outstanding common stock. Annuncio • Feb 24
myFICO Launches New Mortgage Score Simulator to Help Consumers Prepare for Homeownership myFICO announced the launch of a new FICO®? Mortgage Score Simulator designed to help consumers better prepare their credit health before applying for a mortgage. Available to myFICO Premier subscribers, the new tool enables consumers to simulate how different credit actions could impact several of the FICO®? Score versions most widely used in U.S. mortgage lending. With home affordability top of mind for many consumers, the FICO®? Mortgage Score simulator provides myFICO customers greater transparency into how credit decisions may influence mortgage readiness tomorrow. Even small changes in a consumer's credit profile can meaningfully influence mortgage eligibility and the interest rate they may qualify for, potentially translating into significant savings over the life of a loan. Using the simulator, myFICO subscribers can explore how common credit actions may affect their FICO®? Scores, including: Paying all bills on time; Paying down credit card balances; Applying for new credit. This allows consumers to test scenarios and better understand the trade-offs of different financial decisions -- without impacting their actual credit scores. The FICO®? Mortgage Score Simulation builds on FICO's long-standing mission to help people better understand credit scores. With visibility into how actions can influence FICO®? Scores commonly used for mortgages, myFICO helps individuals understand their credit profile and prepare before applying for a loan. Better preparation can support stronger mortgage readiness and support affordability. Recent Insider Transactions Derivative • Feb 16
Independent Director notifies of intention to sell stock Joanna Rees-Gallanter intends to sell 358 shares in the next 90 days after lodging an Intent To Sell Form on the 13th of February. If the sale is conducted around the recent share price of US$1,360, it would amount to US$487k. Since March 2025, Joanna has owned 11.20k shares directly. Company insiders have collectively sold US$139m more than they bought, via options and on-market transactions in the last 12 months. Reported Earnings • Jan 29
First quarter 2026 earnings: EPS and revenues exceed analyst expectations First quarter 2026 results: EPS: US$6.68 (up from US$6.26 in 1Q 2025). Revenue: US$512.0m (up 16% from 1Q 2025). Net income: US$158.4m (up 3.8% from 1Q 2025). Profit margin: 31% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 4.7%. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Software industry in the US. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has increased by 30% per year, which means it is tracking significantly ahead of earnings growth. Annuncio • Jan 29
Fair Isaac Corporation Reiterates Earnings Guidance for the Fiscal Year 2026 Fair Isaac Corporation reiterated earnings guidance for the fiscal year 2026. For the year, the company expects revenues of $2.35 billion, GAAP net income of $795 million and GAAP earnings per share of $33.47. Annuncio • Jan 15
Fair Isaac Corporation to Report Q1, 2026 Results on Jan 28, 2026 Fair Isaac Corporation announced that they will report Q1, 2026 results at 4:00 PM, US Eastern Standard Time on Jan 28, 2026 Annuncio • Jan 12
Fair Isaac Corporation, Annual General Meeting, Mar 04, 2026 Fair Isaac Corporation, Annual General Meeting, Mar 04, 2026. Location: fair isaac corporation, 181 metro drive, california 95110., san jose United States Annuncio • Jan 07
FICO Achieves Massive Speedups in Optimization Using NVIDIA GPUs FICO announced that the latest release of its FICO®? Xpress Optimization suite includes the integration of NVIDIA CUDA-X libraries to help solve massive computational problems in a fraction of the time. FICO Xpress 9.8 features a GPU-accelerated implementation of the hybrid gradient algorithm, yielding up to 50x speedups. The hybrid gradient algorithm is useful for getting faster solutions to extremely large, dense problems -- those featuring tens or hundreds of millions of non-zeros in the problem matrix -- due to its lower memory overhead. NVIDIA CUDA-X is a suite of GPU-accelerated libraries and frameworks for building applications that deliver dramatically higher performance than CPU alternatives across data processing, AI, and high-performance computing. GPU acceleration for the hybrid gradient algorithm is a beta feature in FICO®? Xpress 9.8, which is available now. Any NVIDIA GPU with NVIDIA CUDA Compute Capability 7.5 or later is supported. The new GPU-accelerated algorithm is just one of a much broader set of optimization algorithms available to FICO®? Xpress users. FICO Xpress 9.'8 also features performance enhancements to the mixed-integer programming engine, making it 14% faster overall than last year and 24% faster on models that require at least 100 seconds; and to the global solver, which is now 68% faster overall and 5.3x faster for models that take at least 100s. Operations research professionals can learn more in the Optimization Community. FICO®? X press Optimization enables businesses to rapidly deploy advanced analytic models into end-user applications powered by robust and scalable optimization engines. Users formulate models in easy-to-understand terms to account for trade-offs and sensitivities, share results with peers, run what-if scenario analyses, and compare the impact of different strategies to optimize decision workflows. It includes FICO®? Xpress Solver, which contains the broadest set of optimization algorithms and technologies to solve linear, mixed integer, and nonlinear problems, helping users solve their most difficult and complex challenges. FICO offers a 60-day trial version of the FICO Xpress Optimization Suite. Recent Insider Transactions • Dec 21
Executive VP & CFO recently sold US$2.6m worth of stock On the 17th of December, Steven Weber sold around 1k shares on-market at roughly US$1,810 per share. This transaction amounted to 39% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Steven has been a net seller over the last 12 months, reducing personal holdings by US$6.1m. Recent Insider Transactions Derivative • Dec 12
President exercised options and sold US$31m worth of stock On the 10th of December, William Lansing exercised options to acquire 18k shares at no cost and sold these for an average price of US$1,752 per share. This trade did not impact their existing holding. For the year to September 2019, William's total compensation was 2% salary and 98% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2024, William's direct individual holding has increased from 373.79k shares to 381.95k. Company insiders have collectively sold US$155m more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions Derivative • Dec 03
Executive VP exercised options to buy US$6.9m worth of stock. On the 24th of November, Mark Scadina exercised options to buy 4k shares at a strike price of around US$185, costing a total of US$714k. This transaction amounted to 3.6% of their direct individual holding at the time of the trade. Since December 2024, Mark's direct individual holding has increased from 108.24k shares to 112.10k. Company insiders have collectively sold US$242m more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions Derivative • Dec 02
Executive VP exercised options to buy US$6.8m worth of stock. On the 24th of November, Mark Scadina exercised options to buy 4k shares at a strike price of around US$185, costing a total of US$714k. This transaction amounted to 3.6% of their direct individual holding at the time of the trade. Since December 2024, Mark's direct individual holding has increased from 108.24k shares to 112.10k. Company insiders have collectively sold US$241m more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions Derivative • Dec 01
Executive VP exercised options to buy US$7.0m worth of stock. On the 24th of November, Mark Scadina exercised options to buy 4k shares at a strike price of around US$185, costing a total of US$714k. This transaction amounted to 3.6% of their direct individual holding at the time of the trade. Since December 2024, Mark's direct individual holding has increased from 108.24k shares to 112.10k. Company insiders have collectively sold US$241m more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions Derivative • Nov 30
Executive VP exercised options to buy US$7.0m worth of stock. On the 24th of November, Mark Scadina exercised options to buy 4k shares at a strike price of around US$185, costing a total of US$714k. This transaction amounted to 3.6% of their direct individual holding at the time of the trade. Since December 2024, Mark's direct individual holding has increased from 108.24k shares to 112.10k. Company insiders have collectively sold US$241m more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions Derivative • Nov 11
President notifies of intention to sell stock William Lansing intends to sell 2k shares in the next 90 days after lodging an Intent To Sell Form on the 10th of November. If the sale is conducted around the recent share price of US$1,740, it would amount to US$4.2m. For the year to September 2019, William's total compensation was 2% salary and 98% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2024, William has owned 373.79k shares directly. Company insiders have collectively sold US$250m more than they bought, via options and on-market transactions in the last 12 months. Reported Earnings • Nov 06
Full year 2025 earnings: EPS exceeds analyst expectations Full year 2025 results: EPS: US$26.90 (up from US$20.78 in FY 2024). Revenue: US$1.99b (up 16% from FY 2024). Net income: US$651.9m (up 27% from FY 2024). Profit margin: 33% (up from 30% in FY 2024). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.6%. Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Software industry in the US. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has increased by 42% per year, which means it is tracking significantly ahead of earnings growth. Annuncio • Nov 06
Fair Isaac Corporation Provides Consolidated Earnings Guidance for the Fiscal Year 2026 Fair Isaac Corporation provided consolidated earnings guidance for the fiscal year 2026. For the year, the company expects revenues of $2.35 billion, GAAP net income of $795 million and GAAP diluted earnings per share of $33.47. Annuncio • Oct 23
Fair Isaac Corporation to Report Q4, 2025 Results on Nov 05, 2025 Fair Isaac Corporation announced that they will report Q4, 2025 results After-Market on Nov 05, 2025 Recent Insider Transactions Derivative • Oct 18
President exercised options and sold US$8.7m worth of stock On the 14th of October, William Lansing exercised 6k options at a strike price of around US$185 and sold these shares for an average price of US$1,635 per share. This trade did not impact their existing holding. For the year to September 2019, William's total compensation was 2% salary and 98% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2024, William has owned 373.79k shares directly. Company insiders have collectively sold US$274m more than they bought, via options and on-market transactions in the last 12 months. Annuncio • Oct 15
Fico Announces 10 New Patents, Advancing Leadership in Responsible Ai and Applied Intelligence FICO announced it has been awarded 10 new patents by the U.S. Patent and Tradark Office and Canadian Intellectual Property Office, reinforcing its position as a leader in Responsible AI innovation and in advancing the field of applied intelligence technology. These patents tackle critical industry challenges, including Responsible AI, bias detection, fraud prevention, and data privacy--directly enhancing the capabilities of FICO's market-leading AI solutions. FICO's expanding patent portfolio underscores the company's commitment to advancing Responsible AI and excellence in transaction analytics. To date, FICO's patent portfolio includes over 200 U.S. and international patents. These patents represent innovative technologies aimed at helping drive profitability, customer satisfaction, customer protection, and growth across industries such as financial services, telecommunications, healthcare, retail, transportation, supply chain, and more. The 10 newly granted patents cover diverse aspects of AI and analytics technology: Method for Real-Time Enhancement of a Predictive Algorithm by a Novel Measurement of Concept Drift Using Algorithmically-Generated Features - a real-time monitoring algorithm that identifies systematic changes in latency behaviors of machine learning models with comparison to specified behaviors in the development of these machine learning models. This is important technology for FICO's Responsible AI strategy and the FICO Falcon®? Fraud Manager offering. false Positive Reduction in Ab normality Detection System Models - reduces the fraud false-positive rate for normal transactions occurring at the same merchant and/or location where a consumer has transacted previously. This is an important part of FICO®? Falcon®? Fraud Manager and FICO®? Fraud Predictor with Merchant Profiles. Supervised Machine Learning-Based Modeling of Sensitivities to Potential Disruption - relates to developing and using machine learning in preparing and analyzing historical data used to generate models. Segmentation Using Zero Value Features in Machine Learning - addresses sparsity in production data where machine learning models treat missing data as segmentation to improve model accuracy for clients with missing data. Implemented in FICO®? Platform, this innovation significantly improves model accuracy and reduces false positive rates by recognizing that zero values are important predictive information. System and Method for Linearizing Messages from Data Sources - optimizes the processing of data streams through a sequence of specialized tasks, including unbundling, normalization, and validation. This innovation powers FICO®? Decision Management Platform Streaming, enabling real-time decision-making across millions of transactions. Rule Based Automation - enhances software verification outcomes through improved Behavior-Driven Development testing methodologies. This technology enables significant expansion of test coverage while minimizing maintenance requirements, ensuring the reliability of complex decision systems. Overly Optimistic Data patterns and learned Adversarial Latent Features - strengthens AI models against potential adversarial attacks by anticipating and mitigating vulnerabilities. The technology has been incorporated into FICO®? Falcon®®? Fraud Manager and Fico®? Fraud Manager with Merchant Profiles to enhance security and resilience. Relationship Retrieval of a Partitioned List of Records - covers methods for efficiently identifying and retaining relationships in partitioned records, supporting the capabilities of FICO®? Identity Resolution Engine. Its technology enhances entity resolution and relationship discovery in large, complex datasets. Its technology enhances entity resolution & relationship discovery in large, complex dataset. Buy Or Sell Opportunity • Oct 02
Now 33% overvalued Over the last 90 days, the stock has fallen 3.8% to US$1,785. The fair value is estimated to be US$1,342, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Earnings per share has grown by 20%. For the next 3 years, revenue is forecast to grow by 13% per annum. Earnings are also forecast to grow by 17% per annum over the same time period. Annuncio • Oct 02
FICO Launches Cost-Cutting Direct License Program for Mortgage Lending FICO announced a major shift in the delivery of FICO®? Scores to the mortgage industry. With the launch of the FICO®? Mortgage Direct License Program, tri-merge resellers have the option to calculate and distribute FICO Scores directly to their customers, eliminating reliance on the three nationwide credit bureaus. This shift will drive price transparency and immediate cost savings to mortgage lenders, mortgage brokers, and other industry participants. Firms that favor working through the credit bureaus can continue to do so. To increase choice and optionality for industry participants, FICO is introducing two alternate pricing models. FICO's new performance model is built on successful mortgage funding and reflects the FICO®? Score's critical role in enabling mortgage liquidity and reducing lender costs. Under the new performance model, the royalty fee for the FICO Score will be $4.95 per score, which represents a 50% reduction in average per score fees into the tri-merge resellers, a reduction achieved by eliminating credit bureau mark-ups. A funded loan fee of $33 per borrower per score will apply when a FICO-scored loan is closed, recognizing the FICO Score's downstream utility for mortgage insurers, GSEs, investors, rating agencies, and other market participants. The funded loan fee replaces fees previously charged for re-issue of FICO Scores, enabling broad use by participants in the originating market. This model is designed to represent no increase in per score fees for lenders. The FICO direct license program empowers tri-merge resellers to optimize credit costs for both lenders and borrowers. By streamlining distribution, the direct license program enhances cost transparency and reduces the price of FICO®? Scores To the mortgage industry. FICO will also offer both FICO mortgage score pricing models to the three nationwide credit bureus on the same terms, though FICO does not control any pricing mark-ups the bureaus may impose in their channels. FICO remains the only independent analytics provider and the only score with known, predictable performance through a complete economic cycle, including the stressed period of the Great Recession. The FICO®? Score continues to be the cornerstone of the consumer lending ecosystem, used by 90% of top U.S. lenders to make consistent, fair, and informed credit decisions. FICO's new program aligns with calls from policymakers and industry leaders to modernize credit infrastructure and promote affordability, liquidity, and access in the $12 trillionU.S. mortgage industry. FICO is currently working with mortgage tri-merge resellers To implement the new direct license program. Annuncio • Sep 23
FICO Announces New Unparalleled Domain-Specific FICO Foundation Model for Financial Services Product Offering FICO announced a new unparalleled domain-specific FICO Foundation Model for Financial Services (FICO FFM) product offering, consisting of FICO Focused Language Model for Financial Services (FICO FLM) and FICO Focused Sequence Model for Financial Services(FICO FSM), purpose-built to reduce hallucinations and achieve precise accuracy over conventional Generative AI (GenAI) models. The FICO FFM is designed with a precise, auditable focus on the data used to build and further task-train the model for each specific task or business problem. The model is architected for trusted, responsible use of GenAI. Unlike general-purpose LLMs trained on broad world knowledge and requiring massive compute power, FICO’s focused domain-specific models require up to 1,000x fewer resources—making them significantly more focused, cost-effective to train and maintain, auditable and adaptable. FICO’s models are custom-built, engineered in-house and are focused on curated data sets related to the domain of financial services. FICO FLM is built on domain-specific and task-specific contextual data, allowing the model to significantly reduce hallucinations given that the training data is directly relevant to the problem. These models are smaller, more accurate, and significantly lower in cost, driving a practical approach toward agentic AI. FLM models enhance performance, have a low barrier to entry, and streamline operations for financial institutions. FICO FSM is focused on leveraging long-range attention in transaction sequences, finding critical relationships in transaction histories typically not captured in traditional analytics systems. The model plays a crucial role in improving real-time detection accuracy across financial services transaction analytics, while capturing complex inter-relationship sequences in use cases like payment fraud, real-time risk assessment, next-best action, and more. The model empowers customers to uncover transactional behavior patterns that were previously impossible or too expensive to identify. FICO FLM and FICO FSM are built with both patented and patent-pending Trust Scores, providing a risk-ranking of the reliability of the output generated by these models. By using a Trust Score, organizations can set their own risk thresholds, reduce hallucinations, and operationalize model outputs with confidence. This framework empowers financial institutions to deploy GenAI responsibly, ensuring that all outputs align with business-defined knowledge anchors and have sufficient statistical support, enabling ongoing risk oversight and risk monitoring in GenAI decision-making. FICO has filed multiple patent applications on FICO FLM and FICO FSM core technology and specific use cases, including trust scoring frameworks, model training techniques, tracking content generated by language models, real-time monitoring, and transaction sequence modeling. These advancements underscore FICO’s innovation in Responsible AI and in the commitment to make GenAI usable, trustworthy, and impactful for the financial services industry. Recent Insider Transactions Derivative • Sep 12
President exercised options and sold US$8.1m worth of stock On the 9th of September, William Lansing exercised 6k options at a strike price of around US$185 and sold these shares for an average price of US$1,537 per share. This trade did not impact their existing holding. For the year to September 2018, William's total compensation was 2% salary and 98% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2024, William has owned 373.79k shares directly. Company insiders have collectively sold US$265m more than they bought, via options and on-market transactions in the last 12 months. Recent Insider Transactions Derivative • Aug 29
President notifies of intention to sell stock William Lansing intends to sell 18k shares in the next 90 days after lodging an Intent To Sell Form on the 28th of August. If the sale is conducted around the recent share price of US$1,419, it would amount to US$26m. For the year to September 2018, William's total compensation was 2% salary and 98% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2024, William has owned 373.79k shares directly. Company insiders have collectively sold US$255m more than they bought, via options and on-market transactions in the last 12 months. Price Target Changed • Aug 01
Price target decreased by 7.5% to US$1,936 Down from US$2,094, the current price target is an average from 19 analysts. New target price is 35% above last closing price of US$1,437. Stock is down 9.0% over the past year. The company is forecast to post earnings per share of US$26.30 for next year compared to US$20.78 last year. Reported Earnings • Jul 31
Third quarter 2025 earnings: EPS and revenues exceed analyst expectations Third quarter 2025 results: EPS: US$7.49 (up from US$5.12 in 3Q 2024). Revenue: US$536.4m (up 20% from 3Q 2024). Net income: US$181.8m (up 44% from 3Q 2024). Profit margin: 34% (up from 28% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 4.1%. Earnings per share (EPS) also surpassed analyst estimates by 14%. Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in the US. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has increased by 45% per year, which means it is tracking significantly ahead of earnings growth. Annuncio • Jul 31
Fair Isaac Corporation Revises Earnings Guidance for the Fiscal Year 2025 Fair Isaac Corporation revised earnings guidance for the fiscal year 2025. For the year, the company revised revenues of $1.98 billion, GAAP Net Income to be $630 billion compared to previous guidance of $624 billion, GAAP EPS to be $25.60 compared to previous guidance of $25.05. Annuncio • Jul 17
Fair Isaac Corporation to Report Q3, 2025 Results on Jul 30, 2025 Fair Isaac Corporation announced that they will report Q3, 2025 results After-Market on Jul 30, 2025 Valuation Update With 7 Day Price Move • Jul 11
Investor sentiment deteriorates as stock falls 17% After last week's 17% share price decline to US$1,544, the stock trades at a forward P/E ratio of 54x. Average forward P/E is 3x in the Software industry in the US. Total returns to shareholders of 261% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,664 per share. Recent Insider Transactions Derivative • Jul 10
President of Software exercised options and sold US$228k worth of stock On the 5th of July, Nikhil Behl exercised options to acquire 123 shares at no cost and sold these for an average price of US$1,855 per share. This trade did not impact their existing holding. Since December 2024, Nikhil's direct individual holding has increased from 12.87k shares to 15.47k. Company insiders have collectively sold US$267m more than they bought, via options and on-market transactions in the last 12 months. Annuncio • Jun 24
FICO Unveils Credit Scores That Incorporate Buy Now, Pay Later Data FICO announced the launch of FICO®? Score 10 BNPL and FICO®? Score 10 T BNPL, the first credit scores from a leading credit scoring provider to incorporate Buy Now, Pay Later (BNPL) data. These innovative scores, developed by FICO from data-driven research, represent a significant advancement in credit scoring, accounting for the growing importance of BNPL loans in the U.S. credit ecosystem. As key additions to the FICO Score 10 Suite, the BNPL versions of FICO®? Score10 are poised to further enhance financial inclusion by applying FICO's innovative approach to incorporating BNPL data along with mainstream credit reports. These scores provide lenders with greater visibility into consumers' repayment behaviors, enabling a more comprehensive view of their credit readiness which ultimately improves the lending experience. FICO Score®? 10 BNPL and Fico Score 10 T BNPL were developed to harness the benefits offered by the incorporation of consumers' BNPL data into calculation. FICO's year-long joint study on BNPL data confirmed that a unique consumer behavior associated with BNPL loans is the potential for a large number of these loans to be opened within a short period of time. To address this, FICO developed an innovative approach that includes aggregating separate BNPL loans together when calculating certain in-model variables. This novel treatment has proven effective at capturing predictive signal from the inclusion of BNPL data while increasing FICO Scores for some BNPL borrowers. In developing these new scores, FICO sought input from many of the larger lenders in the U.S., who recognized the need for a modern scoring model that includes BNPL data. Across this group, there was broad consensus: integrating BNPL data into credit scoring is a critical advancement that allows lenders to make more informed, accurate decisions while responsibly expanding credit access. FICO®? Score 10BNPL and FICO®®? Score 10 T B NPL is expected to be available in the Fall of 2025. Annuncio • Jun 20
Fair Isaac Corporation (NYSE:FICO) announces an Equity Buyback for $1,000 million worth of its shares. Fair Isaac Corporation (NYSE:FICO) announces a share repurchase program. Under the open-ended program, the company will repurchase up to $1,000 million worth of its outstanding common stock. Buy Or Sell Opportunity • Jun 16
Now 20% overvalued The stock has been flat over the last 90 days, currently trading at US$1,814. The fair value is estimated to be US$1,507, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 17%. For the next 3 years, revenue is forecast to grow by 14% per annum. Earnings are also forecast to grow by 18% per annum over the same time period. Recent Insider Transactions • Jun 13
Executive VP & CFO recently sold US$3.5m worth of stock On the 9th of June, Steven Weber sold around 2k shares on-market at roughly US$1,738 per share. This transaction amounted to 52% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Steven has been a net seller over the last 12 months, reducing personal holdings by US$6.6m. Recent Insider Transactions Derivative • May 29
President of Software exercised options and sold US$1.7m worth of stock On the 23rd of May, Nikhil Behl exercised options to acquire 1k shares at no cost and sold these for an average price of US$1,694 per share. This trade did not impact their existing holding. Since December 2024, Nikhil has owned 12.87k shares directly. Company insiders have collectively sold US$279m more than they bought, via options and on-market transactions in the last 12 months. Valuation Update With 7 Day Price Move • May 21
Investor sentiment deteriorates as stock falls 20% After last week's 20% share price decline to US$1,708, the stock trades at a forward P/E ratio of 59x. Average forward P/E is 8x in the Software industry in the US. Total returns to shareholders of 329% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$1,589 per share. 
