Fair Isaac Corporation

NYSE:FICO Stock Report

Market Cap: US$45.6b

Fair Isaac Valuation

Is FICO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FICO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$1.58k
Fair Value
18.3% overvalued intrinsic discount
18
Number of Analysts

Below Fair Value: FICO ($1873.56) is trading above our estimate of fair value ($1584)

Significantly Below Fair Value: FICO is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FICO?

Key metric: As FICO is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for FICO. This is calculated by dividing FICO's market cap by their current earnings.
What is FICO's PE Ratio?
PE Ratio89.3x
EarningsUS$512.81m
Market CapUS$45.62b

Price to Earnings Ratio vs Peers

How does FICO's PE Ratio compare to its peers?

The above table shows the PE ratio for FICO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average66x
ROP Roper Technologies
39.8x8.2%US$61.2b
ANSS ANSYS
54x13.3%US$30.7b
ADSK Autodesk
61.3x13.8%US$66.6b
TYL Tyler Technologies
108.8x15.8%US$25.6b
FICO Fair Isaac
89.3x18.6%US$45.6b

Price-To-Earnings vs Peers: FICO is expensive based on its Price-To-Earnings Ratio (89.3x) compared to the peer average (66x).

Price to Earnings Ratio vs Industry

How does FICO's PE Ratio compare vs other companies in the US Software Industry?

10 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YXT YXT.COM Group Holding
1.4xn/aUS$99.73m
NISN Nisun International Enterprise Development Group
1.6xn/aUS$29.24m
NXTT Next Technology Holding
0.4xn/aUS$9.56m
ULY Urgent.ly
0.07x-13.0%US$6.61m
FICO 89.3xIndustry Avg. 41.2xNo. of Companies12PE020406080100+
10 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FICO is expensive based on its Price-To-Earnings Ratio (89.3x) compared to the US Software industry average (41.2x).

Price to Earnings Ratio vs Fair Ratio

What is FICO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FICO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio89.3x
Fair PE Ratio44.6x

Price-To-Earnings vs Fair Ratio: FICO is expensive based on its Price-To-Earnings Ratio (89.3x) compared to the estimated Fair Price-To-Earnings Ratio (44.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FICO forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$1,873.56
US$2,145.80
+14.5%
18.0%US$2,661.00US$1,194.00n/a18
Jan ’26US$1,990.93
US$2,187.30
+9.9%
18.1%US$2,661.00US$1,194.00n/a18
Dec ’25US$2,375.03
US$2,101.33
-11.5%
18.7%US$2,500.00US$1,194.00n/a17
Nov ’25US$1,988.91
US$1,898.12
-4.6%
17.9%US$2,350.00US$1,126.00n/a17
Oct ’25US$1,915.69
US$1,738.24
-9.3%
18.6%US$2,200.00US$1,010.00n/a17
Sep ’25US$1,730.27
US$1,653.47
-4.4%
17.0%US$2,100.00US$1,010.00n/a15
Aug ’25US$1,578.95
US$1,529.09
-3.2%
19.6%US$1,900.00US$940.00n/a14
Jul ’25US$1,496.51
US$1,340.87
-10.4%
13.9%US$1,517.00US$940.00n/a13
Jun ’25US$1,289.93
US$1,320.70
+2.4%
13.8%US$1,502.00US$940.00n/a13
May ’25US$1,140.73
US$1,316.08
+15.4%
13.6%US$1,500.00US$940.00n/a13
Apr ’25US$1,254.37
US$1,319.34
+5.2%
14.1%US$1,500.00US$891.00n/a12
Mar ’25US$1,295.20
US$1,318.62
+1.8%
14.0%US$1,500.00US$891.00n/a13
Feb ’25US$1,243.17
US$1,297.77
+4.4%
15.9%US$1,500.00US$810.00US$1,873.5613
Jan ’25US$1,164.01
US$1,072.21
-7.9%
18.1%US$1,350.00US$725.00US$1,990.9313
Dec ’24US$1,127.71
US$1,041.33
-7.7%
16.7%US$1,320.00US$725.00US$2,375.0312
Nov ’24US$870.99
US$930.00
+6.8%
12.5%US$1,100.00US$710.00US$1,988.9111
Oct ’24US$868.53
US$911.82
+5.0%
13.6%US$1,100.00US$660.00US$1,915.6911
Sep ’24US$896.56
US$921.56
+2.8%
12.8%US$1,100.00US$660.00US$1,730.279
Aug ’24US$829.69
US$855.00
+3.1%
12.1%US$950.00US$660.00US$1,578.959
Jul ’24US$809.21
US$819.33
+1.3%
12.4%US$940.00US$660.00US$1,496.519
Jun ’24US$793.24
US$789.22
-0.5%
10.7%US$920.00US$660.00US$1,289.939
May ’24US$745.99
US$766.63
+2.8%
6.9%US$844.00US$685.00US$1,140.738
Apr ’24US$702.69
US$727.43
+3.5%
6.8%US$807.00US$655.00US$1,254.377
Mar ’24US$682.79
US$727.43
+6.5%
6.8%US$807.00US$655.00US$1,295.207
Feb ’24US$682.68
US$727.43
+6.6%
6.8%US$807.00US$655.00US$1,243.177
Analyst Price Target
Consensus Narrative from 18 Analysts
US$2.15k
Fair Value
12.7% undervalued intrinsic discount
18
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/31 23:08
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Fair Isaac Corporation is covered by 27 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jeffrey MeulerBaird
Manav PatnaikBarclays
Walter Brooks IdletCFRA Equity Research