Fair Isaac Corporation

NYSE:FICO Stok Raporu

Piyasa değeri: US$20.5b

Fair Isaac Geçmiş Kazanç Performansı

Geçmiş kriter kontrolleri 5/6

Fair Isaac yıllık ortalama 15.9% oranında kazançlarını artırırken, Software sektöründe kazançlar growing at 30.7% annual. Gelirler yılda ortalama 11.9% oranında büyüyor .

Anahtar bilgiler

15.91%

Kazanç büyüme oranı

19.41%

EPS büyüme oranı

Software Sektör Büyümesi17.33%
Gelir büyüme oranı11.87%
Özkaynak getirisin/a
Net Marj34.05%
Son Kazanç Güncellemesi30 Jun 2026

Yakın geçmiş performans güncellemeleri

Recent updates

Anlatı Güncellemesi • Sep 17

FICO: Mortgage Scoring Shakeup Will Ultimately Support Future Upside Potential

Analysts have trimmed the Fair Isaac price target in response to increased competitive and regulatory scrutiny in mortgage scoring and modestly lower fair value and margin assumptions, even as they still see support from the Direct Licensing Program and broader credit bureau clarity. Analyst Commentary Recent research on Fair Isaac highlights a mixed but detailed picture.
Anlatı Güncellemesi • Sep 03

FICO: Future Pricing Power Will Support Margins Despite Competitive Pressures

Fair Isaac's updated analyst price target has been reduced from $2,172.31 to $1,750.00, as analysts factor in expectations for softer revenue growth and profit margins, a lower future P/E multiple, and competitive and regulatory pressures highlighted in recent research. Analyst Commentary Recent Street research on Fair Isaac shows a mixed tone, but there are still clear areas of confidence that matter for you as an investor.
Seeking Alpha • Aug 30

Fair Isaac: Mortgage Pricing Is Doing The Work

Summary Fair Isaac Corporation has fallen over 40% from its high, now trading at 27x 2026 earnings, yet remains expensive given concentrated growth risks. Nearly all recent revenue growth came from mortgage origination pricing, making FICO’s earnings highly sensitive to this single driver and vulnerable to competition and regulatory scrutiny. VantageScore’s entry and pending direct licensing introduce uncertainty; Software segment growth and diversification have yet to offset mortgage concentration risks. I maintain a Hold rating, awaiting broader earnings growth, clarity on VantageScore’s impact, and successful direct licensing implementation before considering a more constructive stance. Read the full article on Seeking Alpha
Anlatı Güncellemesi • Aug 14

FICO: Mortgage And Regulatory Headwinds Will Pressure Future Pricing Power

Analysts have trimmed their price targets on Fair Isaac, and the updated fair value estimate has shifted from about $897 to roughly $1,005 as they factor in slightly higher discount rates, more conservative revenue growth and profit margin assumptions, and modestly lower future P/E expectations. Analyst Commentary Recent Street research on Fair Isaac points to a more cautious tone, even as many firms still highlight longer term opportunities tied to pricing power, software growth and potential catalysts around the 10T score and direct licensing program.
Anlatı Güncellemesi • Jul 30

FICO: Mortgage Score Headwinds Will Ultimately Support Future Upside Potential

Analysts have trimmed the Fair Isaac price target by about $40 to roughly $1,512, as they factor in softer mortgage score trends, pending Direct Licensing Program approvals, and a lower assumed future P/E multiple. Analyst Commentary Recent Street research on Fair Isaac highlights a split view on the stock, with some bullish analysts focusing on execution in software and earnings delivery, while more cautious analysts focus on mortgage credit trends, valuation, and regulatory timing for key programs.
Anlatı Güncellemesi • Jul 14

FICO: Regulatory And Mortgage Score Pressures Will Undercut Future Pricing Power

Analysts have nudged their Fair Isaac valuation higher, with the updated price target implying fair value moving from about $874 to roughly $897, reflecting recent Street research that cited stronger expected software revenue and adjusted earnings. Analyst Commentary Recent Street research on Fair Isaac shows a mix of optimism and caution, with some firms lifting price targets and earnings assumptions while others trim their valuation marks following earnings updates.
Anlatı Güncellemesi • Jun 22

FICO: Capital Returns And Margin Strength Will Support Premium Multiples

Fair Isaac's updated analyst price target has been revised lower to about $2,172 from $2,500. This reflects a mix of reduced revenue growth assumptions, a slightly higher discount rate, and a lower future P/E multiple, partly offset by analyst expectations for higher profit margins and a series of recent Street price target changes across major firms.
Analiz Makalesi • Jun 17

Fair Isaac (FICO) Stock Could Be 23.6% Undervalued Despite This Year’s 27.8% Slide

Fair Isaac (FICO) stock has drawn fresh attention after recent trading left it with a year-to-date decline of 27.8%, in contrast with a gain of 7.98% over the past month. See our latest analysis for Fair Isaac. At a share price of $1,186.24, Fair Isaac stock is coming off a year-to-date share price decline of 27.8%, while its 1 year total shareholder return is down 33.2%. However, the 3 year and 5 year total shareholder returns of 49.1% and 134.4% indicate that long term holders have still...
Anlatı Güncellemesi • Jun 05

FICO: Cut-Rate Mortgage Scores Will Erode Future Pricing Power

Analysts have trimmed their price targets on Fair Isaac by around $100 to $350 per share in recent weeks, and the updated model reflects this shift with a slightly lower fair value estimate of $874.47 as higher discount rate assumptions offset modestly stronger revenue growth and profit margin inputs. Analyst Commentary Recent Street research on Fair Isaac has tilted more cautious, with several firms cutting price targets across the business and information services peer group after earnings updates and sector news.
Anlatı Güncellemesi • May 22

FICO: Mortgage Pricing Pressure Will Ultimately Support Future Upside Potential

Analysts have trimmed Fair Isaac's implied fair value from about $1,728 to roughly $1,553. This reflects a cluster of reduced Street price targets as they factor in slightly lower revenue growth assumptions, a modestly higher discount rate and a lower future P/E multiple, partly offset by a small uplift in projected profit margins.
Anlatı Güncellemesi • May 01

FICO: Cheaper Rival Credit Scores Will Pressure Future Mortgage Pricing Power

Analysts have reduced Fair Isaac's average price target by roughly $230 to about $890, reflecting updated assumptions for slightly lower revenue growth, slimmer profit margins and a more conservative future P/E multiple, despite mixed recent price target moves across the Street. Analyst Commentary Recent Street research on Fair Isaac has tilted more cautious, with a series of price target cuts clustering over a relatively short period.
Analiz Makalesi • May 01

Results: Fair Isaac Corporation Exceeded Expectations And The Consensus Has Updated Its Estimates

A week ago, Fair Isaac Corporation ( NYSE:FICO ) came out with a strong set of second-quarter numbers that could...
Anlatı Güncellemesi • Apr 15

FICO: Competitive Mortgage Pricing Shifts Are Expected To Create Future Upside Opportunity

Analysts have reduced their implied price target on Fair Isaac from about $1,971 to roughly $1,728. This reflects updated views on competitive pressure from lower priced VantageScore offerings, modest adjustments to long term profit expectations, and slightly lower assumed future P/E multiples.
Anlatı Güncellemesi • Apr 01

FICO: Mortgage License Push Will Face Cheaper Score Rivals And Buyback Support

Analysts have reduced Fair Isaac's implied value from about $1,490 to roughly $1,120 per share. This reflects lower Street price targets in response to new competitive pressure from low-priced VantageScore offerings and recent research caution on FICO's mortgage and pricing outlook.
Anlatı Güncellemesi • Mar 18

FICO: Capital Returns Will Offset Mortgage Pricing Pressure Over Time

Analyst price targets for Fair Isaac have been revised lower, with several firms cutting targets in a range from about $2,500 to $1,350 as they weigh potential competitive pressure from lower priced VantageScore offerings, differing views on regulatory risk, and the impact of the company's recent $1b debt raise on shareholder returns. Analyst Commentary Recent research on Fair Isaac highlights a split tape of opinion, with some firms cutting price targets while others point to potential upside drivers around capital returns, competitive positioning, and long term growth in information and business services.
Anlatı Güncellemesi • Mar 04

FICO: Regulatory Overhang Is Expected To Create Future Upside Opportunity

Our updated analyst price target for Fair Isaac shifts to $1,971 from $2,023, reflecting refreshed views on revenue growth, profitability, and future P/E assumptions that have been influenced by recent Street research taking a generally constructive stance on the broader information and business services group. Analyst Commentary Recent Street research on Fair Isaac clusters around valuation reset, regulatory watchpoints, and how the company can execute against growth expectations implied by current multiples.
Anlatı Güncellemesi • Feb 17

FICO: Mortgage Competition Will Reinforce Core Credit Scoring Franchise

Analysts have modestly fine tuned their Fair Isaac price targets, incorporating updated assumptions around revenue growth, profit margins and future P/E multiples into a refreshed model that reflects recent Street research on the name. Analyst Commentary Bullish analysts are highlighting Fair Isaac as a key name within the broader Information and Business Services group, with fresh coverage and revised targets reflecting confidence in the company’s ability to execute on its business model.
Anlatı Güncellemesi • Feb 03

FICO: Mortgage Scoring Review Will Reinforce Core Franchise Strength

Analysts kept their Fair Isaac fair value estimate steady at $2,500.00, but modest tweaks to revenue growth, profit margin, discount rate and future P/E inputs reflect mixed recent research. Some firms raised price targets on optimism around FICO 10T and long term adoption, while others trimmed targets following a softer software quarter and more cautious management guidance.
Anlatı Güncellemesi • Jan 20

FICO: Core Credit Franchise Will Withstand New Mortgage Scoring Competition

Analysts have adjusted the Fair Isaac price target to about US$2,500, reflecting updated assumptions for faster revenue growth, stronger profit margins, a higher discount rate, and a lower future P/E multiple, supported by recent research that highlights both the potential benefit of FICO 10T and mixed reactions to the company’s fiscal 2026 outlook. Analyst Commentary Recent Street research on Fair Isaac highlights a mix of optimism on the core franchise and caution around the fiscal 2026 outlook.
Anlatı Güncellemesi • Jan 06

FICO: Mortgage Credit Score Changes Will Support Future Share Gains

Analysts have trimmed their fair value estimate for Fair Isaac by about US$8.60 to reflect slightly lower revenue growth assumptions and a modestly higher discount rate, while still highlighting FICO 10T and ongoing credit score adoption as key supports for the updated price targets. Analyst Commentary Recent Street research on Fair Isaac presents a mixed picture, with several firms highlighting growth drivers tied to FICO 10T and long term revenue potential, while others flag valuation and regulatory risks that could limit upside from current levels.
Anlatı Güncellemesi • Dec 15

FICO: Rising Mortgage License Ambitions Will Likely Struggle Against Intensifying Score Competition

Analysts have nudged our Fair Isaac fair value estimate higher from $1,364 to about $1,490. This reflects slightly faster expected revenue growth, modestly lower future valuation multiples, and the view that initiatives like FICO 10T and the mortgage direct license program will reinforce the company’s dominant, high margin scoring franchise despite near term guidance uncertainty.
Anlatı Güncellemesi • Nov 30

FICO: Upcoming Mortgage Program Will Strengthen Share Amid Credit Score Shakeup

Analysts have modestly raised their fair value estimate for Fair Isaac to $2,031.78, citing recent updates in price targets and improved outlooks based on stronger revenue growth, profit margin expansion, and continued positive sentiment around the company's new products and fiscal performance. Analyst Commentary Analysts have recently weighed in on Fair Isaac's outlook, highlighting both promising growth factors and areas warranting caution.
Anlatı Güncellemesi • Nov 16

FICO: Recent License Program Will Drive Incremental Revenue Growth Opportunities

Fair Isaac's analyst price target has seen a modest decrease, as updated guidance and a slightly lower projected profit margin have led analysts to trim fair value estimates by less than $1 to $2,016. This adjustment is due to more conservative forecasts and ongoing uncertainty in the mortgage sector.
Anlatı Güncellemesi • Oct 31

FICO: New Mortgage Direct License Program Will Drive Market Leadership

Analysts have raised their price target for Fair Isaac to $2,400 from $2,000. They cited stronger-than-expected revenue growth and optimism about the company’s new mortgage direct license program.
Anlatı Güncellemesi • Oct 17

Global Cloud Migration And International Partnerships Will Transform Financial Services

Analysts have increased their fair value estimate for Fair Isaac from $1,913 to $2,017, citing stronger revenue growth and improved profit outlook following recent updates to the company’s business model. Analyst Commentary Recent research coverage of Fair Isaac has produced a mix of bullish and bearish views, as analysts assess the impact of the company's updated business model and Mortgage Direct License Program on its growth trajectory and competitive positioning.
Anlatı Güncellemesi • Oct 03

Global Cloud Migration And International Partnerships Will Transform Financial Services

Fair Isaac's analyst price target has risen from $1,874.70 to $1,913.47. This change reflects improved views on its mortgage licensing business, sustained market leadership, and incremental increases to revenue growth and profit margin expectations, according to analysts.
Anlatı Güncellemesi • Sep 02

Global Cloud Migration And International Partnerships Will Transform Financial Services

The consensus price target for Fair Isaac decreased to $1,872 as analysts weighed increased regulatory uncertainty and competitive threats from the FHFA’s move to include VantageScore 4.0, though resilient EPS estimates and a robust business model remain supportive of fair value. Analyst Commentary Bearish analysts lowered price targets due to the Federal Housing Finance Agency's decision to allow Fannie Mae and Freddie Mac to use VantageScore 4.0, raising concerns about increased competition and potential erosion of FICO's monopoly.

Gelir ve Gider Dağılımı

Fair Isaac nasıl para kazanır ve harcar. LTM bazında en son bildirilen kazançlara dayanmaktadır.

Kazanç ve Gelir Geçmişi

NYSE:FICO Gelir, gider ve kazançlar (USD Millions )
TarihGelirKazançlarG+A GiderleriAr-Ge Giderleri
30 Jun 262,394815581208
31 Mar 262,256760549202
31 Dec 252,063658526193
30 Sep 251,991652513188
30 Jun 251,929633510182
31 Mar 251,840577496179
31 Dec 241,775544486174
30 Sep 241,718513463172
30 Jun 241,653479439169
31 Mar 241,604481423167
31 Dec 231,551453412166
30 Sep 231,514429401160
30 Jun 231,473419397154
31 Mar 231,423383383148
31 Dec 221,400386379144
30 Sep 221,377374384147
30 Jun 221,363369385152
31 Mar 221,352426400162
31 Dec 211,326391400170
30 Sep 211,317392396171
30 Jun 211,356365405177
31 Mar 211,332278397172
31 Dec 201,308268403168
30 Sep 201,295236421166
30 Jun 201,226232421159
31 Mar 201,226232424155
31 Dec 191,196207426153
30 Sep 191,160192414149
30 Jun 191,111170401144
31 Mar 191,052136396140
31 Dec 181,030134387135
30 Sep 181,000126377128
30 Jun 18997134368124
31 Mar 18973129355120
31 Dec 17945123345114
30 Sep 17935133337111
30 Jun 17915120341108
31 Mar 17923130344107
31 Dec 16901128335105
30 Sep 16881109329104
30 Jun 16878111322102
31 Mar 1684996310101
31 Dec 1584991306101
30 Sep 158398730099

Kaliteli Kazançlar: FICO yüksek kaliteli kazançlar sağlıyor.

Büyüyen Kar Marjı: FICO 'nin mevcut net kar marjları (34.1%) geçen yılın (32.8%) sinden daha yüksektir.

Serbest Nakit Akışı ve Kazanç Analizi

Geçmiş Kazanç Büyüme Analizi

Kazanç Eğilimi: FICO şirketinin kazancı son 5 yılda yılda 15.9% oranında arttı.

Büyüme Hızlandırma: FICO 'un son bir yıldaki kazanç büyümesi ( 28.8% ) 5 yıllık ortalamasını (yıllık 15.9% ) aşıyor.

Kazançlar vs. Sektör: FICO geçen yılki kazanç büyümesi ( 28.8% ) Software sektörünün 27.2% değerini aştı.

Özkaynak Getirisi

Yüksek ROE: FICO 'un yükümlülükleri varlıklarından fazla olduğundan Özsermaye Getirisi'ni hesaplamak zordur.

Varlık Getirisi

Kullanılan Sermaye Getirisi

Geçmişte güçlü performans gösteren şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/09/20 06:40
Gün Sonu Hisse Fiyatı2026/09/18 00:00
Kazançlar2026/06/30
Yıllık Kazançlar2025/09/30

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına Github sayfamızdan ulaşabilirsiniz; ayrıca raporlarımızı nasıl kullanacağınıza dair kılavuzlarımız ve YouTube’da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

Fair Isaac Corporation 34 Bu analistlerden 20, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

AnalistKurum
Jeffrey MeulerBaird
Manav PatnaikBarclays
Jeffrey SilberBMO Capital Markets Equity Research