VCP Scanner
Stock Screener
Filter stocks with fundamental & technical criteria
Technical Scanner
RSI, Moving averages & volume momentum signals
Market Themes
Curated industry baskets & thematic leaders
Earnings Hub
Calendar, EPS surprise stats & earnings transcripts
Market News
Real-time market intelligence & AI overviews
Insider Buying
SEC Form 4 corporate insider purchases
Minervini — VCPContraction bases in Stage 2 uptrends
Minervini — Trend TemplateFull 8-rule Stage 2 screen
O'Neil — Cup with HandleBase breakouts with RS leadership
O'Neil — CANSLIM LeadersGrowth leaders with RS ≥ 85
Qullamaggie — High Tight FlagsPower plays after a large advance
Qullamaggie — Momentum Leaders1/3/6-month strength leaders
Livermore — Pivotal PointsMulti-touch resistance breakouts
View All Playbooks...
Breakouts
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Index & ETFs
SPY vs QQQVTI vs VOOSPY vs IWM
Compare Any Stocks...
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
VisualizeInteractive multi-year financial charts
Watchlist
Breakouts
WatchlistPricing
Ctrl K
Pricing
FICO
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Analyze deeply. Research with clarity.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • Pricing
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly market insights — free

© 2026 VCP Scanner
AboutPrivacyTermsRefund Policy
Not financial advice. Do your own research.
ScreenerBreakoutsCompareWatchlist
FICOFair Isaac Corporation
$914.48$19.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
FICO logo

Fair Isaac Corporation

FICO
NYSE · Application Software
$914.48
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$19.75B
P/E34.5x
52W High$1998.01
Volume340.41K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Accelerating Revenue Growth Masks Leverage-Fueled Negative Equity

FICO's core scoring franchise is delivering exceptional operating performance, with revenue growth accelerating to 25.7% year-over-year in 2026Q3 and gross margins expanding to 87.1%, reflecting durable pricing power and an asset-light model. The company's cas...

GrowthAccelerating
ProfitabilityStrong
ValuationReview
TechnicalsWeak
Explore valuation models
MARKET ACTION

FICO price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

+15% Peers

P/E is 15% above peer median

03

Market leadership

RS 17 · Lag

Laggard (Underperforming 83% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 29
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue growth accelerated to 25.7% year-over-year in 2026Q3, with gross margin expanding to 87.1% and operating margin reaching 53.8%, demonstrating significant operating leverage.

Analyst Consensus+75.0% target
Buy(20 analysts)
16 Buy4 Hold0 Sell

The Bull Case

Upside Catalysts

Dominant credit scoring moat

Fair Isaac Corporation has a strong competitive advantage in credit scoring, which is reinforced by regulatory entrenchment and high barriers to entry.

Strong pricing power

The company's ability to maintain and increase prices without losing customers highlights its strong market position and value proposition.

Asset-light business model

FICO's asset-light model allows for high scalability and profitability with minimal capital expenditures.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FICO-44.35%
S&P 500 (^GSPC)+13.20%
1-Year Return
FICO-40.58%
S&P 500 (^GSPC)+15.98%
3-Year Return
FICO+2.81%
S&P 500 (^GSPC)+78.11%
5-Year Return
FICO+118.80%
S&P 500 (^GSPC)+75.44%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
33.1x
Forward P/EExpansion
20.5x
EV/EBITDA20th %ile
23.3x
FCF YieldCash Flow
4.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
33.1x
51.3x
40th· Fair
EV/EBITDA
23.3x
36.2x
20th· Low
Price/FCF
24.7x
47.4x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$735.53-19.6%
Base (Fair)$1353.82+42.6%
Bull$2132.16+133.2%
$735.53 Bear$1353.82 Base$2132.16 Bull
Current Market Price: $914.48
Trades at a 32.5% discount to Base DCF ($1353.82)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.99B+15.9% YoY
Net income
$652M+27.1% YoY
Free cash flow
$770M+26.7% YoY
Operating margin
46.5%+3.7 pts YoY
ROIC (TTM)59.7%
Avg ROIC 5Y-
ROE (TTM)-
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (67%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 29, 2026
$12.18+3.6%
vs $11.76
$674M-0.7%
vs $679M
Q2 2026
Apr 28, 2026
$12.50+14.8%
vs $10.89
$692M+9.8%
vs $630M
Q1 2026
Jan 28, 2026
$7.33+3.5%
vs $7.08
$512M+2.1%
vs $501M
Q4 2025
Nov 5, 2025
$7.74+5.7%
vs $7.32
$516M+0.5%
vs $513M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·3d ago
UK Consumers Rein In Credit Card Spending in July but Balances Hit Record High for Second Month

LONDON--(BUSINESS WIRE)--After an increase in spending on credit cards in June, data analysis by global analytics software leader FICO (NYSE: FICO) shows a drop in July. However, despite lower spending, the average active balance climbed to a new record high for the second consecutive month. With payment rates displaying a modest month-on-month recovery but remaining below last year's levels, and late payments continuing to deteriorate year-on-year, risk teams will need to retain heightened mon.

GuruFocus·3d ago
UK Consumers Rein In Credit Card Spending in July but Balances Hit Record High for Second Month

After an increase in spending on credit cards in June, data analysis by global analytics software leader [url="]FICO [/url](NYSE: FICO) shows a drop in July. Ho

Defense World·6d ago
Fair Isaac Corporation $FICO Position Reduced by Corient Private Wealth LP

Corient Private Wealth LP trimmed its position in Fair Isaac Corporation (NYSE: FICO) by 11.9% in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned 5,973 shares of the technology company's stock after selling 804 shares during the

GuruFocus·Sep 15, 2026
FICO European Fraud Map: UK Resilient as Other European Countries See Losses Climb by up to 21%

The 2025 European Fraud Map from global analytics software leader [url="]FICO[/url] (NYSE: FICO) shows that the UK financial services sector is making good stri

Filtered for Fair Isaac CorporationMore Headlines
04

Compare before deciding

Benchmark FICO against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Fair Isaac Corporation (FICO)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FICO logoFICOFair Isaac CorporationCurrent
$914.48$19.75B34.4615.91%32.75%——
VRSK logoVRSKVerisk Analytics, Inc.
$171.94$22.38B26.496.63%28.24%——
MSCI logoMSCIMSCI Inc.
$548.88$39.9B35.289.51%40.74%——
MCO logoMCOMoody's Corporation
$469.24$81.27B34.339.37%34.25%76.44%—
SPGI logoSPGIS&P Global Inc.
$402.44$118.64B27.458.18%30.53%13.43%—
EFX logoEFXEquifax Inc.
$159.78$18.77B30.036.92%10.73%14.59%—

Compare FICO vs Peers

Fair Isaac Corporation (FICO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs VRSK

Most directly comparable listed peer for FICO.

Scale Benchmark

vs JPM

Larger-name benchmark to compare FICO against a more recognizable public peer.

Peer Set

Compare Top 5

vs VRSK, MSCI, MCO, SPGI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FICO SEC Filings & Documents

Fair Isaac Corporation (FICO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 29, 2026·SEC

Material company update

Jun 8, 2026·SEC

Material company update

Apr 28, 2026·SEC

10-K Annual Reports

3
FY 2025

Nov 7, 2025·SEC

FY 2024

Nov 6, 2024·SEC

FY 2023

Nov 8, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

Jul 29, 2026·SEC

FY 2026

Apr 28, 2026·SEC

FY 2026

Jan 28, 2026·SEC

Get notified when FICO posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

FICO Frequently Asked Questions

Fair Isaac Corporation (FICO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Fair Isaac Corporation's revenue?

Fair Isaac Corporation (FICO) reported $2.39B in revenue for fiscal year 2025. This represents a 1510% increase from $148.7M in 1996.

How fast is Fair Isaac Corporation growing?

Fair Isaac Corporation (FICO) grew revenue by 15.9% over the past year. This is strong growth.

Is FICO profitable?

Yes, Fair Isaac Corporation (FICO) is profitable, generating $815.0M in net income for fiscal year 2025 (32.7% net margin).

Dividend & Returns
What is Fair Isaac Corporation's free cash flow?

Fair Isaac Corporation (FICO) generated $996.0M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in FICO back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →