Fair Isaac Corporation (FICO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Fair Isaac Corporation stock (FICO) is currently trading at $1043.10. Fair Isaac Corporation PE ratio is 36.84. Fair Isaac Corporation PS ratio (Price-to-Sales) is 11.44. Analyst consensus price target for FICO is $1872.18. WallStSmart rates FICO as Moderate Buy.
- FICO PE ratio analysis and historical PE chart
- FICO PS ratio (Price-to-Sales) history and trend
- FICO intrinsic value — DCF, Graham Number, EPV models
- FICO stock price prediction 2025 2026 2027 2028 2029 2030
- FICO fair value vs current price
- FICO insider transactions and insider buying
- Is FICO undervalued or overvalued?
- Fair Isaac Corporation financial analysis — revenue, earnings, cash flow
- FICO Piotroski F-Score and Altman Z-Score
- FICO analyst price target and Smart Rating
Fair Isaac Corporation
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FICO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Fair Isaac Corporation (FICO)
FICO trades 164% above its Graham fair value of $516.43, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Fair Isaac Corporation (FICO) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, return on equity. Concerns around price/sales and price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Fair Isaac Corporation (FICO) Key Strengths (6)
Growing significantly faster than its price suggests
Every $100 of shareholder equity generates $36 in profit
Keeps $46 of every $100 in revenue after operating costs
Keeps $32 of every $100 in revenue as net profit
91.15% of shares held by major funds and institutions
Large-cap company with substantial market presence
Supporting Valuation Data
Fair Isaac Corporation (FICO) Areas to Watch (4)
Very expensive at 11.4x annual revenue
Very expensive at 82.3x book value
Modest earnings growth at 7.70%
Solid revenue growth at 16.40% per year
Supporting Valuation Data
Fair Isaac Corporation (FICO) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.8/10) while 4 fall into concern territory (avg 3.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Return on Equity, Operating Margin. Valuation metrics including PEG Ratio (0.94) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 35.60%, Operating Margin at 45.70%, Profit Margin at 31.90%.
The Bear Case
The primary concerns are Price/Sales, Price/Book, EPS Growth. Some valuation metrics including Price/Sales (11.44), Price/Book (82.33) suggest expensive pricing. Growth concerns include Revenue Growth at 16.40%, EPS Growth at 7.70%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 35.60% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 16.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Return on Equity) and negatives (Price/Sales, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FICO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FICO's Price-to-Sales ratio of 11.44x trades 241% above its historical average of 3.35x (96th percentile), historically expensive. The current valuation is 33% below its historical high of 16.96x set in Mar 2026, and 1446% above its historical low of 0.74x in Feb 2009. Over the past 12 months, the PS ratio has compressed from ~17.0x as trailing revenue scaled faster than the stock price.
Compare FICO with Competitors
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Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Fair Isaac Corporation (FICO) · TECHNOLOGY › SOFTWARE - APPLICATION
The Big Picture
Fair Isaac Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 2.1B with 16% growth year-over-year. Profit margins are strong at 31.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 35.6% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 31.9% and operating margin of 45.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Debt management: total debt of 3.2B is significantly higher than cash (162M). Monitor refinancing risk.
Sector dynamics: monitor SOFTWARE - APPLICATION industry trends, competitive moves, and regulatory changes that could impact Fair Isaac Corporation.
Bottom Line
Fair Isaac Corporation offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Fair Isaac Corporation(FICO)
NYSE
TECHNOLOGY
SOFTWARE - APPLICATION
USA
Fair Isaac Corporation develops data management, software and analytics products and services that enable companies to automate, improve and connect decisions in North America, Latin America, Europe, the Middle East, Africa and Asia Pacific. The company is headquartered in San Jose, California.