Fair Isaac Valuation
| FICO Stock | USD 1,451 12.26 0.84% |
At this time, the firm appears to be undervalued. Fair Isaac shows a prevailing Real Value of $1562.9 per share. The current price of the firm is $1450.91. Our model computes the value of Fair Isaac from reviewing the firm fundamentals such as Profit Margin of 0.32 %, shares outstanding of 23.72 M, and Current Valuation of 37.76 B as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Fair Isaac's valuation include:
Price Book 82.3284 | Enterprise Value | Enterprise Value Ebitda 37.5371 | Price Sales 16.8259 | Forward PE 35.461 |
Undervalued
Today
Please note that Fair Isaac's price fluctuation is very steady at this time. Calculation of the real value of Fair Isaac is based on 3 months time horizon. Increasing Fair Isaac's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Fair Isaac is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Fair Stock. However, Fair Isaac's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 1450.91 | Real 1562.9 | Target 2028.42 | Hype 1463.77 | Naive 1474.99 |
The intrinsic value of Fair Isaac's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Fair Isaac's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Fair Isaac helps investors to forecast how Fair stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Fair Isaac more accurately as focusing exclusively on Fair Isaac's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Fair Isaac's intrinsic value based on its ongoing forecasts of Fair Isaac's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Fair Isaac's closest peers.
Fair Isaac Cash |
|
Fair Revenue by Product
Fair Isaac Total Value Analysis
Fair Isaac is currently forecasted to have valuation of 37.76 B with market capitalization of 34.71 B, debt of 3.07 B, and cash on hands of 155.06 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Fair Isaac fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
37.76 B | 34.71 B | 3.07 B | 155.06 M |
Fair Isaac Investor Information
About 92.0% of the company shares are owned by institutional investors. The company has Price/Earnings To Growth (PEG) ratio of 1.32. Fair Isaac recorded earning per share (EPS) of 27.07. The entity last dividend was issued on the 1st of March 2017. The firm had 3:2 split on the 11th of March 2004. Based on the measurements of operating efficiency obtained from Fair Isaac's historical financial statements, Fair Isaac is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.44 | 0.42 |
|
| |||||
| Total Cash From Operating Activities | 940.4 M | 895.6 M |
|
| |||||
| Operating Income | 1.1 B | 1.1 B |
|
|
Fair Isaac Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Fair Isaac has an asset utilization ratio of 106.57 percent. This suggests that the Company is making $1.07 for each dollar of assets. An increasing asset utilization means that Fair Isaac is more efficient with each dollar of assets it utilizes for everyday operations.Fair Isaac Profitability Analysis
Based on the measurements of profitability obtained from Fair Isaac's financial statements, Fair Isaac is yielding more profit at the present time then in previous quarter. It has a moderate chance of reporting better profitability numbers in March. Profitability indicators assess Fair Isaac's ability to earn profits and add value for shareholders.Net Income | First Reported 1985-12-31 | Previous Quarter 155 M | Current Value 158.4 M | Quarterly Volatility 39.6 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.54 | 0.74 |
|
| |||||
| Net Profit Margin | 0.31 | 0.29 |
|
| |||||
| Operating Profit Margin | 0.44 | 0.42 |
|
| |||||
| Pretax Profit Margin | 0.38 | 0.36 |
|
| |||||
| Return On Assets | 0.33 | 0.31 |
|
|
For Fair Isaac profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Fair Isaac to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Fair Isaac utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Fair Isaac's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Fair Isaac over time as well as its relative position and ranking within its peers.
Fair Isaac Earnings per Share Projection vs Actual
The next projected EPS of Fair Isaac is estimated to be 10.5954 with future projections ranging from a low of 9.22 to a high of 12.16. Fair Isaac's most recent 12-month trailing earnings per share (EPS TTM) is at 27.07. Please be aware that the consensus of earnings estimates for Fair Isaac is based on EPS before non-recurring items and includes expenses related to employee stock options.Fair Isaac Earnings Estimation Breakdown
The calculation of Fair Isaac's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Fair Isaac is estimated to be 10.5954 with the future projection ranging from a low of 9.22 to a high of 12.16. Please be aware that this consensus of annual earnings estimates for Fair Isaac is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
9.22 Lowest | Expected EPS | 12.16 Highest |
Fair Isaac Earnings Projection Consensus
Suppose the current estimates of Fair Isaac's value are higher than the current market price of the Fair Isaac stock. In this case, investors may conclude that Fair Isaac is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Fair Isaac's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 19 | 94.74% | 7.33 | 10.5954 | 27.07 |
Fair Isaac Ownership Allocation
Fair Isaac holds a total of 23.72 Million outstanding shares. The majority of Fair Isaac outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in Fair Isaac to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Fair Isaac. Please pay attention to any change in the institutional holdings of Fair Isaac as this could imply that something significant has changed or is about to change at the company. On September 12, 2025, Representative Ro Khanna of US Congress acquired under $15k worth of Fair Isaac's common stock.Fair Isaac Profitability Analysis
The company reported the previous year's revenue of 1.99 B. Net Income was 651.95 M with profit before overhead, payroll, taxes, and interest of 1.71 B.About Fair Isaac Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Fair Isaac. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Fair Isaac based exclusively on its fundamental and basic technical indicators. By analyzing Fair Isaac's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Fair Isaac's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Fair Isaac. We calculate exposure to Fair Isaac's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Fair Isaac's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.9 B | 2 B | |
| Pretax Profit Margin | 0.36 | 0.38 | |
| Operating Profit Margin | 0.42 | 0.44 | |
| Net Profit Margin | 0.29 | 0.31 | |
| Gross Profit Margin | 0.74 | 0.54 |
Fair Isaac Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 24.6 M | |
| Quarterly Earnings Growth Y O Y | 0.077 | |
| Forward Price Earnings | 35.461 |
Fair Isaac Current Valuation Indicators
Fair Isaac's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Fair Isaac's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Fair Isaac, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Fair Isaac's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Fair Isaac's worth.When determining whether Fair Isaac offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Fair Isaac's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Fair Isaac Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Fair Isaac Stock: Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Fair Isaac. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state and metro area employment, hours, and earnings. To learn how to invest in Fair Stock, please use our How to Invest in Fair Isaac guide.You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.
Will Application Software sector continue expanding? Could Fair diversify its offerings? Factors like these will boost the valuation of Fair Isaac. Market participants price Fair higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Fair Isaac data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.077 | Earnings Share 27.07 | Revenue Per Share | Quarterly Revenue Growth 0.164 | Return On Assets |
Understanding Fair Isaac requires distinguishing between market price and book value, where the latter reflects Fair's accounting equity. The concept of intrinsic value—what Fair Isaac's is actually worth based on fundamentals—guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Fair Isaac's price substantially above or below its fundamental value.
Please note, there is a significant difference between Fair Isaac's value and its price as these two are different measures arrived at by different means. Investors typically determine if Fair Isaac is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Fair Isaac's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.