Stocktoria
FAIR ISAAC CORP FICO
FAIR ISAAC CORP (FICO) earns a Piotroski F-score of 6/9 (mixed financial health), with an Altman Z″ in the safe zone. It pays a dividend yielding 0.00% (safety: no dividend). FY2025 revenue was $2.0B at a 32.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.65 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-12 | UBS | Neutral (main) |
| 2026-08-10 | Barclays | Overweight (main) |
| 2026-08-03 | Wolfe Research | Peer Perform (down) |
| 2026-07-30 | RBC Capital | Outperform (main) |
| 2026-07-30 | Wells Fargo | Overweight (main) |
| 2026-07-30 | Needham | Buy (reit) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | -0.077 |
| Retained earnings / assets | 2.437 |
| EBIT / assets | 0.495 |
| Equity / liabilities | -0.483 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FICO | FAIR ISAAC CORP | 6/9 | 10.26 | 42.1 | +15.9% |
| EXLS | ExlService Holdings, Inc. | 8/9 | 7.34 | 15.8 | +13.6% |
| WSE | Wise Group plc | 4/9 | 0.82 | 24.8 | +22.5% |
| ALIT | Alight, Inc. / Delaware | 4/9 | -6.53 | — | -3% |
| PSFE | Paysafe Ltd | 3/9 | -0.92 | — | -0.2% |
| TIC | TIC Solutions, Inc. | 2/9 | 1.91 | — | — |
| Z | ZILLOW GROUP, INC. | 6/9 | 6.96 | 331.4 | +15.5% |
About FAIR ISAAC CORP
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
FAQ
Is FICO financially healthy?
FAIR ISAAC CORP's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does FICO pay a dividend, and is it safe?
Yes. FAIR ISAAC CORP pays a dividend yielding about 0.00% with a None payout ratio, rated “no dividend” for safety.
How profitable is FICO?
In FY2025, FAIR ISAAC CORP had a net margin of 32.7%.
Is FICO overvalued or undervalued?
FAIR ISAAC CORP trades at about 39.3× trailing earnings — below its 10-year norm (10-year range 29.7×–97.5×, median 48.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FICO?
The average Wall-Street price target for FAIR ISAAC CORP is $1,476.32, about 41.4% above the recent price, from 19 analysts (consensus: buy).
Is FICO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FAIR ISAAC CORP: a Piotroski F-score of 6/9, an Altman Z″ in the safe zone, a P/E of about 42.1×, a dividend yield of 0.00%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.