FICO
Technology · Software - Application
Performance
FICO (FICO) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
FICO (FICO) operates in the Software - Application space within the Technology sector. With a market cap of $27.1B, it qualifies as a mid-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Forward P/E (21.5×) is lower than trailing P/E (37.1×) — analysts expect earnings to improve
- Revenue grew 39% year-over-year — exceptional top-line expansion
- Earnings grew 69% YoY — bottom-line is expanding fast
- Exceptional profit margin of 33.7% — the business retains a large share of each dollar earned
- Current ratio of 2.2× — ample short-term liquidity
- P/E of 37.1× is above average — valuation requires continued strong growth to justify
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
—
5Y Avg Annual
$0.0680
Last Payment
$0.0200
Ex-Date
03/01/2017
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest03/01/2017 | 03/17/2017 | $0.0200 | 0.01% |
11/30/2016 | 12/16/2016 | $0.0200 | 0.01% |
09/12/2016 | 09/28/2016 | $0.0200 | 0.01% |
05/23/2016 | 06/08/2016 | $0.0200 | 0.01% |
03/07/2016 | 03/23/2016 | $0.0200 | 0.01% |
11/30/2015 | 12/16/2015 | $0.0200 | 0.01% |
09/14/2015 | 09/30/2015 | $0.0200 | 0.01% |
05/22/2015 | 06/07/2015 | $0.0200 | 0.01% |
Magic Number
Shares needed to self-fund your next purchase
$1,169.57
Price
$0.0200
Last div. (quarterly)
58,479
shares
Own 58,479 FICO shares ($68,395,284.03) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$68,395,284.03
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
EPS (TTM)
$31.55
P/E (TTM)
37.1
Fwd P/E
21.5
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $1169.57
Graham Number
√(22.5 × EPS × Book Value)
N/A
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$1.13
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
7/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
Return on equity — measures how efficiently capital is used
Positive profit margin
33.7%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+38.7%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+69.0%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
2.22×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$431M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
Stock must distribute income to shareholders
Related Assets
Technology
About FICO
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.
Sector
Technology
Industry
Software - Application
Location
Bozeman, United States
Employees
3,758