US · FICO
Fair Isaac Corporation
- Sector
- Technology · Software - Application
- Headquarters
- Bozeman, MT 59715
- Website
- fico.com
Price · as of 2025-09-30
$1,035.50
Market cap 33.43B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $1,148.03 | +10.87% |
| Intrinsic Value(DCF) | $796.79 | -23.05% |
| Graham-Dodd Method(GD) | $30.14 | -97.09% |
| Graham Formula(GF) | $630.32 | -39.13% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $37.65 | $61.78 | $7.73 | $2.83 | $18.96 |
| 2012 | $41.94 | $78.67 | $8.90 | $3.86 | $44.62 |
| 2013 | $59.41 | $86.57 | $6.18 | $4.67 | $45.12 |
| 2014 | $73.05 | $84.27 | $15.40 | $3.20 | $39.39 |
| 2015 | $89.53 | $107.30 | $27.30 | $0.55 | $39.26 |
| 2016 | $122.13 | $120.47 | $52.74 | $5.09 | $45.40 |
| 2017 | $157.31 | $144.22 | $21.61 | $7.93 | $56.84 |
| 2018 | $182.41 | $161.71 | $36.30 | $5.89 | $88.49 |
| 2019 | $363.83 | $251.72 | $98.26 | $15.42 | $132.53 |
| 2020 | $511.91 | $342.28 | $121.95 | $24.11 | $156.37 |
| 2021 | $407.49 | $352.36 | $91.94 | $36.94 | $131.82 |
| 2022 | $615.45 | $518.35 | $48.35 | $11.70 | $179.73 |
| 2023 | $1,134.39 | $768.66 | $66.20 | $27.44 | $300.81 |
| 2024 | $2,371.83 | $1,294.46 | $85.11 | $33.17 | $435.33 |
| 2025 | $1,798.53 | $1,148.03 | $115.30 | $30.14 | $630.32 |
AI valuation
Our deep-learning model estimates Fair Isaac Corporation's (FICO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $1,148.03
- Current price
- $1,035.50
- AI upside
- +10.87%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$796.79
-23.05% upside
Graham-Dodd
$30.14
-97.09% upside
Graham Formula
$630.32
-39.13% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FICO | Fair Isaac Corporation | $1,035.50 | 33.43B | +11% | -23% | -97% | -39% | 66.87 | -24.97 | 21.90 | 48.92 | 224.54 | -17.24 | 82.23% | 46.45% | 32.75% | -48.14% | 64.65% | 36.36% | -1.76 | 6.92 | 0.83 | 0.78 | 3.09 | 2978.00% | 1591.00% | 2675.00% | 1.77% | 0.92 | 66.25% | 0.00% | 0.00% | 3.24% | 50.32 | 60.44 | 23.37 | 13.26 |
| CLS | Celestica Inc. | $277.63 | 31.94B | -41% | +1,454% | -81% | -1% | 36.98 | 13.91 | 2.44 | 25.12 | 36.27 | 19.07 | 11.69% | 8.64% | 6.72% | 40.53% | 39.56% | 12.62% | 0.35 | 20.35 | 1.44 | 0.82 | 0.15 | 10194.00% | 3071.00% | 5390.00% | 1.51% | 0.17 | 20.00% | 0.00% | 0.00% | 1.87% | 28.43 | 66.40 | 2.46 | 6.24 |
| CTSH | Cognizant Technology Solu… | $64.43 | 31.1B | +30% | -57% | -68% | +7% | 13.70 | 2.03 | 1.45 | 7.24 | 1544.30 | 4.70 | 33.72% | 16.72% | 10.56% | 15.16% | 14.96% | 10.97% | 0.10 | 95.38 | 2.34 | 1.74 | -0.08 | 89.00% | 695.00% | 4204.00% | 8.50% | 0.79 | 18.31% | 2.00% | 27.40% | 6.51% | 8.56 | 11.64 | 1.43 | 6.12 |
| GRMN | Garmin Ltd. | $252.83 | 48.66B | -24% | -18% | -86% | -23% | 29.52 | 5.47 | 6.78 | 22.54 | 167.02 | 6.13 | 58.74% | 25.89% | 22.96% | 19.78% | 26.02% | 16.14% | 0.02 | — | 3.63 | 2.32 | -1.02 | 1767.00% | 1506.00% | 1001.00% | 2.78% | 0.95 | 22.89% | 1.35% | 39.90% | 2.24% | 24.81 | 34.15 | 6.42 | 17.18 |
| NOK | Nokia Oyj | $7.72 | 41.69B | +314% | -48% | -81% | -87% | 63.27 | 1.82 | 2.00 | 19.11 | — | 2.82 | 42.08% | 8.28% | 3.16% | 2.90% | 6.08% | 1.57% | 0.25 | — | 1.58 | 1.32 | -0.13 | -5217.00% | -60.00% | -3037.00% | 3.68% | 0.20 | 7.77% | 1.89% | 119.70% | 3.46% | 23.41 | 26.30 | 1.94 | 2.29 |
| PTC | PTC Inc. | $156.59 | 18.63B | -2% | -39% | -79% | +3% | 28.37 | 5.44 | 7.60 | 19.43 | 29.90 | -42.35 | 83.76% | 35.86% | 26.80% | 20.85% | 15.85% | 11.29% | 0.36 | 12.76 | 1.12 | 0.96 | 1.05 | 9487.00% | 1918.00% | 1710.00% | 4.11% | 0.70 | 17.32% | 0.00% | 0.00% | 3.74% | 22.40 | 25.69 | 8.03 | 5.85 |
| TEAM | Atlassian Corporation | $75.13 | 19.77B | +57% | +285% | — | — | -175.86 | 33.54 | 8.66 | 1807.83 | — | -221.68 | 82.84% | -2.50% | -4.92% | -21.58% | 63.78% | -4.56% | 0.92 | -4.27 | 1.22 | 1.17 | -53.00 | -1552.00% | 1966.00% | 4.00% | 3.14% | 0.46 | -692.42% | 0.00% | 0.00% | 2.49% | -333.17 | 30.69 | 8.33 | 5.72 |
| TTD | The Trade Desk, Inc. | $23.82 | 11.65B | +97% | +62% | -59% | -0% | 26.33 | 4.70 | 4.03 | 14.79 | 158.00 | 4.70 | 78.63% | 20.35% | 15.31% | 16.32% | 22.02% | 7.23% | 0.18 | — | 1.61 | 1.36 | -0.29 | 1667.00% | 1847.00% | 2583.00% | 6.82% | 0.30 | 44.18% | 0.00% | 0.00% | 11.83% | 19.43 | 14.39 | 3.95 | 2.95 |
| UI | Ubiquiti Inc. | $766.99 | 46.42B | -59% | +22% | -96% | -38% | 48.82 | 52.01 | 13.51 | 40.67 | 47.35 | 52.22 | 43.42% | 32.50% | 27.66% | 186.53% | 95.85% | 54.33% | 0.45 | 27.30 | 1.65 | 0.57 | 0.17 | 10311.00% | 3345.00% | 1849.00% | 1.81% | 0.90 | 81.38% | 0.42% | 20.40% | 1.81% | 41.74 | 55.63 | 13.56 | 30.76 |
| XYZ | Block, Inc. | $63.70 | 38.83B | +18% | -52% | -57% | -72% | 30.26 | 1.78 | 1.63 | 21.80 | — | 4.35 | 42.82% | 7.06% | 5.39% | 6.00% | 6.79% | 3.42% | 0.33 | 13.21 | 2.20 | 1.07 | 0.40 | -5385.00% | 30.00% | 5609.00% | 6.14% | 0.25 | 12.48% | 0.00% | 0.00% | 5.91% | 23.22 | 16.36 | 1.64 | 2.62 |
| ZM | Zoom Communications, Inc. | $73.94 | 22.13B | +78% | -36% | -15% | +6% | 11.50 | 2.23 | 4.49 | 5.51 | 12.43 | 2.32 | 77.02% | 23.08% | 39.03% | 20.28% | 54.58% | 16.56% | 0.00 | — | 4.33 | 4.16 | -0.49 | 9252.00% | 436.00% | 638.00% | 8.80% | 0.99 | 119.14% | 0.00% | 0.00% | 7.42% | 12.52 | 7.31 | 2.89 | 8.14 |
About Fair Isaac Corporation
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides 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. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation 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.
- CEO
- William J. Lansing
- Employees
- 3.72K
- Beta
- 1.27
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($796.79 ÷ $1,035.50) − 1 = -23.05% (DCF, example).