Fair Isaac Corporation (FICO) Stock Price, News, Analysis

Technical Score (1D)

BUY

News Sentiment

BULLISH

FICO has been identified by an analyst as a significant growth opportunity within the artificial intelligence sector, with a prediction of substantial stock price appreciation extending to the end of 2026. This positive outlook suggests strong underlying performance drivers and favorable market sentiment towards FICO's AI capabilities. Investors will be watching for continued execution on its AI strategy and any further analyst commentary to validate this long-term growth projection.

FICO|Company Info

Sector

Technology

Industry

Software - Application

Exchange

NYQ

Country

United States

Website

fico.com

Symbol

FICO

Description

Fair Isaac Corporation is a global provider of analytics software, serving clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company's core business revolves around two primary segments: Scores and Software. The Scores segment provides predictive credit scores and related services, both for business-to-business applications and direct-to-consumer offerings through myFICO.com. The Software segment delivers pre-configured analytic and decision management solutions, as well as customizable software platforms, catering to diverse business needs such as fraud detection, customer management, and marketing. Fair Isaac also offers professional services to support the implementation and optimization of its software solutions, solidifying its position as a comprehensive provider in the analytics and decisioning space.

FICO|Earnings Snapshot

Earnings Summary

Fair Isaac Corporation, commonly known as FICO, is a global analytics software provider operating in the Technology sector, specifically within the Software - Application industry. The company's business is divided into Scores, which provides credit scores, and Software, which offers decision management solutions. FICO's recent performance shows a pattern of exceeding analyst expectations for both earnings per share (EPS) and revenue. In Q2 fiscal 2026, the company reported EPS of $12.50 against an estimate of $10.97338 and revenue of $691.68 million against an estimate of $627.07319 million, representing significant year-over-year growth. This follows a strong Q1 2026 where EPS was $7.33 (vs. $7.2007 estimate) and revenue was $511.96 million (vs. $511.262556 million estimate). The company has demonstrated consistent EPS beats, with Q1 2025 ($7.81 vs. $7.44356), Q2 2025 ($8.57 vs. $7.70158), and Q3 2025 ($7.74 vs. $7.35683) all exceeding estimates. Historically, FICO has shown a strong revenue growth trajectory, with notable beats in recent quarters, indicating robust demand for its scoring and software solutions. Recent news indicates that Fannie Mae, Freddie Mac, and the FHA will now accept alternative credit scores, challenging FICO's market dominance, although FICO's own Score 10T is also being considered. Wells Fargo adjusted its price target downwards but maintained an Overweight rating, while Mizuho initiated coverage with an Outperform rating, citing FICO's AI positioning. Investors will be closely monitoring the adoption rates of new credit scoring models and FICO's strategic responses to the evolving competitive landscape in the credit scoring market.

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EPS

EstBeatMiss

Qtr	Est	Actual	+/−
Q2'26	$10.97	$12.50	+13.9%
Q1'26	$7.20	$7.33	+1.8%
Q3'25	$7.36	$7.74	+5.2%
Q2'25	$7.70	$8.57	+11.3%
Q1'25	$7.44	$7.81	+4.9%

Revenue

EstBeatMiss

Qtr	Est	Actual	+/−
Q2'26	$627M	$692M	+10.3%
Q1'26	$511M	$512M	+0.1%
Q3'25	-	$516M	-
Q2'25	-	$536M	-
Q1'25	-	$499M	-

Full Earnings BreakdownEstimates, actuals, guidance, and historical context

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Market Data

FICO Stock Snapshot

FICO is currently trading at $1258.00, giving Fair Isaac Corporation a market cap of 29.22B and a P/E ratio of 38.5. Today's range spans $1250.00–$1260.00, with shares opening at $1260.00 and moving down $3.40 (0.3%) from the prior close. DailyIQ's technical score sits at 73/100 (BUY) with a news sentiment reading of 77/100.

Over the past year FICO has traded between $870.01 and $1998.01 - the current price is +44.6% off the 52-week low and -37.0% from the high. 30 analysts cover the stock with a Buy consensus and a mean 12-month target of $1531.52 (range $707.00–$2400.00), implying upside of +21.7%.

What FICO has right now - BUY signal, 73/100 technical score, bullish sentiment at 77/100, price $1258.00 (in the lower half of its 52-week range) - is the profile that shows up in screens looking for Technology growth stories with technical confirmation. (P/E: 38.5) At 29.22B in capitalization, the risk/reward of a setup like this is often better than in mega-cap peers where the same signal translates to a smaller percentage move. Range: $870.01–$1998.01.

What makes FICO's BUY setup (73/100) particularly actionable at 29.22B in Technology capitalization is the scale-to-move ratio: large enough to feature on institutional mandates but not so large that the percentage upside is already compressed by index inertia. At $1258.00 (in the lower half of its 52-week range in $870.01–$1998.01), with sentiment running bullish at 77/100, the setup rewards conviction-sized positioning more than it does speculative small bets.

News Sentiment Analysis

Sentiment gathered from recent headlines

77/100

Strong NegativeNeutralStrong Positive

BULLISH

Recent News Coverage

Most recent articles, ranked by recency (click to expand).

10+ articles

What did this article say?

An analyst has identified a specific artificial intelligence stock, FICO, as a significant growth opportunity. The prediction centers on substantial price appreciation expected by the end of 2026. This outlook suggests strong underlying performance drivers and positive market sentiment towards FICO's AI capabilities.

What did this article say?

This article examines the long-term investment performance of Fair Isaac (FICO), illustrating its value to investors who held the stock over the past decade. It highlights FICO's core business of providing analytical tools and software that enable informed decision-making across various industries, including finance, insurance, and telecommunications. The piece also touches upon the accessibility of FICO Scores for consumers, a key component of its market presence.

What did this article say?

FICO has launched the next-generation UltraFICO Score, integrating traditional scoring with real-time cash flow data from Plaid. This initiative provides lenders with a more comprehensive view of credit risk, aiming to improve assessment for consumers with limited credit history. The move signals FICO's strategic expansion into open-banking data and its commitment to financial inclusion.

What did this article say?

Fair Isaac Corporation, a long-standing analytics firm, derives substantial revenue and profit from its FICO credit scores, a key industry benchmark for consumer creditworthiness. The company's US-focused credit scoring segment, serving both business-to-business and business-to-consumer markets, forms the core of its operations. Beyond credit scores, Fair Isaac also provides software solutions to financial institutions for analytics, decision-making, fraud detection, and customer workflow management.

What did this article say?

FICO is facing pressure from rival VantageScore, particularly in the mortgage market, following Fannie Mae and Freddie Mac's decision to accept VantageScore 4.0. However, FICO has countered with an independent analysis suggesting its FICO Score 10T is more predictive for first-time homebuyer mortgage risk. The company also reported robust fiscal second-quarter revenue growth of 39%, driven by a significant increase in Scores revenue, and raised its fiscal 2026 revenue guidance.

What did this article say?

Pindrop has enhanced the FICO Marketplace by integrating its real-time fraud intelligence capabilities. This move is particularly timely given the increasing prevalence of AI-driven scams. The integration aims to bolster fraud detection and prevention measures for FICO clients.

What did this article say?

FICO is celebrating its 70th anniversary, highlighting a legacy of innovation in analytics and applied intelligence. The company launched its "Hello, Future" campaign at FICO World 2026, underscoring its commitment to advancing AI-driven decision-making. This milestone event also marks the 50th anniversary of FICO's first client conference.

What did this article say?

FICO, in partnership with Plaid, is introducing a new credit scoring model that incorporates cashflow data. This initiative aims to improve the assessment of creditworthiness for individuals with limited credit histories, often referred to as 'thin-file' consumers. The integration of cashflow data offers lenders a more comprehensive view of financial health, potentially expanding access to credit.

What did this article say?

FICO has announced the availability of its next-generation UltraFICO Score. This updated score aims to provide a more comprehensive view of consumer creditworthiness by incorporating alternative data. The enhancement is expected to enable lenders to extend credit to a wider range of individuals, potentially increasing market participation.

What did this article say?

Argus Research has increased its price target for FICO to $1,331. This upward revision suggests continued confidence in the company's market position and future performance. Traders should monitor FICO's stock movement following this analyst upgrade.

Recent News Coverage

Most recent articles, ranked by recency (click to expand).

10+ articles

What did this article say?

FICO·Fair Isaac Corporation

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News Sentiment Analysis

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