DailyIQ
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Last updated 1 minute ago

FICO·Fair Isaac Corporation

$.
-. (-.%)
After Hours
High
$1,304.75
Open
$1,290.00
Market Cap
29.11B
52W High
$1,998.01
Low
$1,240.50
P. Close
$1,250.90
P/E
38.32
52W Low
$870.01
Fwd P/E
22.93
DailyIQ Est.
$1662.57
Technical Score (1D)
73
BUY
News Sentiment
70
BULLISH
Argus Research’s recent upgrade of FICO’s target price to $1,457, driven by an optimistic earnings outlook from expanding AI‑powered fraud detection solutions, signals that the market expects stronger subscription revenue growth. This upgrade implies that FICO’s enterprise customer base is likely to expand in the next 1–10 trading days, so traders should watch the upcoming earnings release for confirmation of subscription growth metrics. A separate analysis comparing VantageScore 4.0 to FICO 10T shows the former can identify five million more creditworthy mortgage borrowers, potentially eroding FICO’s mortgage scoring market share. The potential erosion of mortgage revenue suggests a short‑term pressure on FICO’s mortgage‑related earnings, so monitor any changes in the company’s mortgage product mix or pricing strategy. Verdata’s addition of small‑business data to the FICO Marketplace expands the platform’s data breadth, enabling faster and more confident credit decisions for banks and fintechs. The enhanced SMB analytics capability could drive new revenue streams for FICO in the next trading days, so watch for updates on SMB product adoption and related revenue line items. The release of expanded FICO Score 10T loan‑level performance data from Fannie Mae and Freddie Mac provides lenders with real‑world validation of the next‑generation scoring model. This broader data availability is likely to accelerate the adoption of FICO 10T in mortgage underwriting, so keep an eye on any licensing fee increases or new client announcements. Together, these developments reinforce FICO’s positioning as a leading risk analytics provider, so traders should also watch for any subsequent analyst target revisions or earnings guidance that could further shape the stock’s valuation.
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.

EPS

EstBeatMiss
$6.41$8.13$9.85$11.57$13.29Q1'25Q2'25Q3'25Q1'26Q2'26
QtrEstActual+/−
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
$470M$533M$595M$658M$721MQ1'25Q2'25Q3'25Q1'26Q2'26
QtrEstActual+/−
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 $1245.63, giving Fair Isaac Corporation a market cap of 29.11B and a P/E ratio of 38.3. Today's range spans $1240.50–$1304.75, with shares opening at $1290.00 and moving down $5.27 (0.4%) from the prior close. DailyIQ's technical score sits at 73/100 (BUY) with a news sentiment reading of 70/100.

Over the past year FICO has traded between $870.01 and $1998.01 - the current price is +43.2% off the 52-week low and -37.7% from the high. 30 analysts cover the stock with a Buy consensus and a mean 12-month target of $1529.55 (range $707.00–$2400.00), implying upside of +22.8%.

Fair Isaac Corporation (FICO) is a large-cap in Technology with 29.11B in market cap, and the current setup is one of the cleaner bullish reads in the space. Technical score: 73/100 (BUY). Sentiment: bullish at 70/100. Price: $1245.63 (in the lower half of its 52-week range). The current P/E ratio stands at 38.3. The 52-week range of $870.01–$1998.01 provides structural context - and the current technical/sentiment alignment is the type of setup that attracts both momentum and growth-oriented capital.

What makes FICO's BUY setup (73/100) particularly actionable at 29.11B 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 $1245.63 (in the lower half of its 52-week range in $870.01–$1998.01), with sentiment running bullish at 70/100, the setup rewards conviction-sized positioning more than it does speculative small bets.