# Fair Isaac Corporation (FICO) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Technology / Software. Price $932.26, market value $20.1 billion.

## Valuation
- **P/E (trailing): 27.0×** (5-yr avg 52.3×, 3-yr avg 67.6×). Fair Isaac Corporation trades at 27.0× trailing earnings, well below its own five-year average of 52.3×: cheap by its own standards. The Technology median in the September 2026 study was 32.1×. Forward P/E is 17.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.59**. A PEG of 0.59 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 8.4×**. Each dollar of revenue is priced at 8.4×.
- **EV / EBITDA: 18.4×**. Enterprise value is 18.4× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 4.9%** (5-yr avg 2.7%). Free cash flow equals 4.9% of the market value, above its five-year average of 2.7%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 3.7%**. The inverse of the P/E: 3.7% of the price is earned each year.

## Profitability
- **Operating margin: 51.7%**. 51.7% of revenue is left after running the business, an exceptional level.
- **Net margin: 32.7%**. 32.7% of each dollar of sales reaches the bottom line.
- **Return on equity: -37.3%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 83.1%**. Return on all capital, debt included, is 83.1%: comfortably above what that capital costs.
- **Return on assets: 43.6%**. Each dollar of assets produces 43.6% of profit.

## Growth
- **Revenue growth (1 yr): 15.9%** (3-yr 13.1%/yr, 5-yr 9.0%/yr). Revenue grew 15.9% over the last year, against 9.0% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 29.8%** (3-yr 23.2%/yr, 5-yr 27.4%/yr). Earnings per share rose 29.8%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 15.2%/yr**. Free cash flow has compounded at 15.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Net debt / EBITDA: 2.3×**. It would take 2.3 years of operating earnings to repay net borrowings, within the comfortable range.
- **Altman Z-score: 4.73**. A Z-score of 4.73 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Fair Isaac Corporation does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -38.6%** (YTD -44.9%, 3-mo -18.0%). The shares are down 38.6% over twelve months including dividends.
- **From 52-week high: -53.3%** (7.2% above the low). Trading 53% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 30**. An RSI of 30 is neutral.
- **Beta (1 yr): 0.47** (volatility 57%). Beta of 0.47 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FICO · Page: https://foliofundamentals.com/stocks/fico

Not investment advice.