--- title: Fair Isaac (FICO) — intrinsic value and fair price canonical: https://sweetvaluelab.com/stocks/fico ticker: FICO as_of: 2026-10-17 sector: Technology industry: Software - Application --- # Fair Isaac (FICO) Fair Isaac (FICO) closed at $771.19 on Oct 16, 2026, right at its model value of $772.99 (from a five-year discounted cash flow). ## Key figures | Figure | Value | | --- | ---: | | Last close | $771.19 (Oct 16, 2026) | | Model value (from a five-year discounted cash flow) | $772.99 | | Price vs model | at model value | | Range of that model | $463.83 – $1,905.59 | | Market value | $16.7B | | P/E (fiscal 2025) | 29.1 | | Net margin (fiscal 2025) | 32.7% | | Free cash flow (fiscal 2025) | $769.9M | | Dividend yield (trailing twelve months) | 0.00% | | Beta | 1.34 | | Cost of capital (WACC) | 9.24% | | Business classification | High Growth (Moderate growth (~15% recent), High profitability (33% net margin), Moderately volatile earnings, High leverage (D/E 5.0x)) | ## On the stock lists | List | Place | Figure | Page | | --- | ---: | ---: | --- | | Worst performing this year | #4 | −54.4% | https://sweetvaluelab.com/lists/worst-performing-this-year | ## Valuation models Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026. | Model | Role | Value per share | Low | High | | --- | --- | ---: | ---: | ---: | | DCF · Perpetuity growth · 5y | primary | $772.99 | $463.83 | $1,905.59 | | DCF · Perpetuity growth · 10y | cross check | $855.76 | $532.95 | $2,019.47 | | DCF · EBITDA exit · 5y | cross check | $643.24 | $408.40 | $919.94 | | DCF · EBITDA exit · 10y | cross check | $743.18 | $489.01 | $1,082.19 | | P/E · peers | cross check | $616.46 | $582.14 | $972.71 | | P/E · own history | cross check | $1,481.62 | $1,036.70 | $2,009.80 | | PEG | sanity check | $804.20 | $804.20 | $804.20 | | EV/EBITDA · peers | cross check | $349.13 | $335.44 | $433.18 | | EV/Revenue · peers | cross check | $176.31 | $109.98 | $209.50 | | Earnings power value | cross check | $81.93 | $53.87 | $120.87 | ## Insider activity (SEC Form 4) Past 90 days: 0 open-market buys ($0) and 1 open-market sale ($1.4M); 10b5-1 plan sales included. | Date | Insider | Relationship | Transaction | Shares | Value | | --- | --- | --- | --- | ---: | ---: | | Aug 22, 2026 | Stansbury Henry Tayloe | Director | Option/RSU exercise | 91 | $0 | | Aug 22, 2026 | Stansbury Henry Tayloe | Director | Option/RSU exercise | 91 | $0 | | Aug 21, 2026 | KELLY BRADEN R | Director | Option/RSU exercise | 1,682 | $658,620.7 | | Aug 24, 2026 | KELLY BRADEN R | Director | Option/RSU exercise | 1,386 | $630,810.2 | | Aug 24, 2026 | KELLY BRADEN R | Director | Option/RSU exercise | 1,285 | $610,966.1 | ## Recent SEC filings | Filed | Form | What | Filing | | --- | --- | --- | --- | | Oct 6, 2026 | 8-K | 2.05 Costs of Exit or Disposal | https://www.sec.gov/Archives/edgar/data/814547/000119312526415732/d127042d8k.htm | | Jul 29, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/fico-20260729.htm | | Jul 29, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/fico-20260630.htm | | Jun 8, 2026 | 8-K | 1.01 Entry into a Material Agreement; 2.03 Creation of a Direct Financial Obligation; 8.01 Other Events; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/814547/000119312526260817/d140061d8k.htm | | Apr 28, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/814547/000081454726000021/fico-20260331.htm | ## Superinvestors holding it (latest 13F) | Manager | Quarter | Shares | Value | | --- | --- | ---: | ---: | | Valley Forge | 2026-06-30 | 672,186 | $803.1M | | Akre | 2026-06-30 | 361,826 | $432.3M | | Lindsell Train | 2026-06-30 | 226,186 | $270.2M | | AKO Capital | 2026-06-30 | 103,619 | $123.8M | 8 tracked managers in all. ## About Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also s… --- Source: https://sweetvaluelab.com/stocks/fico (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.