Fair Isaac Corp (FICO) Stock Analysis
Verdict: HOLD
FHFA approval of VantageScore 4.0 breaks FICO's mortgage pricing monopoly, creating structural revenue margin risks despite lower P/E 16.1x.
Investment score: 46/100
Analysis as of
Is Fair Isaac Corp stock worth reviewing? AI model thesis
The model score of 46/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment.
7-factor investment score
- Valuation: 55/100 (weight 20%)
- Financial Health: 60/100 (weight 15%)
- Technical Momentum: 20/100 (weight 15%)
- Earnings Quality: 70/100 (weight 15%)
- Insider Sentiment: 30/100 (weight 10%)
- Analyst Consensus: 50/100 (weight 10%)
- Risk-Adjusted Return: 30/100 (weight 15%)
Fair Isaac Corp opportunities and risks
What speaks for FICO
- Software segment ARR acceleration via FICO Platform expansion
What speaks against FICO
- Erosion of mortgage scoring monopoly power and pricing compression
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| FICO | 17.7x | 5.6x | 14.7x | 85.1% | 34.1% | 7.5% |
| DT | 113.2x | 8.0x | 51.9x | 81.4% | 7.2% | 3.4% |
| BMNR | n/a | 248.8x | n/a | 83.5% | -14306.6% | -1.9% |
| PTC | 13.3x | 5.4x | 10.2x | 84.1% | 41.4% | 5.9% |
| TRMB | n/a | 3.5x | 55.5x | 68.4% | -2.8% | 4.1% |
| TYL | 41.4x | 5.3x | 28.3x | 46.6% | 13.4% | 5.5% |
| Peer median | 13.3x | 5.4x | 28.3x | 81.4% | 7.2% | 4.1% |
Frequently asked questions about Fair Isaac Corp (FICO)
Is FICO stock a good investment?
The cached TradeMates AI model rates Fair Isaac Corp as HOLD with an investment score of 46/100. The model score of 46/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment. This is algorithmic model output, not personal investment advice.
Is FICO stock a buy?
The TradeMates model verdict for FICO is HOLD with an investment score of 46/100. Treat this as a model signal to review, not a personal buy recommendation.