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FICO Fair Isaac

Information Technology · Application Software · close $771.19 (2026-10-16) · latest quarter in EDGAR: 2026-06-30

56
C
#98/199 in sector · #388/964 overall

Fair Isaac (FICO) has a ThetaGrade House Rating of 56/100 (grade C), ranking #98 of 199 in Information Technology. Its strongest pillars are profitability (92) and cash flow (82); its weakest is balance sheet (19). TTM revenue growth is 24.1% and operating margin 51.7%.

Data as of .

Analyst sentiment

weight 7.5% · 50
Consensus score (1–5) (3.8%)derived31
90-day net rating shift (3.8%)derived54

Growth

weight 30.83% · 49
Revenue growth YoY (TTM) (12.3%)24.1%61
EPS growth YoY (TTM) (12.3%)35.4%57
Revenue acceleration (6.2%)-13.0%7

Profitability

weight 18.5% · 92
Operating margin (9.9%)51.7%98
4Q gross-margin change (8.6%)3.4%86

Balance sheet

weight 18.5% · 19
Net debt / EBITDA (9.9%)4.26×5
Current ratio (4.9%)1.1822
Interest coverage (3.7%)9.25×54

Cash flow

weight 12.33% · 82
FCF margin (6.2%)38.7%92
FCF yield (6.2%)4.6%72

Valuation

weight 12.33% · 55
P/E (inverted) (6.2%)22.28×74
EV/Sales (inverted) (6.2%)9.19×35

Technicals (EOD)

RSI(14)45.8
EMA 9 / 21735.59 / 776.51
200-day SMA1166.85
Volume vs 20d avg0.59×
20-day return-20.2%

Exit-rule monitor

  • EXITRating break: House Rating below 60
  • EXITBalance-sheet stress: net debt/EBITDA above 4×
  • WATCHTrend: close below 200-day average

Data source per metric (SEC XBRL tag or derivation): Revenue: RevenueFromContractWithCustomerExcludingAssessedTax · Gross profit: Revenue − CostOfRevenue · Operating income: OperatingIncomeLoss · Interest expense: InterestExpenseNonoperating · D&A: DepreciationDepletionAndAmortization · EPS: EarningsPerShareDiluted · Market cap: SEC shares (dei EntityCommonStockSharesOutstanding (cover page)) × EOD close · P/E: EOD close ÷ SEC TTM EPS (EarningsPerShareDiluted).

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FAQ

What is FICO's House Rating?
FICO scores 56 out of 100 (grade C) as of 2026-10-16, ranking #98 of 199 Information Technology stocks we cover.
What do analysts say about FICO?
ThetaGrade's analyst-sentiment pillar for FICO scores 50/100 against its sector peers, which we read as mixed. This is our own derived score; we do not republish individual analyst ratings, counts or targets.
When does FICO report earnings next?
FICO's next earnings report is estimated for about 2026-11-04 (window 2026-10-29 to 2026-11-10), based on its past SEC 8-K earnings filings. This is an estimate, not a company-confirmed date.
Is FICO a buy?
ThetaGrade does not give personal advice. The House Rating is an educational, rules-based summary of public data; see the methodology for how it is built.

Sources: SEC EDGAR filings (fetched 2026-10-18), Finnhub recommendation trends, Massive EOD prices. Scores are sector percentiles; a factor without usable data is a data gap: it is left out and the remaining weights are renormalized (nothing is imputed). Educational only. Methodology

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