GROWTH
Top line accelerating.
+15.9% YoY versus +13.5% prior. 3y CAGR +13.1%.
+15.9%
Fair Isaac Corporation FICO
Technology · Market Cap: $25.4B
$1096.48▼ 30.36 (2.69%)
Fundamentals as of 2025-09-30
We use cookies
MainRatios uses cookies for essential site functions. With your consent, we also use analytics cookies including session replay sampling (PostHog, Google Analytics) and advertising cookies (Google AdSense). You can reject non-essential cookies, including the "sale" or sharing of personal information under CCPA, and you may withdraw consent at any time (GDPR). See our Privacy Policy for details.
Technology · Market Cap: $25.4B
Fundamentals as of 2025-09-30
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
The Question
+15.9% YoY versus +13.5% prior. 3y CAGR +13.1%.
+15.9%Net margin 32.7% versus 29.9% prior (+2.9pp). Operating 46.5%.
32.7%P/E 36.0x — 32% below the 5y median of 52.6x. Forward 25.5x hints at EPS expansion next year.
36.0xFair Isaac Corporation's ROE and debt-to-equity are non-meaningful — large accumulated buybacks have driven stockholders' equity below zero, so the ratio denominators are uninterpretable. Operating margin and free cash flow are the better lenses here.
Financial story
Fair Isaac Corporation's ROE and debt-to-equity are non-meaningful — large accumulated buybacks have driven stockholders' equity below zero, so the ratio denominators are uninterpretable. Operating margin and free cash flow are the better lenses here.
Bottom line: FICO is flagged as overvalued by the 1 legendary model, but earns a C sector grade (48/100) in Technology. Use the per-tab analysis to form your own view. Drill into the valuation breakdown and sector ranking for the full picture.
How does FICO compare?
Fair Isaac Corporation's fair value depends on which model you trust. See the per-investor fair-value table in the valuation tab.
FICO trades at 41.1x earnings. Sector context and per-investor signals are in the valuation tab.
FICO and FLEX differ on P/E, ROE, and revenue growth. See the full FICO vs FLEX compare matrix.
Buffett evaluates FICO against his respective frameworks. Per-model fair value and reasoning are in the valuation tab.
FICO's P/E ratio is 41.1x. 5-year P/E history is in the financials tab.
Investor verdicts vary by methodology. Full breakdown by investor and signal is in the valuation tab.
See exactly where FICO ranks
Sign in to unlock the full sector ranking — free.
Sign in to see the rankingFICO sits at #94 in Technology with a C grade (48/100).
