Fair Isaac (FICO) Stock: Buy, Sell, or Hold?
FICO - Fair Isaac Corporation
$667.58
-39.85 (-5.63%)
▼
5d:
+0.96%
30d:
-30.51%
90d:
-47.77%
WAIT
LOW Confidence
Analysis Updated: Oct 9, 2026 12:00 AM ET
Earnings: Nov 04, 2026
22d
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Oct 1, 2026 at $661.75 · last confirmed Oct 9, 2026
Strength: 7.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: FICO shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: FICO shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$2021.03
Based on 10.6% avg growth
INTRINSIC VALUE TODAY
$1254.90
46.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 24.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FICO is currently trading at $667.58, which is considered oversold relative to its 30-day fair value range of $715.63 to $1036.90. From a valuation perspective, the stock is trading at a discount (Forward PE: 13.3) compared to its historical average (24.4). Remarkably, the market is currently pricing in an annual earnings decline of 18.3% over the next few years. This pessimistic expectation contrasts with the company's recent 41.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FICO is in a strong downtrend. Immediate support is located at $586.05, while resistance sits at $853.54. Short-term momentum is weak, with the stock down 5.6% recently.
Market Sentiment: The stock scores a mixed 58/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $1117.68 (+67.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FICO is in a strong downtrend. Immediate support is located at $586.05, while resistance sits at $853.54. Short-term momentum is weak, with the stock down 5.6% recently.
Market Sentiment: The stock scores a mixed 58/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $1117.68 (+67.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$715.63 -
$1036.90
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
Protect Your Profits
Holding FICO? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (58/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-5.6%)
- BULLISH: Trading 67.4% below Wall St target ($1117.68)
- WARNING: Composite score 51/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$715.63 -
$1036.90
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$586.05
Resistance Level
$853.55
Current Trend
Strong Downtrend
Technical data as of
Oct 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.28
Wall Street Target
$1117.68
(+67.4%)
Revenue Growth (YoY)
25.7%
Earnings Growth (YoY)
41.2%
Profit Margin
34.1%
Valuation Discount vs History
-18.3% cheaper
PE vs Historical
13.3 vs 24.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-18.3%
(market-implied from PE analysis)
1-Year Target
$600.82
(-10%)
2-Year Target
$540.74
(-19%)
3-Year Target
$486.67
(-27%)
3-Yr Target (if PE normalizes)
(PE: 13→24)
$894.26
(+34%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 17.2%)
$1606.96
(+141%)
Base:
(SPY PE: 13.3, Growth: 17.2%)
$1074.45
(+61%)
Bear:
(PE: 11.3, Growth: 17.2%)
$913.28
(+37%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 20.48 | Current EPS (TTM): $34.54
Bull Case
$1132.66
(+70%)
Analyst growth 45.6%, PE expands to 22.5
Base Case
$1029.69
(+54%)
Market implied 45.6%, PE stable at 20.5
Bear Case
$481.05
(-28%)
Severe decline -20.0%, PE contracts to 17.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.3 to 24.4
Stabilization Target:
$1226.69
(+83.8%)
PE Expansion Potential:
+83.8%
Share & Embed Analysis
Last updated: October 12, 2026 9:12 AM ET
Data refreshes hourly during market hours. Next update: 10:12 AM
Data refreshes hourly during market hours. Next update: 10:12 AM
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Technical Signals Check
Is FICO showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced FICO Option Strategies
Professional options setups generated by AI based on today's FICO price and gamma walls.
