FICO Fair Isaac Corporation SERVICES-BUSINESS SERVICES, NEC Best Business Services Stocks 2026 →

Fair Isaac (FICO) Stock: Buy, Sell, or Hold?

$728.85
-1.81 (-0.25%) â–ŧ
5d: +3.97% 30d: +0.8% 90d: -34.38%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (70%)
Quality Score
47/100
Position
FAIR
30-Day Fair Range
$664.31 – $779.94
Position: FAIR
Forward P/E & Valuation
15.8x CHEAP
vs 23.5x historical avg
Wall Street Target
$821.79
+12.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$653.40 / $760.65
Trend: Strong Downtrend
💡Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
ℹī¸ NEUTRAL: FICO is fairly priced but lacks strong directional signals. At -12.4% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.

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Interactive Price Chart (1 Month)

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Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$1471.71
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$913.82
20.2% 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 23.5x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: FICO is currently trading at $728.85, which is considered fair relative to its 30-day fair value range of $664.31 to $779.94. From a valuation perspective, the stock is trading at a discount (Forward PE: 15.8) compared to its historical average (23.5). Remarkably, the market is currently pricing in an annual earnings decline of 12.4% over the next few years. This pessimistic expectation contrasts with the company's recent 26.5% 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 $653.40, while resistance sits at $760.65.

Market Sentiment: The stock scores a mixed 57/100 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 $821.79 (+12.5%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position FAIR
Historical Trading Range $664.31 - $779.94
Company Quality Score 47/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 70.0%

Trading Range & Key Levels

30-Day Trading Range $664.31 - $779.94
Current vs Trading Range FAIR
Support Level $653.40
Resistance Level $760.65
Current Trend Strong Downtrend
Technical data as of Nov 11, 2026

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Quantitative Signal Breakdown

  • NEUTRAL: Price in fair range
  • NEUTRAL: Mixed technical signals (57/100)
  • BULLISH: High volume confirmation
  • BULLISH: Trading below Wall St target ($821.79)
  • WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market

Fundamental Context

Forward P/E (Next Year Est.) 15.79
Wall Street Target $821.79 (+12.5%)
Revenue Growth (YoY) 27.4%
Earnings Growth (YoY) 26.5%
Profit Margin 32.9%
Valuation Discount vs History -12.4% cheaper
PE vs Historical 15.8 vs 23.5 CHEAP
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -12.4% (market-implied from PE analysis)
1-Year Target $657.59 (-10%)
2-Year Target $591.83 (-19%)
3-Year Target $532.65 (-27%)
3-Yr Target (if PE normalizes) (PE: 16→24) $792.77 (+9%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 19.9, Growth: 8.5%) $1173.19 (+61%)
Base: (SPY PE: 15.8, Growth: 8.5%) $932.72 (+28%)
Bear: (PE: 13.4, Growth: 8.5%) $792.81 (+9%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 19.40 | Current EPS (TTM): $37.31
Bull Case $987.45 (+35%)
Analyst growth 24.0%, PE expands to 21.3
Base Case $897.68 (+23%)
Market implied 24.0%, PE stable at 19.4
Bear Case $492.16 (-33%)
Severe decline -20.0%, PE contracts to 16.5
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 15.8 to 23.5
Stabilization Target: $1087.48 (+48.8%)
PE Expansion Potential: +48.8%
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Reddit & Retail Trader Sentiment (FICO)

Bullish 2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 8, 2026
Daily AI digest
AI Retail Discussion Summary: StockTwits messages reveal bullish sentiment towards $FICO with no recent news articles available.
Key Retail Themes: Bullish sentiment
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams. View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 3:55 PM ET
Data refreshes hourly during market hours. Next update: 4:55 PM
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Technical Signals Check

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Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL

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