Fair Isaac Corporation (FICO) Stock Analysis
Recovery setup
Technology · Software - Application
Hold if already holding. Not a fresh buy at $985.41, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%).
Fair Isaac Corporation provides the FICO Score -- the standard measure of U.S. consumer credit risk distributed through Experian, TransUnion, and Equifax -- and analytics software for fraud detection, origination, and customer management in over 80 countries. Financial services... Read more
Hold if already holding. Not a fresh buy at $985.41, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%). Chart setup: Death cross but MACD improving, RSI 57. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.
Passes 7/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, positive momentum, no SEC red flags, earnings proximity 90d clear, semi cycle peak clear). Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHCustomerExperian, TransUnion and Equifax51%10-K Item 1: 'revenues generated from our agreements with Experian, TransUnion and Equifax collectively accounted for 51%... of our total revenues'
- HIGHCustomerfinancial services industry92%10-K Item 1: 'Our largest market segment is financial services, representing 92% of our total revenue during fiscal 2025'
- HIGHGeographicAmericas87%10-K Item 1: 'Our largest geographic market is the Americas, representing 87% of our total revenue during fiscal 2025'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Analyst Consensus
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $985.41, but acceptable to hold if already in. Reasons: Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%). Chart setup: Death cross but MACD improving, RSI 57. Maintain position. Not compelling to add more. Target $1438.58 (+46.0%), stop $910.46 (−8.2%), A.R:R 3.4:1. Score 5.9/10, moderate confidence.
Take-profit target: $1438.58 (+46.9% upside). Target $1438.58 (+46.0%), stop $910.46 (−8.2%), A.R:R 3.4:1. Stop-loss: $910.46.
Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%); Elevated risk factors.
Fair Isaac Corporation trades at a P/E of 33.1 (forward 19.5). TrendMatrix value score: 5.4/10. Verdict: Hold.
28 analysts cover FICO with a consensus score of 3.9/5. Average price target: $1598.
What does Fair Isaac Corporation do?Fair Isaac Corporation provides the FICO Score -- the standard measure of U.S. consumer credit risk distributed through...
Fair Isaac Corporation provides the FICO Score -- the standard measure of U.S. consumer credit risk distributed through Experian, TransUnion, and Equifax -- and analytics software for fraud detection, origination, and customer management in over 80 countries. Financial services represents 92% of fiscal 2025 revenue; revenues from the three major consumer reporting agencies collectively totaled 51% of revenues.