Insider buying last 90 days
No open-market insider purchases were filed for FICO in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every FICO insider filing, plotted on the chart in Gekko.Open FICO in Gekko
NYSE: FICO
Fair Isaac (FICO) Stock Analysis & Forecast
Sep 28 close
$840.89−22.20 (−2.6%)
Gekko Brief
AI summaryFICO shares fell this week after the Federal Housing Finance Agency announced it will let Fannie Mae and Freddie Mac incorporate VantageScore alongside FICO Classic scores in mortgage pricing, introducing direct competition to FICO's credit scoring position. The stock traded near its 52-week low through the week, with commentary framing the move as a threat to the company's mortgage-scoring franchise, even as the company's Q3 FY2026 results showed revenue of $674.19 million, up 25.7% year-over-year, and raised fiscal 2026 guidance. Wells Fargo reiterated a Buy rating on FICO with a price target of $1,350.00 during the same stretch.
The stock closes at $840.89, down 2.6%, sitting below both its 50-day average of $1076.14 and 200-day average of $1242.14, with the 50-day below the 200-day. The GekkoIndex reads 71.4, placing FICO in the Buying zone, while price sits 13.2% below Gekko Fair Value of $968.55.
The next earnings report is set for 4 November 2026, after the close, falling outside a typical 20-trading-day hold. Options activity shows 1 unusual signal over the last 30 days, tilted toward put premium of $516,810 with no call premium recorded. Seasonality from this point in the calendar has averaged a 4.6% gain over the next 20 trading days across 5 years, rising in 3 of them. Analyst consensus across 13 firms stands at 9 buy and 4 hold ratings, with a consensus target of $1,434.89.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Fair Isaac price vs fair value
Close $840.89200-day averageGekko Fair Value $968.55
Fair Isaac quick facts
- Market cap
- $18.16B
- P/E ratio
- 25
- Forward P/E
- 16.1
- EPS, TTM
- $34.52
- Revenue, TTM
- $2.39B
- Profit margin
- 34.1%
- Dividend yield
- —
- Beta
- 1.32
- Volume
- 346,177 avg 444,424
- 1-year return
- −45.7%
- Typical daily move
- ±4.4%
- Typical 20-day move
- ±8%
- 50-day average
- $1,076.14
- 200-day average
- $1,242.14
- Next earnings
- Nov 4 after close
- Shares outstanding
- 21.60M
Fair Isaac swing-trade checklist
Fair Isaac scores 4 supportive, 0 mixed and 2 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $840.89 is below the 50-day ($1076.14) and 200-day ($1242.14) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
71.4, Buying
Reading 71.4 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
13.2% below
Price is 13.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyheadwind
Leans bearish
Last 30 days: 1 unusual options signal.
See smart money - Earnings risksupportive
Reports in 36 days
Next report Nov 4, 2026, 36 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+4.6% on average
From this point in the calendar, the next 20 trading days averaged +4.6% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Fair Isaac stock chart and price history
Fair Isaac closed at $840.89 on Sep 28, 2026, −45.7% over the past year, inside a 52-week range of $832.00 to $1,998.01.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −27.3%
- 3 months
- −28.6%
- 6 months
- −16.8%
- 1 year
- −45.7%
The full FICO chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open FICO in Gekko
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About Fair Isaac
Fair Isaac builds analytics tools, software, and data management services that help organizations automate and connect their decision-making processes. Its clients span the Americas, Europe, the Middle East, Africa, and Asia Pacific. Fair Isaac is widely recognized for its scoring products, which businesses and individuals both rely on for credit and risk-related decisions.
The company runs two segments. Software provides ready-made decision management tools covering areas such as marketing, account setup, customer engagement, fraud prevention, compliance with financial crime rules, and debt collection, supported by professional services and anchored by the FICO Platform, along with standalone analytical software that clients can adapt. Scores serves two audiences: corporate customers get scoring analytics woven into their transaction and decision systems, while individual consumers can access personal scores through services like myFICO.com. Products reach the market through a direct sales team, indirect partners, and online channels.
Fair Isaac traces back to 1956, originally named Fair Isaac & Company, Inc., before becoming Fair Isaac Corporation in July 1992. It is headquartered in Bozeman, Montana, and its shares are listed on the NYSE under the ticker FICO.
- Listed
- NYSE
- Sector
- Commercial services
- Industry
- Financial publishing/Services
- Website
- fico.com
Fair Isaac GekkoIndex: the smart money zone
Fair Isaac’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 71.4, in the Buying zone, up 2.1 points over five sessions.
71.4Buying
Up 2.1 points over five sessions, from the Accumulation zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 43 | +0.5% | +1.1% | ||
| Accumulation | 220 | +0.1% | −1.0% | ||
| Neutral | 351 | +0.2% | +0.4% | ||
| Distribution | 50 | −1.6% | 0.0% | ||
| Selling | 8 | Too few readings yet | |||
Average FICO share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the FICO price, zone by zone.Track FICO in Gekko
Is Fair Isaac stock overvalued? Gekko Fair Value
Fair Isaac trades 13.2% below Gekko Fair Value of $968.55, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Fair Isaac shares are worth, recalculated every trading day.
$968.55
Gekko Fair Value, Sep 29, 2026
13.2% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open FICO in Gekko
Fair Isaac insider and Congress trading
No open-market insider purchases were filed for Fair Isaac, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in FICO were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for FICO, plotted on the chart in Gekko.Open FICO in Gekko
Buybacks
Fair Isaac has been buying back its own shares.
- Latest authorization
- $2.00B, Jun 8, 2026
- Bought back, quarter ended Jun 30, 2026
- $2.27B
- As a share of market cap
- 12.50%
- Trailing four quarters
- $3.59B
From company filings.
Unusual options activity last 30 days
1signal, 0% of the flagged premium in calls.
Latest: Bullish flow on Sep 26, $517K in unusual premium.
Hedge funds and billionaires quarter ended Jun 30
2of the funds Gekko tracks hold FICO.
0added1opened1trimmed1sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
Fair Isaac earnings: next date and track record
Fair Isaac reports on Nov 4, 2026, after the close (36 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Nov 4, 2026
Expected after the close, 36 days away
- EPS estimate
- $11.08
- Revenue estimate
- $664.0M
7 of 8reports beat the EPS estimate
±5.1%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 29, 2026 AI summary
- What they said
- FICO reported Q3 2026 revenues of $674M, up 26% YoY, with GAAP EPS of $10.45 (up 41%) and non-GAAP EPS of $12.18 (up 42%). Free cash flow reached $370M in Q3 and $961M over the trailing four quarters, up 28%. Scores segment revenue surged 41% to $459M, while Software grew 2% to $215M with platform revenue up 66%. FICO repurchased $1.96B in shares, exceeding 3x its historical record quarter.
- Guidance
- Management raised fiscal 2026 guidance following the strong Q3 results. No specific revenue or EPS targets were detailed in the excerpt provided.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 29, 2026 | $12.18 est $11.76 | $674.2M est $679.2M | −14.7% |
| Apr 28, 2026 | $12.50 est $10.89 | $691.7M est $630.2M | +2.9% |
| Jan 28, 2026 | $7.33 est $7.08 | $512.0M est $501.3M | −2.8% |
| Nov 5, 2025 | $7.74 est $7.32 | $515.8M est $513.3M | +4.3% |
| Jul 30, 2025 | $8.57 est $7.71 | $536.4M est $515.3M | −4.5% |
| Apr 29, 2025 | $7.81 est $7.48 | $498.7M est $499.8M | +2.4% |
| Feb 4, 2025 | $5.79 est $6.09 | $440.0M est $452.2M | +1.1% |
| Nov 6, 2024 | $6.54 est $6.39 | $453.8M est $447.9M | +8.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Fair Isaac stock forecast and analyst price targets
Analysts’ average 12-month price target for Fair Isaac is $1,434.89, +70.6% from the last close, from 13 firms rating the stock in the last 90 days.
$1,434.89consensus 12-month target, +70.6% from the last close
Now $840.89Avg $1,434.89
Low $1,100High $1,700
Each firm’s latest rating in the last 90 days: 13 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 22 | Wells Fargo | $1,350 | +60.5% |
| Sep 17 | Barclays | $1,700 | +102.2% |
| Sep 14 | UBS | $1,100 | +30.8% |
| Sep 14 | Clear Street | $1,600 | +90.3% |
| Sep 11 | UBS | $1,100 | +30.8% |
+1.1%average 20-day move after past Buying readings
+4.6%average move over the next 20 trading days in the last 5 years
±4.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Fair Isaac seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Fair Isaac averaged +4.6% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +3.8% | 3 of 5 |
| Next 10 trading days | +2.3% | 3 of 5 |
| Next 15 trading days | +2.6% | 4 of 5 |
| Next 20 trading days | +4.6% | 3 of 5 |
| Next 30 trading days | +17.1% | 4 of 5 |
For scale, FICO’s typical 20-trading-day move in either direction is about 8%.
Fair Isaac market cap and key statistics
Fair Isaac’s market cap is $18.16B, with a P/E ratio of 25 and revenue of $2.39B over the last twelve months.
Valuation
- Market cap
- $18.16B
- P/E ratio
- 25
- Forward P/E
- 16.1
- EPS, TTM
- $34.52
- Gekko Fair Value
- $968.55
Trading
- Volume
- 346,177
- Avg volume, 20 days
- 444,424
- 52-week high
- $1,998.01
- 52-week low
- $832.00
- Shares outstanding
- 21.60M
Financials
- Revenue, TTM
- $2.39B
- Profit margin
- 34.1%
- Return on equity
- 35.6%
- Quarterly earnings growth, YoY
- +41.2%
Risk and income
- Beta
- 1.32
- Typical daily move
- ±4.4%
- Typical 20-day move
- ±8%
Fair Isaac stock news this week
Coverage of Fair Isaac this week reads negative: 4 positive, 1 neutral and 5 negative headlines.
- FICO stock tumbles as US moves to break mortgage scoring monopolyYahoo Finance, Sep 28
- Fair Isaac stock gained 0.77 percent on September 25 near 52-week lowAD HOC NEWS, Sep 28
- Fair Isaac stock falls 2.63 percent as mortgage risk persistsAD HOC NEWS, Sep 25
- Fair Isaac stock heads into the open after a 1.4 percent dropAD HOC NEWS, Sep 25
- Why Is FICO Stock Crashing, and is it a Generational Buying Opportunity?Fool - Investing News, Sep 24
- Fair Isaac stock falls 1.16 percent as mortgage concerns persistAD HOC NEWS, Sep 24
Fair Isaac peers
Fair Isaac’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| SPGIS&P Global | Accumulation | 14.1% below |
| MCOMoody's | Accumulation | 10.8% below |
| MSCIMSCI | Accumulation | 11.9% below |
| EFXEquifax | Buying | 12.3% below |
| TRUTransUnion | Buying | 23.4% below |
| FDSFactSet Research Systems | Accumulation | 3.2% below |
A peer links to its own page where one exists.
Fair Isaac stock FAQ
What is Fair Isaac’s market cap?
Fair Isaac’s market cap is $18.16B at the Sep 28, 2026 close of $840.89, with 21.60M shares outstanding. The shares trade on a P/E ratio of 25.
What is the Fair Isaac stock forecast?
The consensus analyst 12-month price target for Fair Isaac is $1,434.89, +70.6% from the last close. Of the 13 firms that rated the stock in the last 90 days, 9 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Fair Isaac stock overvalued or undervalued?
On Gekko’s estimate Fair Isaac is undervalued: the Sep 28, 2026 close of $840.89 is 13.2% below Gekko Fair Value of $968.55. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Fair Isaac report earnings next?
Fair Isaac is expected to report on Nov 4, 2026, after the market closes (36 days away). Analysts expect earnings of $11.08 per share on revenue of $664.0M. Fair Isaac beat the earnings estimate in 7 of its last 8 reports, moving 5.1% on average across the report.
What is Fair Isaac’s 52-week high and low?
Fair Isaac’s 52-week high is $1,998.01 and its 52-week low is $832.00; it closed at $840.89 on Sep 28, 2026, −45.7% over the past year. Over the last five years the shares peaked at $2,402.52 on Nov 13, 2024.
Is Fair Isaac stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, earnings risk and seasonality) and 2 as headwinds (trend and smart money). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in Fair Isaac?
Gekko flagged 1 unusual options signal in Fair Isaac over the last 30 days, with $0 of flagged premium in calls and $517K in puts. The latest, bullish flow, was on Sep 26, 2026 with $517K in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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