Is There Now An Opportunity In Fair Isaac (FICO) After A 50% One-Year Slump?

Simply Wall St.06:53

For readers wondering whether Fair Isaac, at around US$1,064 per share, is now a bargain or still richly priced, this article walks through what the numbers indicate about the stock's value. The share...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2635752829?lang=en_US&edition=fundamental","thumbnail":"https://images.simplywall.st/asset/industry/8041000-choice2-main-header/1585186556238","is_english":true,"pubTime":"2026-05-14 06:53","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2635752829","market":"nz","top_or_hot":-1,"title":"Is There Now An Opportunity In Fair Isaac (FICO) After A 50% One-Year Slump?","media":"Simply Wall St.","content":"<div>\n<p>For readers wondering whether Fair Isaac, at around US$1,064 per share, is now a bargain or still richly priced, this article walks through what the numbers indicate about the stock's value. The share...</p>\n\n<a href=\"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/is-there-now-an-opportunity-in-fair-isaac-fico-after-a-50-on\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is There Now An Opportunity In Fair Isaac (FICO) After A 50% One-Year Slump?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs There Now An Opportunity In Fair Isaac (FICO) After A 50% One-Year Slump?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-05-14 06:53 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/is-there-now-an-opportunity-in-fair-isaac-fico-after-a-50-on><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>For readers wondering whether Fair Isaac, at around US$1,064 per share, is now a bargain or still richly priced, this article walks through what the numbers indicate about the stock's value. The share...</p>\n\n<a href=\"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/is-there-now-an-opportunity-in-fair-isaac-fico-after-a-50-on\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0353189680.USD","symbol_name":"富国美国全盘成长基金Cl A Acc","start_time":0,"source_url":"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/is-there-now-an-opportunity-in-fair-isaac-fico-after-a-50-on","article_id":"2635752829","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/8041000-choice2-main-header/1585186556238"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/is-there-now-an-opportunity-in-fair-isaac-fico-after-a-50-on","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2635752829","pubTimestamp":1778712801,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"For readers wondering whether Fair Isaac, at around US$1,064 per share, is now a bargain or still richly priced, this article walks through what the numbers indicate about the stock's value.\nThe share price has been relatively flat over the last 7 days, edging down 0.2%. It has risen 6.4% over the past month while still sitting well below its levels from earlier in the year, with the stock down 35.2% year to date and 49.9% over the last 12 months.\nThese moves come as investors reassess Fair...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0353189680.USD":"富国美国全盘成长基金Cl A Acc","BK4608":"AI应用概念股","DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc","IE00BLDYK493.USD":"NEUBERGER BERMAN US SMALL CAP \"A\" (USD) INC","LU0353189763.USD":"ALLSPRING  US ALL CAP GROWTH FUND \"I\" (USD) ACC","BK4023":"应用软件","LU0472753341.HKD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (HKD) ACC","LU0069063385.USD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (USD) ACC","IE00B64QTZ34.USD":"NEUBERGER BERMAN US SMALL CAP \"A\" (USD) ACC","LU0057025933.USD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"AX\" (USD) ACC","LU0289739343.SGD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (SGD) ACC","BK4585":"ETF&股票定投概念","LU0511384066.AUD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (AUDHDG) ACC","LU0056508442.USD":"贝莱德世界科技基金A2","LU1852331112.SGD":"Blackrock World Technology Fund A2 SGD-H","FICO":"Fair Isaac Corp","LU2250418816.HKD":"BGF WORLD TECHNOLOGY \"A\" (HKD) ACC","LU2360106780.USD":"BGF WORLD TECHNOLOGY \"A4\" (USD) INC","BK4588":"碎股","LU0289961442.SGD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"AX\" (SGD) ACC","LU2087625088.SGD":"ALLSPRING  US ALL CAP GROWTH \"A\" (SGDHDG) ACC"},"translate_title":"Fair Isaac(FICO)在经历了一年50%的暴跌后，现在还有机会吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FICO":1.5,"DCF":1},"content_text":"For readers wondering whether Fair Isaac, at around US$1,064 per share, is now a bargain or still richly priced, this article walks through what the numbers indicate about the stock's value. The share price has been relatively flat over the last 7 days, edging down 0.2%. It has risen 6.4% over the past month while still sitting well below its levels from earlier in the year, with the stock down 35.2% year to date and 49.9% over the last 12 months. These moves come as investors reassess Fair Isaac after a period in which expectations around growth, profitability and competitive position have been closely watched. Headlines have focused on how a higher share price in prior years compares to recent trading levels. This context matters because it shapes how the current valuation is interpreted, whether as a reset in expectations or as a potential mispricing. Fair Isaac currently holds a valuation score of 3 out of 6. The rest of this article looks at how different valuation approaches arrive at that score, then finishes with a framework that can help you judge whether the headline valuation fits your own view of the stock.  Find out why Fair Isaac's -49.9% return over the last year is lagging behind its peers. AdvertisementApproach 1: Fair Isaac Discounted Cash Flow (DCF) Analysis A Discounted Cash Flow, or DCF, model takes projected cash flows that a company is expected to generate in the future and discounts them back to what they are worth in today’s dollars. It aims to answer one question for you: what is the stock worth based purely on those cash flows. For Fair Isaac, the model used is a 2 Stage Free Cash Flow to Equity approach. The latest twelve month free cash flow is about $873.9 million. Analyst and extrapolated projections supplied to Simply Wall St point to free cash flow figures between $1,038.2 million in 2026 and $1,935.5 million in 2030, all in $. Beyond the analyst window, later years are extrapolated rather than directly forecast by analysts. Discounting this stream of projected cash flows back to today results in an estimated intrinsic value of about $1,480.12 per share, compared with a current share price of around $1,064. Based on this DCF output, the stock screens as 28.1% undervalued on these assumptions. Result: UNDERVALUED Our Discounted Cash Flow (DCF) analysis suggests Fair Isaac is undervalued by 28.1%. Track this in your watchlist or portfolio, or discover 46 more high quality undervalued stocks. FICO Discounted Cash Flow as at May 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Fair Isaac. Approach 2: Fair Isaac Price vs Earnings For profitable companies, the P/E ratio is often a useful yardstick because it links what you pay for the stock to the earnings the business is currently generating. It also incorporates the market’s view on future growth and risk, since investors usually accept a higher P/E only if they expect stronger earnings or see the earnings as relatively resilient. Fair Isaac currently trades on a P/E of 32.5x. That sits above the wider Software industry average of about 28.0x and above the peer group average of 22.4x, which suggests investors are willing to pay a premium compared with many similar stocks. Simply Wall St’s Fair Ratio for Fair Isaac is 36.1x, which is the P/E that would typically be expected once factors such as earnings growth, profit margins, industry, market cap and risk profile are taken into account. The Fair Ratio is more tailored than a simple comparison to peers or the industry, because it adjusts for company specific traits rather than assuming all Software stocks deserve the same multiple. With Fair Isaac’s current P/E of 32.5x sitting below the Fair Ratio of 36.1x, the stock screens as undervalued on this metric. Result: UNDERVALUED NYSE:FICO P/E Ratio as at May 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 20 top founder-led companies. Upgrade Your Decision Making: Choose your Fair Isaac Narrative Earlier it was mentioned that there is an even better way to understand valuation, so meet Narratives, a simple way for you to spell out your story for Fair Isaac by linking your assumptions about future revenue, earnings and margins to a forecast and then to a fair value, all inside the Simply Wall St Community page where millions of investors share their views. Instead of stopping at a P/E or DCF output, a Narrative lets you explain why you think Fair Isaac should be closer to the more cautious fair value around US$889, or nearer the higher fair values such as US$1,728 or even US$2,500. It then compares that fair value with the current share price so you can decide whether the stock appears expensive or cheap based on your own numbers. The benefit for you is that Narratives are not static. They update as new earnings, guidance, news or analyst targets come in, so your Fair Isaac story and fair value stay aligned with fresh information rather than a one-off spreadsheet that quickly goes out of date. For Fair Isaac, here are previews of two leading Fair Isaac Narratives to make comparison easier: These give you a structured way to compare an upside case and a more cautious case, using consistent assumptions on growth, margins and valuation multiples rather than just reacting to headlines. 🐂 Fair Isaac Bull Case Fair value in this bullish narrative: US$1,728.39 per share. Implied discount to that fair value at the last close of US$1,064.64: about 38.4% below the narrative fair value. Assumed revenue growth: 17.69% a year.  Focuses on growth in FICO Score 10 T and new BNPL focused scoring products, with analysts using these to support higher future revenues from lenders. Builds in expanding FICO Platform and SaaS adoption, with higher recurring revenue and margin expansion feeding into earnings growth and a future P/E of 36.7x in 2029. Flags risks from VantageScore competition, regulatory changes and slower software growth, but still arrives at a consensus fair value that sits well above the current share price.  🐻 Fair Isaac Bear Case Fair value in this cautious narrative: US$889.08 per share. Implied premium to that fair value at the last close of US$1,064.64: about 19.7% above the narrative fair value. Assumed revenue growth: 13.61% a year.  Builds in tighter data privacy rules, alternative credit models and cheaper rival scores as headwinds that could limit growth and pressure Fair Isaac's traditional scoring business. Assumes a lower future P/E of 17.5x, alongside moderating margin expectations, which pulls the fair value estimate below the current share price. Still acknowledges potential support from SaaS adoption and international expansion, but treats current market expectations as too optimistic relative to these risks.  Together these Narratives frame a wide but clearly defined valuation range. You can use this to stress test your own assumptions about Fair Isaac's growth, margins and competitive pressures before deciding how the current price fits your portfolio and risk tolerance. See what the community is saying about Fair Isaac Do you think there's more to the story for Fair Isaac? Head over to our Community to see what others are saying! NYSE:FICO 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n        and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n        financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n        Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n        Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.42.2","shortVersion":"4.42.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2635752829","isCrawlerRequest":true}