Has The Recent Slide In Fair Isaac (FICO) Opened A Valuation Opportunity?

Simply Wall St.06-10

If you are wondering whether Fair Isaac at around US$1,225 per share looks expensive or attractive, the answer depends heavily on how you think about value in the first place. The stock has been ...

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The stock has been ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/has-the-recent-slide-in-fair-isaac-fico-opened-a-valuation-o\">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>Has The Recent Slide In Fair Isaac (FICO) Opened A Valuation Opportunity?</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\">\nHas The Recent Slide In Fair Isaac (FICO) Opened A Valuation Opportunity?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-06-10 21:23 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/has-the-recent-slide-in-fair-isaac-fico-opened-a-valuation-o><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Fair Isaac at around US$1,225 per share looks expensive or attractive, the answer depends heavily on how you think about value in the first place. The stock has been ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/has-the-recent-slide-in-fair-isaac-fico-opened-a-valuation-o\">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":"IE00B64QTZ34.USD","symbol_name":"NEUBERGER BERMAN US SMALL CAP \"A\" (USD) ACC","start_time":0,"source_url":"https://simplywall.st/stocks/us/software/nyse-fico/fair-isaac/news/has-the-recent-slide-in-fair-isaac-fico-opened-a-valuation-o","article_id":"2642424374","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/has-the-recent-slide-in-fair-isaac-fico-opened-a-valuation-o","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2642424374","pubTimestamp":1781097837,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Fair Isaac at around US$1,225 per share looks expensive or attractive, the answer depends heavily on how you think about value in the first place.\nThe stock has been volatile recently, with a 7 day move of around 2.1% lower, an 8.8% gain over the past month, a decline of 25.4% year to date, and a 31.4% decline over the last year, set against longer term gains of 52.8% over 3 years and 145.3% over 5 years.\nRecent coverage has focused on how Fair Isaac fits into...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"IE00B64QTZ34.USD":"NEUBERGER BERMAN US SMALL CAP \"A\" (USD) ACC","BK4211":"区域性银行","BK4023":"应用软件","LU2360106780.USD":"BGF WORLD TECHNOLOGY \"A4\" (USD) INC","BK4585":"ETF&股票定投概念","LU0353189680.USD":"富国美国全盘成长基金Cl A Acc","FICO":"Fair Isaac Corp","BK4608":"AI应用概念股","LU2087625088.SGD":"ALLSPRING  US ALL CAP GROWTH \"A\" (SGDHDG) ACC","FCF":"第一联邦金融","LU0289961442.SGD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"AX\" (SGD) ACC","IE00BLDYK493.USD":"NEUBERGER BERMAN US SMALL CAP \"A\" (USD) INC","LU0353189763.USD":"ALLSPRING  US ALL CAP GROWTH FUND \"I\" (USD) ACC","LU0069063385.USD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (USD) ACC","LU0472753341.HKD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (HKD) ACC","LU0057025933.USD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"AX\" (USD) ACC","LU0056508442.USD":"贝莱德世界科技基金A2","BK4588":"碎股","LU0289739343.SGD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (SGD) ACC","DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc","LU0511384066.AUD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (AUDHDG) ACC","LU1852331112.SGD":"Blackrock World Technology Fund A2 SGD-H","LU2250418816.HKD":"BGF WORLD TECHNOLOGY \"A\" (HKD) ACC"},"translate_title":"Fair Isaac(FICO)最近的下滑是否带来了估值机会？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FCF":1,"FICO":1.5,"DCF":1},"content_text":"If you are wondering whether Fair Isaac at around US$1,225 per share looks expensive or attractive, the answer depends heavily on how you think about value in the first place. The stock has been volatile recently, with a 7 day move of around 2.1% lower, an 8.8% gain over the past month, a decline of 25.4% year to date, and a 31.4% decline over the last year, set against longer term gains of 52.8% over 3 years and 145.3% over 5 years. Recent coverage has focused on how Fair Isaac fits into evergreen themes like data driven decision tools and credit scoring. This helps frame how investors think about its long term role in portfolios. That backdrop is important context for the recent swings in the share price, as sentiment around these themes can shift quickly even when long term narratives change more slowly. On Simply Wall St's valuation checklist, Fair Isaac currently scores 1 out of 6 for signs of being undervalued. The next sections will compare different valuation approaches and then finish with a way of thinking about value that goes beyond the usual ratios and models.  Fair Isaac scores just 1/6 on our valuation checks. See what other red flags we found in the full valuation breakdown. AdvertisementApproach 1: Fair Isaac Discounted Cash Flow (DCF) Analysis A Discounted Cash Flow model takes estimates of a company’s future cash flows, then discounts them back to today’s dollars to arrive at an intrinsic value per share. For Fair Isaac, the latest twelve month Free Cash Flow (FCF) is about $873.9 million. Analysts and model inputs project FCF out to 2035 using a 2 Stage Free Cash Flow to Equity approach. That includes an estimate of $1,935.5 million in FCF for 2030, with analyst sources used for the nearer years and Simply Wall St extrapolations beyond the typical 5 year analyst window. When those projected cash flows are discounted back using the DCF model, the estimated intrinsic value comes out at roughly $1,462.53 per share. At a share price around $1,225, this implies Fair Isaac trades at about a 16.2% discount to this DCF estimate, which indicates the stock appears undervalued on this specific model. Result: UNDERVALUED Our Discounted Cash Flow (DCF) analysis suggests Fair Isaac is undervalued by 16.2%. Track this in your watchlist or portfolio, or discover 46 more high quality undervalued stocks. FICO Discounted Cash Flow as at Jun 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 a profitable company like Fair Isaac, the P/E ratio is a useful shorthand for how much investors are paying today for each dollar of current earnings. It ties the share price directly to profits, which many investors watch closely. What counts as a “normal” P/E depends on how the market views a company’s growth prospects and risk. Higher expected growth or lower perceived risk can justify a higher multiple, while slower expected growth or higher risk tends to align with a lower one. Fair Isaac currently trades on a P/E of about 37.4x. That is above the wider Software industry average of roughly 27.3x and also above the peer group average of about 21.8x. Simply Wall St’s “Fair Ratio” for Fair Isaac, at around 35.1x, is a proprietary estimate of what the P/E might be based on factors such as earnings growth, industry, profit margins, market cap and risk profile. This Fair Ratio can be more tailored than a simple comparison with peers or the industry, because it tries to account for company specific characteristics instead of just grouping all software stocks together. With the current P/E of 37.4x sitting somewhat above the Fair Ratio of 35.1x, Fair Isaac appears slightly expensive on this metric. Result: OVERVALUED NYSE:FICO P/E Ratio as at Jun 2026 Wall Street's queuing for one rocket. While SpaceX counts down to its IPO, other companies tied to the new space race are already in orbit. → 20 Compelling Space Companies watchlist · Global Space Race Investing Ideas screener · Scan the sector by valuation on Rocket Lab's valuation page. Upgrade Your Decision Making: Choose your Fair Isaac Narrative Earlier the article mentioned that there is an even better way to understand valuation. Narratives on Simply Wall St let you attach a clear story about Fair Isaac to the numbers by linking your view of its future revenue, earnings and margins to a financial forecast, a fair value and then a simple comparison with today’s share price. This is all contained within an easy Community page tool that updates automatically as fresh news or earnings arrive and that can capture very different perspectives, such as a cautious view anchored around a fair value of about US$874 per share and a more optimistic view anchored around a fair value of roughly US$2,500 per share. For Fair Isaac however, we will make it really easy for you with previews of two leading Fair Isaac Narratives: 🐂 Fair Isaac Bull Case Fair value in this bullish narrative: about US$1,552.52 per share. At a recent price of US$1,225.15, this view implies Fair Isaac is about 21.1% below that narrative fair value. Revenue growth assumption: 15.43% a year.  Sees the cloud and SaaS transition, AI decision tools and partnerships as supportive of recurring revenue and margins over time. Leans on analyst assumptions for faster revenue growth, higher profit margins and ongoing share buybacks to support higher earnings by 2029. Accepts risks around regulation, competition and mortgage score pricing, but still views the analyst consensus fair value as achievable if those risks are managed.  🐻 Fair Isaac Bear Case Fair value in this bearish narrative: about US$874.47 per share. At a recent price of US$1,225.15, this view implies Fair Isaac is about 40.1% above that narrative fair value. Revenue growth assumption: 14.04% a year.  Focuses on pressure from cheaper mortgage scores, tighter data rules and alternative credit models that could weigh on Fair Isaac's pricing power. Builds in slightly lower growth and a much lower future P/E multiple, which pulls the fair value well below the current share price. Acknowledges that the business could still grow, but argues that the stock price already bakes in more optimistic outcomes than this narrative is willing to assume.  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. 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