FRI Stock Chart & Stats
€1005.00
€1.00(0.10%)
At close: 4:00 PM EDT
€1005.00
€1.00(0.10%)
Day’s Range― - ―
52-Week Range€520.00 - €1,613.00
Previous CloseN/A
Volume0.00
Average Volume (3M)120.00
Market Cap
€12.72B
Enterprise Value€32.47B
Total Cash (Recent Filing)€248.44M
Total Debt (Recent Filing)€5.60B
Price to Earnings (P/E)19.0
Beta0.37
Next Earnings
Nov 11, 2026EPS Estimate
9.79Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)34.81
Shares Outstanding21,597,635
10 Day Avg. Volume247
30 Day Avg. Volume120
Financial Highlights & Ratios
PEG Ratio1.89
Price to Book (P/B)-20.78
Price to Sales (P/S)18.22
P/FCF Ratio47.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€1,081.67Price Target Upside7.63% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering16
EPS Forecast (FY)45.24
Revenue Forecast (FY)€2.53B
Bulls Say, Bears Say
Bulls Say
Platform ExpansionRapid platform ARR growth and 148% net retention indicate strong customer adoption and land-and-expand traction. As platform revenue becomes a larger share of the mix, recurring SaaS economics can improve revenue durability and reduce reliance on older, less scalable offerings over the next several quarters.
Profitability And Cash FlowExceptional margins and free-cash-flow conversion demonstrate a highly profitable business model with substantial internal funding capacity. Strong cash generation supports product investment, debt reduction, and resilience through softer demand, while high margins provide meaningful protection against operating volatility.
Scores Franchise StrengthStrong Scores growth and broad lender participation in the 10T program reinforce FICO’s role in credit decisioning. Continued model adoption can deepen distribution, strengthen the data-driven value proposition, and support recurring usage-based revenue across major lending categories.
Bears Say
High LeverageElevated debt materially reduces financial flexibility despite strong operating cash flow. Higher interest expense can absorb more of that cash, while planned deleveraging may limit capital available for buybacks or investment and leave the company more exposed if operating conditions weaken.
Legacy Revenue DeclinesDeclining non-platform ARR, revenue, and retention show that parts of the existing business are contracting as customers migrate or renew less frequently. This creates mix and execution risk because platform growth must remain strong enough to offset erosion in legacy offerings.
Mortgage Cycle ExposureMortgage activity remains sensitive to rates and affordability, creating a structural source of revenue variability for FICO’s Scores business. Prolonged weakness in originations could temper score volumes and delay the benefits of otherwise strong adoption across mortgage-related products.
Fair Isaac News
FRI FAQ
What was Fair Isaac Corporation’s price range in the past 12 months?
Fair Isaac Corporation lowest stock price was €520.00 and its highest was €1613.00 in the past 12 months.
What is Fair Isaac Corporation’s market cap?
Fair Isaac Corporation’s market cap is €12.72B.
When is Fair Isaac Corporation’s upcoming earnings report date?
Fair Isaac Corporation’s upcoming earnings report date is Nov 11, 2026 which is in 37 days.
How were Fair Isaac Corporation’s earnings last quarter?
Fair Isaac Corporation released its earnings results on Jul 29, 2026. The company reported €10.845 earnings per share for the quarter, beating the consensus estimate of €10.472 by €0.373.
Is Fair Isaac Corporation overvalued?
According to Wall Street analysts Fair Isaac Corporation’s price is currently Undervalued.
Does Fair Isaac Corporation pay dividends?
Fair Isaac Corporation does not currently pay dividends.
What is Fair Isaac Corporation’s EPS estimate?
Fair Isaac Corporation’s EPS estimate is 9.79.
How many shares outstanding does Fair Isaac Corporation have?
Fair Isaac Corporation has 21,597,635 shares outstanding.
What happened to Fair Isaac Corporation’s price movement after its last earnings report?
Fair Isaac Corporation reported an EPS of €10.845 in its last earnings report, beating expectations of €10.472. Following the earnings report the stock price went down -18.556%.
Which hedge fund is a major shareholder of Fair Isaac Corporation?
Currently, no hedge funds are holding shares in DE:FRI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Fair Isaac Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€1,081.67 (7.63% Upside)
€1,081.67 (7.63% Upside)
Blogger Sentiment
Bullish
DE:FRI Sentiment 71%
Sector Average 62%
Sector Average 62%
Insider Transactions
Sold Shares
Worth €1.2M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 9%
Bearish news 91%
Bearish news 91%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-62.94%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
9.42%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Fair Isaac Corporation
Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.
FRI Company Deck
FRI Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlights very strong financial performance (double-digit revenue and earnings growth), robust cash generation, record capital returns, and accelerating platform momentum and ARR — all of which drove an upward revision to FY guidance. Counterbalancing these positives are sector-specific headwinds (soft mortgage volumes due to higher rates), declines in legacy/non-platform revenues and professional services, elevated leverage with higher near-term interest expense, and ongoing competitive/operational risks (GSE certification delay for the DLP and score-shopping pressure from VantageScore). Overall, the positives (revenue/earnings growth, platform adoption, cash generation and strategic partnerships) outweigh the challenges, but there are clear near-term risks to monitor.View all DE:FRI earnings summariesFRI Revenue Breakdown
58.70% Scores
41.30% Software

FRI Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€1,081.67
▲(7.63% Upside)
Technical Analysis
1 Day
3 Days
1 Week
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