Added to YB: 2026-03-26
Pitch date: 2026-03-24
FICO [neutral]
Fair Isaac Corporation
+2.72%
current return
Author Info
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Company Info
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific.
Market Cap
$25.2B
Pitch Price
$1.0K
Price Target
N/A
Dividend
N/A
EV/EBITDA
27.75
P/E
39.35
EV/Sales
13.71
Sector
Software
Category
growth
Fair Isaac Corporation (FICO) – Deep Dive
FICO (deep dive): Data analytics co best known for FICO Score (90% of top US lenders use it). Down 58% from ATH. VantageScore 4.0 now FHFA-approved for GSE mortgages, ending FICO's exclusivity. Equifax pricing VantageScore at $4.50 vs FICO's $10, sparking price war. Software ARR +33% YoY (Platform), margins expanding (35-39% FCF/rev). Direct License Program bypasses bureaus. Est ~18% CAGR to FY2028 at 25x P/E exit multiple. Regulatory & rate risk remain.
Read full article (17 min)