Fair Isaac Corporation (FICO) Stock Analysis
Recovery setup · Temp Headwind edge
Technology · Software - Application
Wait for pullback to $973.75. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $1021.16. Engine's entry $973.75 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%).
Fair Isaac Corporation provides the FICO Score -- the standard measure of U.S. consumer credit risk distributed through Experian, TransUnion, and Equifax -- and analytics software for fraud detection, origination, and customer management in over 80 countries. Financial services... Read more
Wait for pullback to $973.75. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $1021.16. Engine's entry $973.75 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%). Chart setup: Death cross but MACD improving, RSI 53. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.95, quality 8.8/10, growth 10.0/10). Score 6.6/10, moderate confidence.
Passes 5/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, earnings proximity 89d clear, semi cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHCustomerExperian, TransUnion and Equifax51%10-K Item 1: 'revenues generated from our agreements with Experian, TransUnion and Equifax collectively accounted for 51%... of our total revenues'
- HIGHCustomerfinancial services industry92%10-K Item 1: 'Our largest market segment is financial services, representing 92% of our total revenue during fiscal 2025'
- HIGHGeographicAmericas87%10-K Item 1: 'Our largest geographic market is the Americas, representing 87% of our total revenue during fiscal 2025'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers·2 ceiling hits
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $973.75. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $1021.16. Engine's entry $973.75 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%). Chart setup: Death cross but MACD improving, RSI 53. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.95, quality 8.8/10, growth 10.0/10). Target $1438.58 (+40.9%), stop $840.64 (−21.5%), Setup A.R:R 6.9:1. Score 6.6/10, moderate confidence.
Take-profit target: $1438.58 (+48.6% upside). Target $1438.58 (+40.9%), stop $840.64 (−21.5%), Setup A.R:R 6.9:1. Stop-loss: $840.64.
Concentration risk — Customer: Experian, TransUnion and Equifax (51.0%); Concentration risk — Customer: financial services industry (92.0%); Negative momentum.
Fair Isaac Corporation trades at a P/E of 32.5 (forward 19.0). TrendMatrix value score: 5.5/10. Verdict: Buy (Wait for Entry).
28 analysts cover FICO with a consensus score of 3.9/5. Average price target: $1598.
What does Fair Isaac Corporation do?Fair Isaac Corporation provides the FICO Score -- the standard measure of U.S. consumer credit risk distributed through...
Fair Isaac Corporation provides the FICO Score -- the standard measure of U.S. consumer credit risk distributed through Experian, TransUnion, and Equifax -- and analytics software for fraud detection, origination, and customer management in over 80 countries. Financial services represents 92% of fiscal 2025 revenue; revenues from the three major consumer reporting agencies collectively totaled 51% of revenues.