Value
5.1/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 3.3 |
| P/S | 2.0 |
| EV/EBITDA | 0.0 |
| Fwd P/E | 6.0 |
| PEG | 8.3 |
| Analyst target | 7.5 |
- ▸Forward P/E: 21.7x
- ▸PEG: 0.79
FICO · Why this verdict
Why Fair Isaac (FICO) is rated BUY WAIT
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictBUY WAIT
Overall score6.5/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
9.0/10data confidence 100%| Component | Sub-score |
|---|---|
| ROA | 10.0 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Current ratio | 7.7 |
| FCF quality | 6.8 |
| Moat | 7.0 |
| Rule of 40 | 9.5 |
| Piotroski F | 10.0 |
- ▸Strong margins: 34%
- ▸Rule of 40: 71 (elite)
- ▸Strong Piotroski F-Score: 9/9
- ▸High-quality business
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 39% YoY
Momentum
1.7/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 0.0 |
| OBV | 1.0 |
| MA position | 3.0 |
| Volume | 0.0 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA, MA slope -2.5%/30d — confirmed downtrend
Sentiment
8.0/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 8.0 |
| Analyst rating | 7.5 |
| Price target | 8.5 |
- ▸LLM news sentiment: +0.60 (n=1)
- ▸Analyst upside: 29%
Insider
5.1/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.2 |
- ▸No net insider activity — $0 (0.000% of mkt cap)
Peer rank
6.3/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 2.0 |
| quality rank | 9.1 |
| growth rank | 9.1 |
- ▸Best-in-class margins
- ▸Industry growth leader
Technical
4.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.9 |
| support resistance | 6.0 |
| 52w position | 0.7 |
| gap | 5.0 |
Risk (lower is worse)
4.6/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 5.2 |
| days to cover | 5.4 |
| volatility | 0.0 |
| put call | 8.8 |
| implied vol | 0.0 |
| max pain risk | 7.0 |
| beta | 5.9 |
- ▸High IV: 84%
- ▸Concentration risks: 3 HIGH (10-K Item 1A — sized via position_sizing, validated via buy_confidence)
Catalyst
6.3/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 6.7 |
| news activity | 5.0 |
- ▸Perfect beat streak: 4Q
How the verdict was assembled
Engine trigger
Growth is cheap relative to earnings, but the technical setup has not yet produced a breakout above resistance (PEG 0.79, quality 9.0/10, growth 10.0/10).
Engine technical detail
verdict_path:
L4:PATH_C2_GARP_WAIT|ENTRY_STICKY:PRIOR_STILL_VIABLEPassed (7)
- ASYMMETRY:1.5>=1.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_BOOST:ANALYST:0.60
- EARNINGS_PROXIMITY:44d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:1.7<4.5
- DEATH_CROSS:HARD_BLOCK
Warning (0)
none
Reward-to-Risk
1.53
Upside
+15.9%
Downside
10.4%
Sizing output
STARTER
SetupRANGE_BOUND — RSI 41 mid-range, Bollinger mid-band
EdgeTEMP_HEADWIND — High quality (9.0) with weak momentum (1.7)
SuitabilityMODERATE — Balanced profile
Investment implication
The C-path quality+growth combination triggered the STRONG_BUY_WAIT verdict: quality 9.0 and growth 10.0 both clear their thresholds, with asymmetric R:R of 1.53 supporting the read.
The strongest dimensions are Growth at 10.0, Quality at 9.0, and Sentiment at 8.0; the weakest are Momentum at 1.7, Risk (lower is worse) at 4.6, and Technical at 4.7. The V9 engine flagged 2 failed gates, producing an asymmetric reward-to-risk of 1.53 and an engine sizing output of STARTER.