Fair Isaac

FICO · NYSE

$799.73+$18.66 (+2.39%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $781.07

FICO analyst rating

BuyConsensus of 14 analysts over the last 12 months. 71% rate it a buy.

Strong buy0
Buy10
Hold4
Underperform0
Sell0

12-month price target · 23 analysts

Average $1,311.72 (+64.0% upside)

Low: $702.96
Now: $799.73
High: $1,837.50

Upgrades and downgrades

The latest rating actions, newest first

FICO analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Mizuho	Oct 19, 2026	Maintains	Outperform	$1,344.00 → $1,063.00	20%
RBC Capital	Oct 16, 2026	Maintains	Outperform	$1,525.00 → $1,045.00	64%
Raymond James	Oct 13, 2026	Maintains	Outperform	$1,750.00 → $1,230.00	64%
Needham	Oct 13, 2026	Maintains	Buy	$1,650.00 → $1,100.00	40%
Wells Fargo	Oct 5, 2026	Maintains	Overweight	$950.00 → $800.00	46%
Barclays	Oct 2, 2026	Maintains	Overweight	$935.00 → $875.00	64%
Baird	Oct 2, 2026	Maintains	Outperform	$1,549.00 → $1,070.00	56%
B of A Securities	Sep 30, 2026	Downgrade	Buy → Neutral	$1,400.00 → $700.00	36%
BMO Capital	Sep 30, 2026	Maintains	Outperform	$1,550.00 → $1,150.00	11%
Barclays	Sep 30, 2026	Maintains	Overweight	$1,700.00 → $935.00	64%

The case for and against

Updated Oct 16, 2026

Bull case

Fair Isaac is supported by a dominant FICO Scores franchise that can pass through price increases, as shown by 2Q Scores revenue surging 60% year over year to $475 million and total revenue rising to $691.7 million, while operating margins expanded to 64.7%. Its software business adds a second growth engine, with platform ARR up 49% and net retention at 109%, suggesting durable demand for financial data, analytics, and workflow tools. The recently announced $1.5 billion accelerated share repurchase, funded by a manageable term loan, reinforces management’s confidence, should shrink the share count by slightly more than 5%, and supports the view that EPS can grow sustainably at about 20% over the long term.

Bear case

Fair Isaac is vulnerable to a prolonged economic downturn driven by rising rates, elevated inflation, and geopolitical tensions, which could weaken demand for both its Scores and Software businesses. Financial institutions may sharply reduce purchases of FICO Scores, pressuring revenue and EPS, while an inability to scale software would limit expected revenue growth and margin expansion. The company also faces competitive risk if VantageScore gains material share after the FHFA’s decision to allow VantageScore 4.0 for mortgages sold to the GSEs, potentially compressing the valuation multiple tied to the Scores business.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.