Why did Fair Isaac (FICO) stock move recently?

On 9/4/2026, Fair Isaac moved -16.6% — FHFA director Bill Pulte directed Fannie Mae and Freddie Mac to let all lenders use VantageScore, effective immediately, ending FICO's exclusive position in mortgage credit scoring. The stock fell sharply on the regulatory change. This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

Is Fair Isaac (FICO) overvalued or fairly valued?

MarketChacha shows Fair Isaac's valuation in context — a trailing P/E of about 22.5, a forward P/E of about 15.9 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Fair Isaac's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.18×) from reported figures — education, not a rating.

What is Fair Isaac's revenue?

Fair Isaac reported revenue of $2.0B for FY2025, with net profit of $651.9M, per official filings.

What is the share price of Fair Isaac (FICO)?

Fair Isaac last traded at $799.73 (+2.4% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

Fair Isaac

FICO · NYSE · Technology · United States

Snapshot

TickerFICO

ExchangeNYSE

SectorTechnology

IndustrySoftware - Application

CountryUnited States

Employees3,876

HeadquartersBozeman, United States

Websitewww.fico.com

Filings tracked16

About Fair Isaac

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

Who owns it

Insiders3.0%
Institutions97.0%
Public & other0.0%

1,232 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.9.66%
Vanguard Capital Management LLC6.84%
Capital Research Global Investors6.00%
Vanguard Portfolio Management LLC5.81%
Capital International Investors5.78%
State Street Corporation4.88%
Geode Capital Management, LLC3.39%
Capital World Investors3.32%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.18×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend28.4% → 32.7%

Margin has expanded by about 4.4 points — the business is getting more profitable.

Growth qualityrev 15% · PAT 23%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $618.9M · EPS 10.03

Est. earnings growth +36.8%

Next fiscal year

Rev $2.8B · EPS 49.22

Est. earnings growth +15.1%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$2.0B

Net margin

32.7%

Revenue CAGR (2y)

+14.7%

Profit CAGR (2y)

+23.2%

EPS (FY2025)

26.54

Net profit (FY2025)

$651.9M

Ask MarketChacha about FICO

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Sep 4, 2026
FHFA director Bill Pulte directed Fannie Mae and Freddie Mac to let all lenders use VantageScore, effective immediately, ending FICO's exclusive position in mortgage credit scoring. The stock fell sharply on the regulatory change.
source 1 ↗source 2 ↗· confidence: high
Sep 1, 2026
FICO fell 3.79% with no new company-specific catalyst; the decline reflects ongoing investor concerns over mortgage scoring competition from VantageScore and related regulatory changes that have driven the stock's sharp 2026 pullback despite strong recent results and raised FY26 guidance.
source 1 ↗source 2 ↗· confidence: medium
Jul 28, 2026
No clear company-specific catalyst; FICO reports earnings tomorrow and the move appears to reflect broader market or sector sentiment ahead of results.
source 1 ↗source 2 ↗· confidence: low

Daily moves with the verified reason behind them. Education only — not investment advice.

On MarketChacha

Posts about FICO

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin
FY2025	$2.0B	$651.9M	26.54	32.7%
FY2024	$1.7B	$512.8M	20.45	29.9%
FY2023	$1.5B	$429.4M	16.93	28.4%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$674.2M	$237.2M	10.45	35.2%
2026Q1	$691.7M	$264.5M	11.14	38.2%
2025Q4	$512.0M	$158.4M	6.61	30.9%
2025Q2	$536.4M	$181.8M	7.40	33.9%
2025Q1	$498.7M	$162.6M	6.59	32.6%
2024Q4	$440.0M	$152.5M	6.14	34.7%
2024Q2	$447.8M	$126.3M	5.05	28.2%
2024Q1	$433.8M	$129.8M	5.16	29.9%
2023Q4	$382.1M	$121.1M	4.80	31.7%
2023Q2	$398.7M	$128.8M	5.08	32.3%
2023Q1	$380.3M	$101.5M	4.00	26.7%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/29/2026material
10-Q — Q3-26 10-Q
SEC7/29/2026
8-K — Material agreement, Material financial obligation, Other events, Exhibits
SEC6/8/2026material
8-K — Results of operations, Exhibits
SEC4/28/2026material
10-Q — 10-Q Q2-26
SEC4/28/2026
8-K — Material agreement, Material financial obligation, Exhibits
SEC3/20/2026material
8-K — Other events, Exhibits
SEC3/11/2026material
8-K — Other events, Exhibits
SEC3/11/2026material
8-K — Bylaw/charter change, Shareholder vote results, Exhibits
SEC3/5/2026material
8-K — Results of operations, Exhibits
SEC1/28/2026material
10-Q — 10-Q Q1 2026
SEC1/28/2026

2025

10-K — 10-K FY2025
SEC11/7/2025
8-K — Results of operations, Exhibits
SEC11/5/2025material
8-K — Executive/director change
SEC8/28/2025material
10-Q — Q3-25 10-Q
SEC7/30/2025
8-K — Results of operations, Exhibits
SEC7/30/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.