Fair Isaac CorporationFICO

Technology
Bullish

ASignal's systematic analysis rates FICO as Bullish. Fair Isaac Corporation has a market cap of $29.36B, a P/E of 41.15, a 33.7% net margin, and 38.7% year-over-year revenue growth.

Reflects the latest available analysis · analyzed Jul 9, 2026

The case on FICO

Bull vs bear, surfaced by ASignal's framework agents from public market data. The precise verdict: ASignal Rank, confidence, and price targets - is in the app.

Bull case
  • Strong revenue growth (38.7% YoY)
  • Exceptional operating margin (58.19%)
  • High gross margin (84.17%) indicating pricing power
  • Positive free cash flow ($730.54M)
  • MACD above signal line with expanding histogram, confirming uptrend
  • Price above SMA20 and SMA50, indicating bullish momentum
VS
Bear case
  • Negative price-to-book ratio (-14.03x), suggesting accounting complexities or intangible-heavy balance sheet
  • High P/E ratio (41.15x) relative to market
  • PEG ratio below 1.0 (0.86x) may indicate overvaluation despite growth
  • No Reddit mentions, indicating limited retail investor interest or potential visibility risk
  • Missing return on equity (ROE) data, limiting fundamental completeness
  • Debt-to-equity ratio not available, creating financial leverage uncertainty

Key facts

Sector
Technology
Market cap
$29.36B
P/E ratio
41.15
Gross margin
84.2%
Net margin
33.7%
Rev growth YoY
38.7%
Price (Jul 9, 2026)
$1,266.08

Peers

Clustered with FICO by analysis-profile similarity.

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See the full verdict on FICO

ASignal Rank (1-4), confidence score, Buffett / Ackman / Dalio grades, price targets, and the full reasoning behind the call.

How ASignal analyzes FICO

Most investors never get a second opinion, let alone several. ASignal runs FICO past a panel of specialized investor-framework agents, each calibrated on a distinct school of investing: Warren Buffett's value discipline, Bill Ackman's activist lens, and Ray Dalio's macro view. They don't just score in isolation, they argue: a dedicated Challenger agent pushes back on every conclusion until the panel settles on a reasoned consensus, weighing fundamentals, macro conditions, market sentiment, and price action together. The kind of cross-examined read that takes a research desk hours, ASignal delivers in under two minutes, refreshed every cycle.

The signal direction and the bull and bear case above are free. The precise read, ASignal Rank, framework grades, price targets, and full reasoning, stays with subscribers.

Fair Isaac Corporation (FICO) Stock Analysis - ASignal rates it Bullish