FICO
Fair Isaac Corp Industrials Services-Business Services, NEC S&P 500Russell 3000
$711.23Close
$16.9BMarket cap
$592.47 – $1,844.9852-week range
Nov 4, 2026Next report · after the close
Highlights
Strengths
- Earnings growing EPS +41% year on year
Cautions
- Not in an uptrend 0 of 8 trend conditions
- Lagging the market RS 4 · weaker than 96% of stocks over 12 months
- Far from its high 61% below its 52-week high
- Results soon Nov 4, 2026, in 3 days
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
61%
1wk
down 12.8%
price change
1mo
up 20.0%
price change
12-month return
down 55%
market up 11% ·
its own down 65%
F-score
7 / 9
Strong
Altman Z″
10.26
Low risk
P/E
25.9×
price / earnings
PEG
0.87
P/E / EPS growth
P/B
—
price / book
Earnings yield
up 4.8%
EBIT / enterprise value
Cheaper than
63%
of the market · cheap
Revenue growth
up 16%
year on year
EPS growth
up 41%
latest quarter · -28 pts
Sales growth
up 26%
latest quarter · -13 pts
ROE
—
return on equity
Free cash margin
up 39%
$769.9M FCF
D/E
—
long-term debt / equity
Net debt / EBITDA
2.7×
Interest cover
—EBIT / interest
Piotroski tests
- took on more long-term debt
- short-term liquidity weakened
- profitable on its assets
- generating cash from operations
- profitability improving
- profits backed by cash
- no new shares issued
- gross margin widened
- assets working harder
Repair signals
- Gross margin 79.7% → 82.2%
Trade setup
ATR%
6.4%
$45.62 a day · 2×ATR $620.00
RS
4 / 99
vs the universe
Trend
0 / 8
trend template
Relative volume
0.8×
vs 50-day average
Up/down volume
0.75
50 sessions
Implied move
10.2%
by Nov 6, 2026 · report Nov 4, 2026
Trend template · 0 of 8
Screen verdict
Did not qualify for any screen.
Warning signs
- Liabilities exceed assets Shareholders' equity is negative at -$1.7B as of Sep 30, 2025. What is left for shareholders after creditors is, on the balance sheet, less than nothing.
Last reported
Jul 29, 2026
Last shock
Sep 29, 2026-27% in one session10.3× volumeno filing matched+15% since
Options
$5.1M68.5% IV · activity
Financials
- Gross 82%
- Net 33%
- Free cash 39%
- Cash
- Long-term debt
| FY2020Sep 30, 2020 | FY2021Sep 30, 2021 | FY2022Sep 30, 2022 | FY2023Sep 30, 2023 | FY2024Sep 30, 2024 | FY2025Sep 30, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.3B | $1.4B | $1.5B | $1.7B | $2.0B |
| Gross margin | 72% | 75% | 78% | 79% | 80% | 82% |
| Operating income | $296.0M | $505.5M | $542.4M | $642.8M | $733.6M | $924.9M |
| Net income | $236.4M | $392.1M | $373.5M | $429.4M | $512.8M | $651.9M |
| Net margin | 18% | 30% | 27% | 28% | 30% | 33% |
| Earnings per share | $7.90 | $13.40 | $14.18 | $16.93 | $20.45 | $26.54 |
| Free cash flow | $342.9M | $416.2M | $503.4M | $464.7M | $624.1M | $769.9M |
| Free cash margin | 26% | 32% | 37% | 31% | 36% | 39% |
| Cash | $157.4M | $195.4M | $133.2M | $136.8M | $150.7M | $134.1M |
| Long-term debt | $739.4M | $1.0B | $1.8B | $1.8B | $2.2B | $2.7B |
| Shareholders' equity | $331.1M | -$110.9M | -$801.9M | -$688.0M | -$962.7M | -$1.7B |
| Shares outstanding | 29.10m | 27.57m | 25.15m | 24.77m | 24.39m | 23.76m |
Next report
Nov 4, 2026 · after the close
Expected move The move, either way, the option market prices in through the next scheduled report: the at-the-money straddle for the first expiry that contains it, over the price. It includes the days around the report, so it slightly overstates the report alone. Methodology
±10.2%
$642 – $788 by Nov 6, 2026
Usual move The median, over the company's last four reports, of how far the stock moved either way from the close before the filing to the close of the session after it. Methodology
±3.6%
last 4: -14.7% · +2.9% · -2.8% · +4.3%
Expected against usual The move the options price through this report over the move the last four reports delivered. Above 1 the event is priced bigger than the company's own record; below 1, smaller. A price, not a forecast: it says what protection through the report costs, not which way the stock will go. Methodology
Bigger than usual
2.8× the usual move
What options price now
- Expected 1-month range The at-the-money straddle for the expiry nearest a month out, as a share of the price: the move, either way, the option market is pricing by then. The range is the price plus and minus that move; the stock ends inside it a little more often than not. Methodology
- $604 – $825 ±15.5% by Nov 27, 2026
- Swings expected vs recent The daily swings the options are priced for (implied volatility) against the swings the stock actually had over the last 20 sessions (realised volatility). Bigger means options charge for more movement than the stock has been delivering; smaller, less. On a contract row, that contract's own implied volatility over the stock's realised. Methodology
- Smaller 68.5% priced · 77.5% recent
- Next month vs later At-the-money implied volatility for 8-45 day expiries over 46-90 day ones: whether options price the coming month as choppier or calmer than the two after it. Ahead of a report it usually reads choppier, and the extra comes out once the report is out. Methodology
- Choppier
- Crash protection What options that pay off in a fall cost against options that pay off in a rise (the 25-delta skew), compared with this company's own normal - the median of its stored nightly readings, once there are 20 - and with five sessions ago. Protection costs a little more than upside on most shares. More than usual means readers of the chain are paying up to insure against a drop; it does not say which way the stock will go. Methodology
- past week: no change
Positioning
- Premium traded
- $5.1M calls $3.2M · puts $1.9M · latest session
- 0.60× +0.31 over the week
- Open interest added The change over five sessions in option positions left open overnight, calls and puts. A rise means positions were added. It cannot say whether they were bought or sold, so more calls is not a vote for a rise: a call is as often sold against shares already held. Methodology
- calls +1.68k · puts +1.79k past week
For options traders: ATM IV 68.5% (+6.3% 1w) · 1m ÷ 3m IV 1.12 · 25Δ skew 5.0 pts · Net GEX -$4.1M
Most traded contracts
No contract passed the liquidity filters this week.
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Jul 29, 2026 | Quarterly ↗ | Jun 30, 2026 | 29d |
| Apr 28, 2026 | Quarterly ↗ | Mar 31, 2026 | 28d |
| Jan 28, 2026 | Quarterly ↗ | Dec 31, 2025 | 28d |
| Nov 7, 2025 | Annual ↗ | Sep 30, 2025 | 38d |
| Jul 30, 2025 | Quarterly ↗ | Jun 30, 2025 | 30d |
| Apr 29, 2025 | Quarterly ↗ | Mar 31, 2025 | 29d |
| Feb 4, 2025 | Quarterly ↗ | Dec 31, 2024 | 35d |
| Nov 6, 2024 | Annual ↗ | Sep 30, 2024 | 37d |
| Jul 31, 2024 | Quarterly ↗ | Jun 30, 2024 | 31d |
| Apr 25, 2024 | Quarterly ↗ | Mar 31, 2024 | 25d |
| Jan 25, 2024 | Quarterly ↗ | Dec 31, 2023 | 25d |
| Nov 8, 2023 | Annual ↗ | Sep 30, 2023 | 39d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 6, 2026 | Restructuring ↗ |
| Jul 29, 2026 | Results ↗ |
| Jun 8, 2026 | Material agreement · New obligation · Other events ↗ |
| Apr 28, 2026 | Results ↗ |
| Mar 20, 2026 | Material agreement · New obligation ↗ |
| Mar 11, 2026 | Other events ↗ |
| Mar 11, 2026 | Other events ↗ |
| Mar 5, 2026 | Charter or bylaws · Shareholder vote ↗ |
| Jan 28, 2026 | Results ↗ |
| Nov 5, 2025 | Results ↗ |
| Aug 28, 2025 | Director or officer change ↗ |
| Jul 30, 2025 | Results ↗ |