FICO
Fair Isaac CorporationEvidence as of 2026-09-02Overview · Fair Isaac Corporation
Fair Isaac Corporation develops analytic, software, and data decisioning technologies and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or p…
Management team
- Dave Singleton · Vice President of Investor RelationsFind on LinkedIn
- Mr. James M. Wehmann · Executive Vice President of ScoresFind on LinkedIn
- Mr. Mark Russell Scadina · Executive VP, General Counsel & Corporate SecretaryFind on LinkedIn
- Mr. Steven P. Weber · Executive VP & CFOFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.0 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (+0.0 of a possible +2; confidence high). Revenue rose from fiscal Q1 2026 (fiscal quarter ended 2026-01-21) at $511,959,000 to fiscal Q2 2026 (fiscal quarter ended 2026-04-16) at $691,677,000, then edged down to $674,188,000 in fiscal Q3 2026 (fiscal quarter ended 2026-07-17). Gross margin expanded across those quarters from an implied ≈ 83.0% in fiscal Q1 2026 to ≈ 87.1% in fiscal Q3 2026, while net income and diluted EPS moved from $158,373,000 / $6.61 in fiscal Q1 2026 to $264,458,000 / $11.14 in fiscal Q2 2026 and then to $237,172,000 / $10.45 in fiscal Q3 2026.
Balance-sheet and capital structure items show a reduction in share count (weighted-average diluted shares 23,958,000 → 23,748,000 → 22,703,000; reported shares 23,709,047 as of 2025-10-23 and 21,597,635 as of 2026-07-17) and a $171,000,000 repurchase outflow in fiscal Q1 2026. At the same time long-term debt rose from $3,196,829,000 as of 2025-12-31 to $5,582,389,000 as of 2026-06-30, and stockholders’ equity became more negative across the snapshots, reaching $(4,097,135,000) as of 2026-06-30. Valuation metrics reported against the price of $ 1,099.45 (price date 2026-09-02) show implied FCF growth of 28.83%, P/FCF (TTM) 43.08, EV/EBITDA (TTM) 22.78, and TTM P/E 30.88; enterprise value of $ 29,079,464,801 exceeds market capitalization of $ 23,745,519,801 given $ 248,444,000 cash and $ 5,582,389,000 long-term debt.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenue for the three fiscal quarters shown: fiscal Q1 2026 (2025-10-01 to 2025-12-31, 3mo) was $511,959,000; fiscal Q2 2026 (2026-01-01 to 2026-03-31, 3mo) was $691,677,000; fiscal Q3 2026 (2026-04-01 to 2026-06-30, 3mo) was $674,188,000 — growth from Q1 to Q2 followed by a slight decline from Q2 to Q3.
XBRL companyfacts · 0000814547-26-000011Reported cost of revenue and implied gross margins: fiscal Q1 2026 cost of revenue $87,261,000 (implied gross margin ≈ 83.0%); fiscal Q2 2026 cost of revenue $91,199,000 (implied gross margin ≈ 86.8%); fiscal Q3 2026 cost of revenue $87,017,000 (implied gross margin ≈ 87.1%) — gross margin expanded from Q1 to Q3.
XBRL companyfacts · 0000814547-26-000011Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Nothing in this slice of the evidence rose to a claim — a quiet read, which itself is information.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Fair Isaac Corporation appears as a holding in the iShares Core S&P 500 ETF (IVV) with a weight of 0.04% of that fund.
ETF constituents · market dataThe ETF membership record is timestamped as of 2026-09-02T13:45:47.228469+00:00.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Multiple filings reported in recent days note new institutional purchases of Fair Isaac Corporation shares, including a disclosed position by Man Group plc in the 2nd quarter.
News · thelincolnianonline.com · 2026-08-29Separate articles report additional new 2nd-quarter stakes in Fair Isaac Corporation by Empowered Funds LLC and Field & Main Bank, reflecting repeated coverage of 13F-style buys.
News · thelincolnianonline.com · 2026-09-02Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The model reports an implied free cash flow (FCF) growth rate of 28.83% that today's price would justify under the stated discount and terminal assumptions (price used: 1099.45, price date 2026-09-02).
Valuation inputs · SEC XBRL + stored EOD closePrice-to-FCF (TTM) is 43.08, based on FCF TTM of $579,361,000 and the stated price.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The set of fundamentals showing sequential revenue strength from Q1→Q2, expanding gross margins (fundamentals-0 and fundamentals-1), and higher net income / EPS in Q2 with only a modest dip in Q3 (fundamentals-2) collectively provide a favorable operational read; the reporting is from recent SEC filings and thus is direct, primary evidence (strong). Share count reduction and disclosed repurchases (fundamentals-3 and fundamentals-4) are corroborated by the filings and strengthen the per-share earnings picture by showing management returned capital and reduced dilution (strong). The institutional buying headlines (news-0, news-1, news-2) supply contemporaneous market-interest signals that multiple managers initiated or added positions in the quarter (moderate strength). Counterpoints about higher long-term debt and worsening equity (fundamentals-5 and fundamentals-6) and valuation multiples (valuation-0 through valuation-4) are factual and material (strong), but when weighed against robust reported FCF and EBITDA levels used in the valuation inputs and the clear reduction in share count, the operational and per-share evidence supports a favorable interpretation of company performance even while acknowledging balance-sheet and valuation concerns.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.35
20 surviving claims rest on 10 distinct sources; the heaviest analyst carries 35% of them, and 100% of what the desk raised survived the debate.
The surviving read rests on a moderate breadth of sources (10) but a single analyst accounts for a large share of the claims, and the desk recorded no dissent during review — that combination raises fragility: the view is somewhat sensitive to the methods or errors of a few contributors. Surviving claims tied to balance-sheet timing or price-dependent valuation inputs are particularly weight-sensitive; treat those as informational snapshots rather than robust, deeply corroborated conclusions.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
10 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.0 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on FICO Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.