FICO
Fair Isaac CorporationEvidence as of 2026-09-19The desk's Snapshot
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Overview · 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
Start free to see the full management team.
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.
−0.4 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 ( -0.4 of a possible +2; was -0.4 before debate) · confidence high. Reported revenues were $ 511,959,000 in fiscal Q1 2026 (fiscal quarter ended 2026-01-21), $ 691,677,000 in fiscal Q2 2026 (fiscal quarter ended 2026-04-16), and $ 674,188,000 in fiscal Q3 2026 (fiscal quarter ended 2026-07-17). Diluted EPS were $ 6.61, $ 11.14, and $ 10.45 for those same three fiscal quarters, with net income of $ 158,373,000, $ 264,458,000, and $ 237,172,000 respectively.
Balance-sheet and capital-structure data that survived the review show long-term debt rising to $ 5,582,389,000 as of 2026-06-30 while cash and cash equivalents increased to $ 248,444,000 at that date; stockholders' equity moved more negative from -$ 1,745,784,000 as of 2025-09-30 to -$ 4,097,135,000 as of 2026-06-30. Share counts fell (weighted-average diluted shares from 23,958,000 in fiscal Q1 2026 to 22,703,000 in fiscal Q3 2026), and valuation snapshots show P/E (TTM) 26.68, EV/EBITDA (TTM) 20.25, Price/FCF (TTM) 37.21, and an implied FCF growth rate of 24.84% that today's price would justify under the model’s stated assumptions.
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 was $511,959,000 in fiscal Q1 2026 (2025-10-01 to 2025-12-31, 3mo), $691,677,000 in fiscal Q2 2026 (2026-01-01 to 2026-03-31, 3mo), and $674,188,000 in fiscal Q3 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000814547-26-000011Diluted earnings per share were $6.61 in fiscal Q1 2026, $11.14 in fiscal Q2 2026, and $10.45 in fiscal Q3 2026 (USD/shares).
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.
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.
In the Form 10-K filed 7 November 2025, management reported total revenues of $2.0 billion for fiscal 2025, a 16% increase from fiscal 2024, and net income of $651.9 million for fiscal 2025, a 27% increase from fiscal 2024.
10-K filed 2025-11-07The Form 10-K filed 7 November 2025 states that the company issued $1.5 billion of senior notes during fiscal 2025, used the net proceeds to repay outstanding term loans, and had a total debt balance of $3.1 billion as of September 30, 2025, compared with $2.2 billion as of September 30, 2024.
10-K filed 2025-11-07Reads 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.
Institutional investors reported a total 13F value of $26.29B for FICO as of 2026-06-30.
13F holdings · 854 filers · as of 2026-06-30The largest reported institutional holders include BlackRock, Inc. ($2.49B), VANGUARD CAPITAL MANAGEMENT LLC ($1.77B), and Capital Research Global Investors ($1.55B) in the 13F for the period ended 2026-06-30.
13F holdings · 854 filers · as of 2026-06-30Reads 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 outlets ran valuation-positive headlines in mid-September 2026 asserting Fair Isaac could be materially undervalued after recent regulatory developments and rulings.
News · simplywall.st · 2026-09-16Coverage highlights FICO Score 10T being cleared for FHA/FHA-approved lenders and made available for FHA mortgage underwriting effective January 1, 2027, a regulatory milestone discussed across outlets.
News · finance.yahoo.com · 2026-09-11Reads 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 shows an implied free cash flow (FCF) growth rate of 24.84% that today's price would justify under the stated discount and terminal assumptions.
Valuation inputs · SEC XBRL + stored EOD closePrice to FCF (TTM) is 37.21 based on FCF TTM of $579,361,000 and the market price used.
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.
Several contemporaneous company filings and quarterly results together present a favorable operational and revenue profile: sequential quarterly revenues above $500M–$690M, strong operating income and net income each quarter, high gross margins (~83–87%), and rising free cash flow (TTM) are documented in the provided filings and valuation summary. Management disclosures in the 10-K point to platform-led Software segment growth with ARR of $747.3M and explicit metrics (ACV Bookings, ARR) supporting a subscription/recurring revenue mix. Institutional holding data and multiple mid-September 2026 media items citing regulatory clearance for FICO Score 10T (and attendant valuation commentary) provide market interest signals that accompany the fundamental strength. The bear points about rising long-term debt and increasingly negative stockholders’ equity are sourced in the filings and balance-sheet snapshots and merit rebuttal context: rising cash and material profitability alongside share count reduction can offset leverage concerns when viewed with the earnings and cash-flow evidence. Overall, the strongest jointly supportive evidence is the consistent profitability, high gross margins, recurring-revenue metrics in the 10-K, and recent regulatory/news items; the weakest negative points are balance-sheet snapshots lacking accompanying context on cash generation and operational performance.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.42
32 surviving claims rest on 11 distinct sources; the heaviest analyst carries 31% of them, and 98% of what the desk raised survived the debate.
The read rests on a modest set of documentary sources but a fairly small number of analysts; one analyst contributes a large share of surviving claims and nearly all desk assertions survived the debate. That combination means the evidence is internally consistent and durable against internal challenge, but external-concentration and analyst-dependence make the read somewhat fragile to new, independent information or an updated filing.
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· 2 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+0.4 to the score
4 documents· 3 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.3 to the score
2 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.5 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.
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.
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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.