FICO vs the Top Picks average
| Pillar | FICO | Book avg | Diff |
|---|---|---|---|
| Quality | 0.80 | 0.84 | -0.04 |
| Growth | 0.89 | 0.84 | +0.06 |
| Value | 0.71 | 0.78 | -0.07 |
Averaged across the 30 names in today's Top Picks (mean score 81.5). A name can beat these averages and still be absent from the book — it also applies concentration limits.
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Analyst estimate revisions
| 30-day change | -2.8% |
|---|---|
| 90-day change | -2.1% |
| Forward EPS estimate | $53.04 |
Over the last 90 days, what analysts expect FICO to earn is drifting lower (-2.1%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Fair Isaac Corporation (FICO): score, valuation & FAQ
Fair Isaac Corporation (FICO) is a Software - Application company that scores 79.7 out of 100 on the Bull Rankings quality-growth model — a strong reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are Rev (A-) and PEG (B+). On valuation, FICO sits about 40% above our discounted-cash-flow fair value — the current price implies roughly 23% annual free-cash-flow growth over the next decade.
Is FICO a good stock to buy?
Bull Rankings scores FICO 79.7 out of 100 on its quality-growth model, which is a strong reading. That is driven by Rev (A-) and PEG (B+). A score is a quantitative screen of Fair Isaac Corporation's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does FICO score 79.7 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). FICO earns its highest marks on Rev (A-) and PEG (B+). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is FICO overvalued or undervalued?
Based on $1157.57, FICO sits about 40% above our discounted-cash-flow fair value — the current price implies roughly 23% annual free-cash-flow growth over the next decade. It trades at a 33.5x P/E (graded B). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in FICO?
A beta of 1.32 signals volatility that could erode returns if the credit‑score market faces tighter regulation or a downturn in lending; the 29.9 P/E, already above peers, means any slowdown in the 24.1% revenue growth will quickly turn the price upside down. A 20%/yr implied free‑cash‑flow growth from our reverse DCF is far above the current 24.1% revenue growth, so any miss in that trajectory would break the bull case.
New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.