P/E 40.4 — near the Technology median (≈60th pctile)
PEG0.86B+
PEG 0.86 — near fair value, classic Lynch benchmark (1.0)
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 72
Quality0.78
Growth0.89
Value0.62
Why this score
Buying back stock
Short track record
Entry · Margin of safety
52-week rangeMid-range
36% off the 12-month high
vs DCF fair value73% aboveest. fair value ~$739
Quality signals · context only
Gross profitability93% · Agross profit ÷ total assets (Novy-Marx)
Why now
Software - Application · market cap $29.6b. Down 36% from 52-week high of $1998.01 — deep drawdown territory. Revenue growing +16%, comfortably above the S&P median. PEG 0.86 — paying under fair value for the growth rate. 20 sell-side analysts rate this a Buy with a mean 1-yr target of $1,530 (implying +20% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. FCF converts 119% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Down 36% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Trailing P/E 40x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 13.1x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
Horizon
1-3 yr $1,530 (20-analyst consensus) — fundamentals + valuation re-rating. 5 yr $2,239 at ~12% CAGR — compounding case rests on the competitive position widening. 10 yr $3,322 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · FICO
Trend
0.0 over 14 daily scores
From 72.0 (Jun 22) → 72.0 (now)
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.
Position sizing · FICO
$
%
%
Shares to buy
1
Position size
$1,277
2.6% of portfolio
Stop price
$957.69
25% below $1,277
$ at risk if stopped
$319.23
budget $500.00 · 1% of portfolio
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 72 out of 100 on the Bull Rankings quality-growth model — a solid, above-average 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 (B+) and PEG (B+). On valuation, FICO sits about 73% above our discounted-cash-flow fair value (i.e. the DCF flags it as rich).
Is FICO a good stock to buy?
Bull Rankings scores FICO 72 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by Rev (B+) 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 72 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 (B+) 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 $1276.91, FICO sits about 73% above our discounted-cash-flow fair value (i.e. the DCF flags it as rich). It trades at a 40.4x× 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?
Down 36% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Trailing P/E 40x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 13.1x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
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 adviser.