Are Wall Street Analysts Predicting Fair Isaac Stock Will Climb or Sink?
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Bozeman, Montana-based Fair Isaac Corporation (FICO) develops analytic, software, and digital decisioning technologies and services that enable businesses to automate, enhance, and connect decisions. With a market cap of $36.1 billion, the company offers tools used to manage risk, fight fraud, build more profitable customer relationships, optimize operations, and meet strict government regulations.
Shares of this leading analytics software company have underperformed the broader market over the past year. FICO has declined 16.8% over this time frame, while the broader S&P 500 Index ($SPX) has rallied nearly 15.1%. In 2025, FICO stock is down 28.7%, compared to the SPX’s 9.9% rise on a YTD basis.
Narrowing the focus, FICO’s considerable underperformance is also apparent compared to the Technology Select Sector SPDR Fund (XLK). The exchange-traded fund has gained about 18.9% over the past year. Moreover, the ETF’s 13.1% gains on a YTD basis outshine the stock’s losses over the same time frame.
On Jul. 30, FICO reported its Q3 results, and its shares closed down by 12.6% in the following four trading sessions. Its adjusted EPS of $8.57 surpassed Wall Street expectations of $7.73. The company’s revenue was $536.4 million, surpassing Wall Street forecasts of $518.8 million. FICO expects full-year adjusted EPS to be $29.15, and expects revenue to be $2 billion.
For the current fiscal year, ending in September, analysts expect FICO’s EPS to grow 37.4% to $24.42 on a diluted basis. The company’s earnings surprise history is mixed. It beat the consensus estimates in two of the last four quarters while missing the forecast on two other occasions.
Among the 17 analysts covering FICO stock, the consensus is a “Moderate Buy.” That’s based on nine “Strong Buy” ratings, three “Moderate Buys,” four “Holds,” and one “Strong Sell.”
This configuration is less bullish than a month ago, with 10 analysts suggesting a “Strong Buy.”
On Aug. 18, BMO Capital analyst Ryan Griffin kept an “Outperform” rating on FICO and raised the price target to $1,800, implying a potential upside of 26.7% from current levels.
The mean price target of $1,868.69 represents a 31.6% premium to FICO’s current price levels. The Street-high price target of $2,300 suggests an ambitious upside potential of 62%.
On the date of publication, Neha Panjwani did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. For more information please view the Barchart Disclosure Policy here.