Fair Isaac CorporationOpportunity Rank #284(FICO) Intrinsic Value & DCF Analysis (2026)
Current Price
$1,090.85
Last updated: Jun 23, 2026
Price vs Intrinsic Value
Fundamental Score
Weighted across 6 signals
Narrative Score
+2 vs previous
Trend Score
As of 2026-06-22
The intrinsic value of Fair Isaac Corporation (FICO) is estimated at $554.88 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $1,090.85, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 5.60% long-term growth rate and a 9.20% discount rate, reflecting expected future free cash flow and cost of capital.
The intrinsic value of Fair Isaac Corporation (FICO) is estimated at $554.88 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $1,090.85, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 5.60% long-term growth rate and a 9.20% discount rate, reflecting expected future free cash flow and cost of capital.Valuation Details
Capital Efficiency
The company is earning a higher return on invested capital than it costs to raise that capital — a sign of strong, efficient value creation.
Fundamental Details
Narrative Details
Trend Details
Investment Coach
- Watch for the stock price to move to at least a mid-teens discount to fair value.
- Confirm that ROIC remains above the cost of capital in upcoming quarters.
- Monitor narrative trends for any meaningful shifts in the fundamental score direction.
Free Cash Flow (in millions)
How Intrinziq Estimates Fair Value
Intrinziq estimates Fair Isaac Corporation's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.
Fair Isaac CorporationTechnology
Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.