What Is FICO Fair Value?
Fair Isaac (FICO) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Fair Isaac (FICO) has a composite fair value estimate of $1,699.83 based on four valuation models: DCF (58% weight), Graham Number (0% weight), PEG (42% weight), and DDM (0% weight). The current market price is $1,205.79, suggesting the stock is undervalued by 41.0%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued2 of 4 models$1,699.83
vs. current price of $1,205.79(+41.0%)
How Is FICO Fair Value Calculated?
Four independent models estimate what FICO is worth. Each uses different inputs and assumptions. The composite blends them by weight.
FICO Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
58% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$1,553.68
+28.9%Undervalued
Inputs used
DDM (Dividend Discount Model)
0% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
N/A
This stock does not pay a dividend, so the DDM cannot be applied. The composite adjusts by redistributing this weight to the other models.
FICO Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
0% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
N/A
Requires positive EPS and book value. Fair Isaac currently has negative earnings, so the Graham formula cannot be applied.
Inputs used
PEG (Price/Earnings to Growth)
42% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$1,520.60
+26.1%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $1205.79 is 28.9% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $913.2M | $824.8M |
| Year 2 | $1.14B | $931.3M |
| Year 3 | $1.43B | $1.05B |
| Year 4 | $1.78B | $1.19B |
| Year 5 | $2.23B | $1.34B |
| Year 6 | $2.79B | $1.51B |
| Year 7 | $3.48B | $1.71B |
| Year 8 | $4.35B | $1.93B |
| Year 9 | $5.44B | $2.18B |
| Year 10 | $6.80B | $2.46B |
| Terminal Value | $84.93B | $30.70B |
What Are FICO's Key Financial Metrics?
Earnings & Growth
Current Price
$1,205.79
EPS (TTM)
$31.47
Forward P/E
22.1
Profit Margin
33.7%
Cash & Balance Sheet
Free Cash Flow
730.5M
EBITDA
1.2B
Book Value
-$90.22
Total Debt
3.7B
What Do Analysts Say About FICO?
Low
$707.00
Average
$1,534.55
High
$2,400.00
Upside
+27.3%
FICO Fair Value FAQ
What is the fair value of FICO?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), FICO's estimated fair value is $1,699.83. The stock is currently trading at $1,205.79, which makes it undervalued by our analysis.
How is FICO's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is FICO overvalued or undervalued?
Based on our analysis, FICO is undervalued. The current price of $1,205.79 is 41.0% below our estimated fair value of $1,699.83.
What do Wall Street analysts say about FICO?
20 analysts cover Fair Isaac with a consensus rating of "Buy." The average price target is $1,534.55, ranging from $707.00 to $2,400.00. This implies 27.3% upside from the current price.