What Is FICO Fair Value?
Fair Isaac (FICO) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Fair Isaac (FICO) has a composite fair value estimate of $1,926.57 based on four valuation models: DCF (58% weight), Graham Number (0% weight), PEG (42% weight), and DDM (0% weight). The current market price is $719.63, suggesting the stock is undervalued by 167.7%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued2 of 4 models$1,926.57
vs. current price of $719.63(+167.7%)
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 →
$2,029.36
+182.0%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.
$1,281.29
+78.0%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 $719.63 is 182.0% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $968.0M | $881.8M |
| Year 2 | $1.21B | $1.00B |
| Year 3 | $1.51B | $1.14B |
| Year 4 | $1.89B | $1.30B |
| Year 5 | $2.36B | $1.48B |
| Year 6 | $2.95B | $1.69B |
| Year 7 | $3.69B | $1.92B |
| Year 8 | $4.62B | $2.19B |
| Year 9 | $5.77B | $2.49B |
| Year 10 | $7.21B | $2.84B |
| Terminal Value | $101.59B | $39.97B |
What Are FICO's Key Financial Metrics?
Earnings & Growth
Current Price
$719.63
EPS (TTM)
$31.16
Forward P/E
14.4
Profit Margin
34.1%
Cash & Balance Sheet
Free Cash Flow
774.4M
EBITDA
1.3B
Book Value
-$189.71
Total Debt
5.6B
What Do Analysts Say About FICO?
Low
$490.00
Average
$1,057.16
High
$1,675.00
Upside
+46.9%
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 $1,926.57. The stock is currently trading at $719.63, 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 $719.63 is 167.7% below our estimated fair value of $1,926.57.
What do Wall Street analysts say about FICO?
19 analysts cover Fair Isaac with a consensus rating of "Buy." The average price target is $1,057.16, ranging from $490.00 to $1,675.00. This implies 46.9% upside from the current price.