Yahoo! Finance Canada report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Why FICO Stock advanced +0.29% Today — RQD Quant Desk Flash
Fair Isaac Corporation (FICO) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is FICO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼
As of 2026-11-02, Fair Isaac Corporation (NYSE: FICO) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $711.23 (+0.29% 1D, market cap $15.32B). Pillar breakdown: Fundamental Cash Engine 20/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, FICO ranks #126 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FICO compare to RBA and AKAM in the Consumer Discretionary sector?
▼
Within the Consumer Discretionary sector (Business Services), FICO carries a Roarable B- (71/100 RQD), trailing P/E of 23.5x, gross margin of 82.2%, and ROIC of 59.6%. By comparison, RBA (RB Global Inc.) holds a D+ grade (57/100 RQD, P/E 37.4x, ROIC 7.7%, cap $16.03B) and AKAM (Akamai Technologies Inc.) posts a C- grade (59/100 RQD, P/E 31.6x, ROIC 6.6%, cap $14.28B). Among the 5-stock peer group, FICO leads on earnings multiple (23.5x) while FICO leads on capital efficiency (59.6% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FICO?
▼
Per FICO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000814547), Fair Isaac Corporation generated $1.99B in revenue (+15.9% YoY), $651.9M in net income, and $769.9M in free cash flow against $1.85B in total assets and $2.80B in total debt. Key quantitative strengths: Strong cash generator (82% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 38.7% FCF Margin ($769.9M FCF) & 82.2% Gross Margin
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
⚔️ Adversarial Opposing Case: Why the FICO Bull Thesis Could Fail
Even with a 71/100 (B-) score, FICO faces multiple-compression risk if 23.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 79.7% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($853.39) or 200D SMA ($1,114.42) invalidates the momentum regime and cuts Target Base ($752.84) toward Bear Floor ($583.21).
Why FICO Stock advanced +0.29% Today — RQD Quant Desk Flash
Fair Isaac Corporation (FICO) advanced +0.29% to $711.23, trading at 10% of its 52-week range ($586.05 – $1858.91). High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 10% of its 52-week range ($586.05 – $1858.91) with RSI-14 at 40.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±11% around $711.23 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B- (Buy) backed by 82.2% gross margin and $769.9M annual free cash flow.
TradingView report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Reuters report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
FICO's Q4 earnings are likely to benefit from strong Scores pricing and platform growth, but mortgage headwinds and rising costs may have pressured profitability.
Adding a grandchild as an authorized user sounds like a simple gift, but every swipe of her card becomes his legal obligation, and one missed payment can leave marks on both of their credit reports.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (FICO Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
FICO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +15.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FICO today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FICO. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FICO)
1. Head-to-Head Consumer Discretionary Peer Comparison (FICO vs. RBA, AKAM, CART, FIS)
Industry: Business Services (90 Tracked Issuers)Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Fair Isaac Corporation (FICO) ranks #126 by composite RQD confidence (71/100, grade B-) and #127 by equity capitalization ($15.32B). Within this direct 5-issuer industry benchmark cohort, FICO leads on earnings valuation at 23.5x trailing P/E, while FICO leads on capital efficiency and profitability with 59.6% ROIC and 82.2% gross margin. CART currently holds the highest overall quantitative score in the immediate peer group at 88/100 (A) compared with FICO at 71/100 (B-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FICO
ACTIVE
Fair Isaac Corporation | B- | 71/100 | 23.5x | 82.2% | 59.6% | +0.29% | $15.32B | Benchmark Subject |
| RBA RB Global Inc. | D+ | 57/100 | 37.4x | — | 7.7% | +1.57% | $16.03B | /rba-vs-fico → |
| AKAM Akamai Technologies Inc. | C- | 59/100 | 31.6x | 56.8% | 6.6% | -6.70% | $14.28B | /akam-vs-fico → |
| CART Maplebear Inc. | A | 88/100 | 30.3x | 73.7% | 17.2% | -1.16% | $13.55B | /cart-vs-fico → |
| FIS Fidelity National Information Services Inc. | D | 51/100 | 50.3x | 36.9% | 6.1% | +3.41% | $19.23B | /fis-vs-fico → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000814547In its most recent audited fiscal period (FY2025, filed 2025-09-30), Fair Isaac Corporation (FICO) reported GAAP revenue of $1.99B (+15.9% vs. FY2024 revenue of $1.72B , and +31.5% cumulative change since FY2023) , GAAP net income of $651.9M, operating cash flow of $778.8M, and free cash flow of $769.9M (+23.4% YoY). On the balance sheet, FICO closed FY2025 with $1.85B in total assets against $2.80B in total debt (Altman Z-Score: 8.75, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-09-30 | $1.99B | $651.9M | $778.8M | $769.9M | $1.85B | $2.80B |
| FY2024 (FY) | 2024-09-30 | $1.72B | $512.8M | $633.0M | $624.1M | $1.71B | $2.41B |
| FY2023 (FY) | 2023-09-30 | $1.51B | $429.4M | $468.9M | $400.8M | $8.42B | $1.97B |
3. FICO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FICO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Fair Isaac Corporation (NYSE: FICO) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $711.23 (+0.29% 1D, market cap $15.32B). Pillar breakdown: Fundamental Cash Engine 20/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, FICO ranks #126 in composite RQD confidence.
How does FICO compare to RBA and AKAM in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Business Services), FICO carries a Roarable B- (71/100 RQD), trailing P/E of 23.5x, gross margin of 82.2%, and ROIC of 59.6%. By comparison, RBA (RB Global Inc.) holds a D+ grade (57/100 RQD, P/E 37.4x, ROIC 7.7%, cap $16.03B) and AKAM (Akamai Technologies Inc.) posts a C- grade (59/100 RQD, P/E 31.6x, ROIC 6.6%, cap $14.28B). Among the 5-stock peer group, FICO leads on earnings multiple (23.5x) while FICO leads on capital efficiency (59.6% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FICO?
Per FICO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000814547), Fair Isaac Corporation generated $1.99B in revenue (+15.9% YoY), $651.9M in net income, and $769.9M in free cash flow against $1.85B in total assets and $2.80B in total debt. Key quantitative strengths: Strong cash generator (82% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is FICO trading relative to its 50-day, 200-day, and 52-week technical levels?
FICO last traded at $711.23 (+0.29% on volume of 690,840 shares), positioning the stock -16.66% below its 50-day simple moving average ($853.39) and -36.18% below its 200-day simple moving average ($1,114.42). Across its 52-week range of $586.05 to $1,858.91, FICO sits at the 9.8% percentile with a 14-day RSI of 40.4 (NEUTRAL RANGE) and an implied next-earnings move of ±11.0% ($632.99 to $789.47).
FICO Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FICO stock moving today?
Why FICO Stock advanced +0.29% Today — RQD Quant Desk Flash. High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support.
FICO — Fair Isaac Corporation: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, FICO scores 71 out of 100, graded B-, with the verdict label "Roarable Buy — Sound Institutional Accumulation." The five pillars are:
- Fundamental Cash Engine: 20 / 20. Per the RQD rating, this pillar reflects ROIC of 59.6% and an FCF yield of 5.03%. This is the strongest pillar and the main reason the score is weighted toward quality of cash generation.
- Whale 13F Flow: 6 / 20. Per the RQD rating, this pillar covers institutional accumulation and options positioning. The score is low relative to the others, meaning the institutional flow signal is weaker than the fundamental signal.
- Insider Conviction: 17 / 20. Per the RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow, and scores well.
- Macro Regime Fit: 12 / 20. Per the RQD rating, this pillar reflects beta of 1.05 and sector sensitivity, indicating moderate exposure to broader market moves.
- Forensic Balance Sheet: 16 / 20. Per the RQD rating, this pillar reflects Altman Z of 8.75, Piotroski F of 8/9, and Debt/Equity of 0.85.
For a prospective investor, the implication is that the score is driven by high cash-generation quality and balance-sheet strength, with insider flow supportive. The weaker institutional-flow and macro-fit pillars suggest the stock's direction may depend more on sentiment and sector conditions than on a broad institutional tailwind. Valuation context from the market data shows a P/E (TTM) of 23.5 and a forward P/E of 19.7, meaning earnings are expected to be higher on a forward basis per those figures. This is educational context, not personalized advice.
Snapshot
Business
Per the profile, Fair Isaac Corporation is a NYSE-listed issuer in the Consumer Discretionary sector and Business Services industry, with a market capitalization of $15.3B. Per the profile, the company operates in Business Services. Not available in source data: the specific products sold, the customer base, and the detailed revenue model.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $1990.9M | $924.9M | $651.9M | N/A | $769.9M | $162.0M | $2797.1M |
| FY 2024 | $1717.5M | $733.6M | $512.8M | N/A | $624.1M | $184.3M | $2406.1M |
| FY 2023 | $1513.6M | $642.8M | $429.4M | N/A | $400.8M | N/A | $1971.2M |
Per the SEC financials, revenue, operating income, net income, and free cash flow rose across the three reported fiscal years, and debt increased from $1971.2M to $2797.1M. Per the market data, gross margin is 82.2%, operating margin 46.5%, and net margin 32.7%, with ROIC of 59.6%. Per the RQD rating, the Altman Z-Score is 8.75 and the Piotroski F-Score is 8/9, with Debt/Equity of 0.85 per the same rating. Cash declined from $184.3M in FY 2024 to $162.0M in FY 2025.
Recent Catalysts & News Wire Analysis
Per the recent news section, the wire contains several items flagged as risk-watch and market-wire:
- A price target cut to $1138.63, described as implying 65% upside, flagged RED / RISK WATCH.
- Reported as a workforce reduction of 15% tied to AI-driven restructuring, flagged RED / RISK WATCH.
- Reported as a stock decline after the company held pricing for preferred lenders, flagged RED / RISK WATCH.
- Reported as a stock decline of 14% after a Pulte statement on credit score competition, flagged RED / RISK WATCH.
- Multiple market-wire items noting the stock's price action and positioning, flagged YELLOW.
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, no upstream or downstream links are recorded, and no proprietary signals are present. Not available in source data: upstream suppliers, downstream customers, and sector correlation data. A prospective investor should note that the absence of recorded links means second-order ripple effects cannot be mapped from the provided data.
Open Questions
- What are the specific products, customers, and revenue model behind the Business Services classification?
- What is the EPS for the reported fiscal years, given that the financials show N/A?
- What is the cash balance for FY 2023, which is recorded as N/A?
- What is the underlying basis for the price-target cut and its stated upside, and what analyst coverage supports it?
- How do the reported workforce reduction and pricing-related news items affect the forward earnings figures underlying the 19.7 forward P/E?
FICO Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Fair Isaac Corporation (FICO) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Reuters report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.
FICO Bull vs. Bear Conversation Board — What's Your Call at $711.23?
🔥 Official Bull vs. Bear Debate: Is FICO (B- • RQD 71/100) a Buy at $709.18?
Welcome to the FICO (Fair Isaac Corporation) Roar Pit. Current RQD Composite is 71/100 (Roarable Buy — Sound Institutional Accumulation) in Business Services. Bulls point to capital efficiency (59.6% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on FICO — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on FICO, but look at what you are paying: 23.5x trailing P/E with 82.2% gross margins. Unless Fair Isaac Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
FICO cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on FICO, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $709.18 (52-wk range $586.05 - $1858.91), any beat on forward guidance forces shorts and underweight funds to chase.