Fair Isaac (FICO)
Market Price (1/7/2026): $1600.46 | Market Cap: $38.3 BilSector: Information Technology | Industry: Application Software
Fair Isaac (FICO)
Market Price (1/7/2026): $1600.46Market Cap: $38.3 BilSector: Information TechnologyIndustry: Application Software
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive operating marginsOp Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is 47% | Weak multi-year price returns2Y Excs Rtn is -5.0% | Expensive valuation multiplesP/SPrice/Sales ratio is 19x |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 37% | Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -2.5% | |
| Low stock price volatilityVol 12M is 47% | Key risksFICO key risks include [1] direct regulatory challenges to its pricing power and mortgage-scoring monopoly, Show more. | |
| Megatrend and thematic driversMegatrends include AI in Financial Services, and Fintech & Digital Payments. Themes include AI for Fraud Detection, Online Banking & Lending, Show more. |
| Attractive operating marginsOp Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is 47% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 37% |
| Low stock price volatilityVol 12M is 47% |
| Megatrend and thematic driversMegatrends include AI in Financial Services, and Fintech & Digital Payments. Themes include AI for Fraud Detection, Online Banking & Lending, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -5.0% |
| Expensive valuation multiplesP/SPrice/Sales ratio is 19x |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -2.5% |
| Key risksFICO key risks include [1] direct regulatory challenges to its pricing power and mortgage-scoring monopoly, Show more. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
Fair Isaac (FICO) experienced a negative stock movement of approximately -3.6% during the period from October 31, 2025, to January 7, 2026, driven by several key factors.
1. Cautious Full-Year 2026 Guidance: Despite reporting better-than-expected fourth-quarter fiscal 2025 earnings, Fair Isaac's full-year 2026 guidance was characterized as cautious and slightly missed analyst expectations for annual recurring revenue (ARR) estimates. This softer outlook, even amidst generally strong sector conditions, appears to have tempered investor sentiment.
2. Market Skepticism and Valuation Jitters: The market's reaction to FICO's strong Q4 2025 earnings was muted, suggesting that the positive results were largely "priced in." Investors showed skepticism regarding the certainty of executing on the raised 2026 guidance, and there were "valuation jitters" as the AI credit scoring boom met new highs.
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1. Cautious Full-Year 2026 Guidance: Despite reporting better-than-expected fourth-quarter fiscal 2025 earnings, Fair Isaac's full-year 2026 guidance was characterized as cautious and slightly missed analyst expectations for annual recurring revenue (ARR) estimates. This softer outlook, even amidst generally strong sector conditions, appears to have tempered investor sentiment.
2. Market Skepticism and Valuation Jitters: The market's reaction to FICO's strong Q4 2025 earnings was muted, suggesting that the positive results were largely "priced in." Investors showed skepticism regarding the certainty of executing on the raised 2026 guidance, and there were "valuation jitters" as the AI credit scoring boom met new highs.
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Stock Movement Drivers
Fundamental Drivers
The -3.6% change in FICO stock from 10/31/2025 to 1/6/2026 was primarily driven by a -7.9% change in the company's P/E Multiple.| 10312025 | 1062026 | Change | |
|---|---|---|---|
| Stock Price ($) | 1659.53 | 1599.96 | -3.59% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1928.93 | 1990.87 | 3.21% |
| Net Income Margin (%) | 32.80% | 32.75% | -0.15% |
| P/E Multiple | 63.70 | 58.67 | -7.90% |
| Shares Outstanding (Mil) | 24.28 | 23.91 | 1.56% |
| Cumulative Contribution | -3.61% |
Market Drivers
10/31/2025 to 1/6/2026| Return | Correlation | |
|---|---|---|
| FICO | -3.6% | |
| Market (SPY) | 1.4% | 27.0% |
| Sector (XLK) | -2.5% | 5.0% |
Fundamental Drivers
The 11.4% change in FICO stock from 7/31/2025 to 1/6/2026 was primarily driven by a 6.4% change in the company's P/E Multiple.| 7312025 | 1062026 | Change | |
|---|---|---|---|
| Stock Price ($) | 1436.72 | 1599.96 | 11.36% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1928.93 | 1990.87 | 3.21% |
| Net Income Margin (%) | 32.80% | 32.75% | -0.15% |
| P/E Multiple | 55.15 | 58.67 | 6.38% |
| Shares Outstanding (Mil) | 24.28 | 23.91 | 1.56% |
| Cumulative Contribution | 11.34% |
Market Drivers
7/31/2025 to 1/6/2026| Return | Correlation | |
|---|---|---|
| FICO | 11.4% | |
| Market (SPY) | 9.8% | 17.3% |
| Sector (XLK) | 11.8% | 5.7% |
Fundamental Drivers
The -14.6% change in FICO stock from 1/31/2025 to 1/6/2026 was primarily driven by a -34.4% change in the company's P/E Multiple.| 1312025 | 1062026 | Change | |
|---|---|---|---|
| Stock Price ($) | 1873.56 | 1599.96 | -14.60% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1717.53 | 1990.87 | 15.91% |
| Net Income Margin (%) | 29.86% | 32.75% | 9.68% |
| P/E Multiple | 89.42 | 58.67 | -34.39% |
| Shares Outstanding (Mil) | 24.48 | 23.91 | 2.32% |
| Cumulative Contribution | -14.65% |
Market Drivers
1/31/2025 to 1/6/2026| Return | Correlation | |
|---|---|---|
| FICO | -14.6% | |
| Market (SPY) | 16.0% | 38.8% |
| Sector (XLK) | 27.7% | 33.8% |
Fundamental Drivers
The 140.3% change in FICO stock from 1/31/2023 to 1/6/2026 was primarily driven by a 42.2% change in the company's Total Revenues ($ Mil).| 1312023 | 1062026 | Change | |
|---|---|---|---|
| Stock Price ($) | 665.95 | 1599.96 | 140.25% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1399.78 | 1990.87 | 42.23% |
| Net Income Margin (%) | 27.59% | 32.75% | 18.68% |
| P/E Multiple | 43.18 | 58.67 | 35.86% |
| Shares Outstanding (Mil) | 25.05 | 23.91 | 4.55% |
| Cumulative Contribution | 139.76% |
Market Drivers
1/31/2023 to 1/6/2026| Return | Correlation | |
|---|---|---|
| FICO | 140.3% | |
| Market (SPY) | 76.5% | 43.1% |
| Sector (XLK) | 120.1% | 39.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FICO Return | -15% | 38% | 94% | 71% | -15% | -2% | 224% |
| Peers Return | 33% | -33% | 32% | 18% | -5% | 1% | 34% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 84% |
Monthly Win Rates [3] | |||||||
| FICO Win Rate | 50% | 42% | 83% | 75% | 50% | 0% | |
| Peers Win Rate | 68% | 28% | 65% | 57% | 57% | 80% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 100% | |
Max Drawdowns [4] | |||||||
| FICO Max Drawdown | -32% | -21% | -2% | -5% | -34% | -3% | |
| Peers Max Drawdown | -14% | -43% | -9% | -8% | -19% | -2% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | 0% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: EFX, TRU, SPGI, MCO, VRSK. See FICO Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 1/6/2026 (YTD)
How Low Can It Go
| Event | FICO | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -38.2% | -25.4% |
| % Gain to Breakeven | 61.9% | 34.1% |
| Time to Breakeven | 185 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -50.9% | -33.9% |
| % Gain to Breakeven | 103.7% | 51.3% |
| Time to Breakeven | 133 days | 148 days |
| 2018 Correction | ||
| % Loss | -28.6% | -19.8% |
| % Gain to Breakeven | 40.0% | 24.7% |
| Time to Breakeven | 51 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -76.2% | -56.8% |
| % Gain to Breakeven | 320.9% | 131.3% |
| Time to Breakeven | 1,100 days | 1,480 days |
Compare to EFX, TRU, SPGI, MCO, VRSK
In The Past
Fair Isaac's stock fell -38.2% during the 2022 Inflation Shock from a high on 7/23/2021. A -38.2% loss requires a 61.9% gain to breakeven.
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Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
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Here are 1-3 brief analogies for Fair Isaac (FICO):
- Intel for credit decisions.
- Microsoft Windows for credit scoring.
- The GPS for lending decisions.
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- FICO Score: A three-digit number widely used by lenders to assess an individual's credit risk and creditworthiness.
- Decision Management Suite: A comprehensive software platform that enables organizations to automate and optimize business decisions across various operational functions.
- Fraud & Compliance Solutions: Software and services designed to detect and prevent financial crime and ensure regulatory compliance for businesses.
- Customer Management Solutions: Integrated software solutions that help businesses manage the entire customer lifecycle, from credit origination to account management and collections.
- Analytic Consulting: Expert professional services that assist clients in developing and implementing advanced analytics and decision management strategies.
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Fair Isaac (FICO) Major Customers
Fair Isaac Corporation (FICO) primarily operates as a business-to-business (B2B) company, selling its predictive analytics, data management, and decision management solutions to other companies rather than directly to individuals. Its core products, including the well-known FICO® Score, are licensed to various institutions globally.
Major Customer Categories and Representative Public Companies:
1. Financial Institutions (Banks, Credit Card Issuers, Lenders)
This is FICO's largest and most prominent customer segment. Financial institutions utilize FICO's credit scoring models, decision management software, fraud detection tools, and other analytics to assess credit risk, manage portfolios, and optimize customer interactions throughout the customer lifecycle. While FICO works with thousands of institutions globally, the following are representative examples of major public companies in this category that are widely known to use FICO scores and related services:
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- Citigroup Inc. (C)
- American Express Company (AXP)
- Capital One Financial Corporation (COF)
2. Credit Bureaus (Credit Reporting Agencies)
FICO licenses its scoring models to the three major credit bureaus, which in turn provide these scores to lenders and consumers. These bureaus are critical partners in the distribution and accessibility of FICO scores:
- Equifax Inc. (EFX)
- TransUnion (TRU)
- Experian plc (EXPGY - U.S. ADR; Primary listing EXPN.L)
3. Other Industries
FICO's analytics and decision management platforms are also used in various other industries for purposes like fraud detection, customer acquisition, and collections. This includes sectors such as telecommunications, insurance, retail, utilities, and government agencies, although specific major public company names in these categories are not typically disclosed as primary customers by FICO due to the broad nature of its licensing.
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- Experian (Symbol: EXPGY)
- Equifax (Symbol: EFX)
- TransUnion (Symbol: TRU)
- Amazon.com, Inc. (Symbol: AMZN)
- Microsoft Corporation (Symbol: MSFT)
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William J. Lansing Chief Executive Officer William J. Lansing joined FICO as a board member in February 2006 and became CEO in January 2012. Prior to FICO, he held CEO and president positions at InfoSpace and ValueVision Media. He also served as CEO of NBC Internet and Fingerhut. Lansing was a partner at General Atlantic Partners, a global private equity investment firm. He also held leadership positions at General Electric, Prodigy, and McKinsey & Company. Steven P. Weber Executive Vice President and Chief Financial Officer Steven P. Weber was appointed Chief Financial Officer in May 2023, after serving as interim CFO since January 2023. He joined FICO in 2003, and his prior roles at the company include Vice President – Treasurer, Tax and Investor Relations, and head of FP&A. Before joining FICO, he was a Sr. Financial Analyst at Metris Companies. Nikhil Behl President, Software Nikhil Behl serves as the President of Software at FICO. Richard S. Deal Executive Vice President, Chief Human Resources Officer Richard S. Deal holds the position of Executive Vice President and Chief Human Resources Officer at FICO. Mark R. Scadina Executive Vice President, General Counsel & Corporate Secretary Mark R. Scadina is the Executive Vice President, General Counsel, and Corporate Secretary for FICO.AI Analysis | Feedback
Key Business Risks for Fair Isaac (FICO)
Fair Isaac (FICO) faces several significant risks that could impact its business operations and financial performance. These include heightened regulatory scrutiny, increasing competitive pressures from alternative scoring models, and risks associated with its high valuation multiples.1. Regulatory Scrutiny and Changes
FICO's business is heavily influenced by the regulatory environment, and increased scrutiny from agencies like the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB) poses a significant risk. Recent comments from the FHFA Director have raised concerns about FICO's pricing strategies, leading to increased regulatory attention and stock price volatility. In 2025, the FHFA's decision to mandate VantageScore 4.0 for government-backed mortgages was a pivotal moment, challenging FICO's near-monopoly in mortgage scoring and acting as a regulatory rebuke against FICO's aggressive pricing. This increased regulatory oversight could limit FICO's ability to implement aggressive pricing strategies and encourage lenders to diversify their risk assessment tools, potentially reducing reliance on FICO scores and eroding its market share and bargaining power. Furthermore, new regulations like the EU's AI Act, effective by 2026, demand credit scoring models to comply with strict transparency and bias-mitigation rules, which could favor AI platforms over FICO's proprietary algorithms.2. Competitive Pressures
FICO faces growing competition from alternative credit scoring models, most notably VantageScore. VantageScore has been gaining market share by integrating tri-bureau data and including alternative metrics such as rent payments, which allows it to score millions more consumers, including marginalized groups, than FICO. The mandated adoption of VantageScore by the FHFA for government-backed mortgages is expected to intensify competitive pressure and potentially erode FICO's market dominance, particularly in the lucrative mortgage scoring segment. Additionally, the emergence of new entrants and AI-native credit models in the fintech sector presents long-term threats to FICO's established position in the credit scoring industry.3. High Valuation and Earnings Disappointments
FICO's stock currently trades at high valuation multiples, which reflects investor expectations for continued strong growth and market dominance. However, these elevated multiples present a risk, as the company is susceptible to significant stock price corrections if it fails to meet these high growth expectations, even with minor earnings disappointments. Shifts in market sentiment, especially during periods of economic change or volatility, could also lead investors to be less willing to pay premium multiples for growth stocks, potentially resulting in valuation compression for FICO.AI Analysis | Feedback
The increasing adoption and regulatory acceptance of alternative credit scoring models, particularly VantageScore, as government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac move to incorporate these models into their mortgage underwriting processes. This development, expected to be fully implemented by Q1 2025, directly challenges FICO's long-standing dominance in the critical mortgage lending sector and provides a clear competitive alternative for lenders.
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FICO's Main Products and Addressable Markets:
- Credit Scoring and Analytics: The global credit analytics and scoring market was valued at approximately USD 6.94 billion in 2023 and is projected to reach USD 17.58 billion by 2033, growing at a CAGR of 9.77% from 2024 to 2033.
- Fraud Detection and Prevention: The global fraud detection and prevention market size was valued at USD 33.74 billion in 2023 and is expected to reach USD 195.91 billion by 2032, expanding at a compound annual growth rate (CAGR) of 21.60% during the forecast period from 2024 to 2032.
- Decision Management Software/Enterprise Decision Management: The global decision management software market size was estimated at USD 10.9 billion in 2023 and is projected to grow to USD 32.7 billion by 2032, at a CAGR of 13.0% from 2024 to 2032. This market includes solutions for credit risk management and other analytical applications. The credit risk management software market specifically was valued at USD 7.2 billion in 2022 and is projected to grow to USD 20.3 billion by 2032, at a CAGR of 11.2% during the forecast period.
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Expected Drivers of Future Revenue Growth for Fair Isaac (FICO) Over the Next 2-3 Years
- Cloud Transformation and Increased Subscription Revenue: A significant driver of future revenue growth for FICO is the ongoing migration of its customers to cloud-based solutions and the associated increase in recurring subscription revenue. This involves transitioning existing clients to the FICO Cloud and attracting new clients with the benefits of its scalable and integrated cloud offerings. As more clients adopt FICO's cloud-native platforms, the company benefits from more predictable, recurring revenue streams and potentially higher customer lifetime value.
- Expansion of FICO Platform Adoption: FICO's integrated decisioning platform is a key focus for growth. Increased adoption of the FICO Platform by both existing and new customers is expected to drive revenue. This includes clients expanding their use of various modules and services within the platform, thereby deepening their engagement and increasing the value derived from FICO's comprehensive analytical and decisioning capabilities.
- Growth in FICO Scores and Industry-Specific Solutions Volume: Continued strong demand for FICO Scores in credit originations and portfolio management across various industries, coupled with the expansion of other specialized solutions (e.g., fraud detection, compliance, marketing analytics), will contribute to revenue growth. As businesses increasingly rely on data-driven decisions, the volume of FICO Scores utilized and the uptake of its tailored solutions are expected to rise globally.
- Strategic Market Expansion: FICO is anticipated to drive revenue growth through strategic expansion into new geographic markets and by broadening its customer base within existing markets. This includes targeting underserved regions or industries where there is a growing need for advanced analytics, risk management, and customer decisioning solutions. Expanding market penetration allows FICO to capture new revenue opportunities.
- Leveraging Data and Analytics for Enhanced Product Offerings: FICO's extensive data assets and analytical expertise will continue to fuel the development and enhancement of new products and services. By continuously innovating and introducing solutions that address evolving client needs in areas like fraud prevention, regulatory compliance, and customer engagement, FICO can generate new revenue streams and strengthen its competitive position.
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Fair Isaac (FICO) has made the following capital allocation decisions over the last 3-5 years:Share Repurchases
- Fair Isaac repurchased approximately $1.7 billion of its common stock over the three fiscal years ending Q3 FY24.
- The company's Board of Directors authorized an additional $500 million share repurchase program in November 2023.
- Prior to that, a $500 million share repurchase program was authorized in February 2022, and another $500 million program was authorized in November 2021.
Outbound Investments
- In September 2022, Fair Isaac acquired Deed Research for approximately $55 million.
Capital Expenditures
- Fair Isaac's capital expenditures were $52.7 million for fiscal year 2023 and $56.6 million for fiscal year 2022.
- The company anticipates capital expenditures to be in the range of $50-60 million for fiscal year 2024.
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Peer Comparisons for Fair Isaac
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 377.06 |
| Mkt Cap | 34.6 |
| Rev LTM | 5,192 |
| Op Inc LTM | 1,223 |
| FCF LTM | 1,058 |
| FCF 3Y Avg | 853 |
| CFO LTM | 1,409 |
| CFO 3Y Avg | 1,242 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.5% |
| Rev Chg 3Y Avg | 11.4% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 42.0% |
| Op Mgn 3Y Avg | 38.5% |
| QoQ Delta Op Mgn LTM | 0.7% |
| CFO/Rev LTM | 36.9% |
| CFO/Rev 3Y Avg | 35.2% |
| FCF/Rev LTM | 34.2% |
| FCF/Rev 3Y Avg | 32.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 34.6 |
| P/S | 10.6 |
| P/EBIT | 25.2 |
| P/E | 39.3 |
| P/CFO | 26.0 |
| Total Yield | 3.2% |
| Dividend Yield | 0.7% |
| FCF Yield 3Y Avg | 2.7% |
| D/E | 0.1 |
| Net D/E | 0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 0.3% |
| 3M Rtn | -0.7% |
| 6M Rtn | -8.3% |
| 12M Rtn | -12.0% |
| 3Y Rtn | 48.2% |
| 1M Excs Rtn | -1.1% |
| 3M Excs Rtn | -3.8% |
| 6M Excs Rtn | -19.9% |
| 12M Excs Rtn | -30.5% |
| 3Y Excs Rtn | -26.0% |
Comparison Analyses
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Scores | 774 | 707 | 654 | 529 |
| Software | 740 | 671 | 662 | 766 |
| Unallocated Corporate Expenses | 0 | 0 | ||
| Total | 1,514 | 1,377 | 1,317 | 1,295 |
| $ Mil | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Scores | 681 | 619 | 561 | 454 |
| Software | 241 | 183 | 105 | 130 |
| Unallocated gains on product line asset sale | 2 | 100 | ||
| Unallocated amortization expense | -1 | -2 | -3 | -5 |
| Unallocated share-based compensation expense | -124 | -115 | -112 | -94 |
| Unallocated Corporate Expenses | -156 | -143 | -137 | -145 |
| Unallocated restructuring charges | -8 | -45 | ||
| Total | 643 | 542 | 505 | 296 |
Price Behavior
Price Behavior
| Market Price | $1,599.96 | |
| Market Cap ($ Bil) | 38.2 | |
| First Trading Date | 02/25/1992 | |
| Distance from 52W High | -27.5% | |
| 50 Days | 200 Days | |
| DMA Price | $1,731.41 | $1,704.18 |
| DMA Trend | indeterminate | up |
| Distance from DMA | -7.6% | -6.1% |
| 3M | 1YR | |
| Volatility | 38.3% | 47.7% |
| Downside Capture | 111.72 | 125.01 |
| Upside Capture | 16.22 | 84.50 |
| Correlation (SPY) | 19.5% | 38.7% |
FICO Betas & Captures as of 12/31/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.99 | 0.82 | 0.63 | 0.72 | 0.94 | 1.03 |
| Up Beta | -2.81 | -0.50 | -1.24 | -0.34 | 0.75 | 0.86 |
| Down Beta | 0.56 | 0.37 | 0.72 | 0.39 | 1.04 | 0.98 |
| Up Capture | 99% | 144% | 136% | 84% | 80% | 193% |
| Bmk +ve Days | 11 | 23 | 37 | 72 | 143 | 431 |
| Stock +ve Days | 10 | 21 | 33 | 61 | 130 | 424 |
| Down Capture | 228% | 123% | 82% | 140% | 113% | 102% |
| Bmk -ve Days | 11 | 18 | 27 | 55 | 108 | 320 |
| Stock -ve Days | 12 | 20 | 31 | 65 | 120 | 327 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| FICO vs. Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| FICO | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -19.6% | 26.7% | 19.1% | 70.6% | 6.6% | 4.3% | -0.8% |
| Annualized Volatility | 47.4% | 27.5% | 19.4% | 19.9% | 15.4% | 17.0% | 34.7% |
| Sharpe Ratio | -0.31 | 0.84 | 0.77 | 2.57 | 0.22 | 0.08 | 0.07 |
| Correlation With Other Assets | 32.3% | 38.1% | -0.1% | 8.8% | 38.2% | 10.5% | |
ETFs used for asset classes: Sector ETF = XLK, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, Bitcoin = BTCUSD
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Based On 5-Year Data
| FICO vs. Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| FICO | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 25.8% | 18.5% | 14.7% | 18.7% | 11.8% | 5.0% | 28.2% |
| Annualized Volatility | 38.4% | 24.7% | 17.1% | 15.7% | 18.8% | 18.9% | 48.5% |
| Sharpe Ratio | 0.70 | 0.67 | 0.69 | 0.96 | 0.51 | 0.17 | 0.55 |
| Correlation With Other Assets | 50.6% | 51.9% | 8.0% | 6.5% | 43.5% | 19.8% | |
ETFs used for asset classes: Sector ETF = XLK, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, Bitcoin = BTCUSD
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Based On 10-Year Data
| FICO vs. Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| FICO | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 32.5% | 22.5% | 14.8% | 15.0% | 7.1% | 5.2% | 71.7% |
| Annualized Volatility | 36.9% | 24.2% | 18.0% | 14.8% | 17.6% | 20.8% | 55.7% |
| Sharpe Ratio | 0.87 | 0.85 | 0.71 | 0.84 | 0.32 | 0.22 | 0.91 |
| Correlation With Other Assets | 60.8% | 62.0% | 6.1% | 17.2% | 51.6% | 17.7% | |
ETFs used for asset classes: Sector ETF = XLK, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, Bitcoin = BTCUSD
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/5/2025 | 2.8% | 9.1% | 8.1% |
| 7/30/2025 | -6.0% | -8.8% | -1.4% |
| 4/29/2025 | 1.4% | 5.1% | -14.1% |
| 2/4/2025 | 2.1% | -0.7% | 0.4% |
| 11/6/2024 | 4.1% | 12.3% | 13.5% |
| 7/31/2024 | -1.3% | 4.3% | 7.1% |
| 4/25/2024 | -6.9% | -2.4% | 16.0% |
| 1/25/2024 | -6.8% | -3.2% | 0.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 14 | 16 |
| # Negative | 10 | 9 | 7 |
| Median Positive | 2.7% | 6.7% | 9.0% |
| Median Negative | -2.6% | -3.2% | -3.9% |
| Max Positive | 31.1% | 39.2% | 38.7% |
| Max Negative | -8.4% | -10.5% | -14.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-K (09/30/2025) |
| 06/30/2025 | 07/30/2025 | 10-Q (06/30/2025) |
| 03/31/2025 | 04/29/2025 | 10-Q (03/31/2025) |
| 12/31/2024 | 02/04/2025 | 10-Q (12/31/2024) |
| 09/30/2024 | 11/06/2024 | 10-K (09/30/2024) |
| 06/30/2024 | 07/31/2024 | 10-Q (06/30/2024) |
| 03/31/2024 | 04/25/2024 | 10-Q (03/31/2024) |
| 12/31/2023 | 01/25/2024 | 10-Q (12/31/2023) |
| 09/30/2023 | 11/08/2023 | 10-K (09/30/2023) |
| 06/30/2023 | 08/02/2023 | 10-Q (06/30/2023) |
| 03/31/2023 | 04/27/2023 | 10-Q (03/31/2023) |
| 12/31/2022 | 01/26/2023 | 10-Q (12/31/2022) |
| 09/30/2022 | 11/09/2022 | 10-K (09/30/2022) |
| 06/30/2022 | 08/03/2022 | 10-Q (06/30/2022) |
| 03/31/2022 | 04/27/2022 | 10-Q (03/31/2022) |
| 12/31/2021 | 01/27/2022 | 10-Q (12/31/2021) |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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