Fair Isaac Stock On Fire: Up 12% With 5-Day Winning Streak
Fair Isaac (FICO) stock hit day 5 of a continuous streak of days with gains, with cumulative gains over this period amounting to a 12% return. The company has gained about $4.6 Bil in value over the last 5 days, with its current market capitalization at about $43 Bil. The stock remains 9.7% below its value at the end of 2024. This compares with year-to-date returns of 16.4% for the S&P 500.
FICO’s recent streak saw shares climb, driven by a robust earnings beat that surpassed analyst expectations. Investor confidence was further bolstered by the impending FHFA implementation of its advanced FICO 10T credit score model, promising to solidify market dominance. This, coupled with positive analyst outlooks and strategic AI advancements, underpinned the upward trajectory. For quick background: FICO provides analytic, software, and data management solutions that help businesses automate, enhance, and connect decisions through scoring and software products integrated into transaction streams.
What is the point? Momentum often precedes conviction. A multi-day win streak can signal growing investor confidence or spark follow-on buying. Tracking such trends can help you ride the strength, or prepare for a well-timed entry if momentum fades. Our take: There is not much to fear in FICO stock given its overall Strong operating performance and financial condition. But given its Very High valuation, the stock appears Relatively Expensive. Deep dive with Buy or Sell FICO.
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Comparing FICO Stock Returns With The S&P 500
The following table summarizes the return for FICO stock vs. the S&P 500 index over different periods, including the current streak:
| Return Period | FICO | S&P 500 |
|---|---|---|
| 1D | 2.4% | 0.2% |
| 5D (Current Streak) | 11.9% | 1.1% |
| 1M (21D) | 9.0% | 2.9% |
| 3M (63D) | 34.6% | 5.9% |
| YTD 2025 | -9.7% | 16.4% |
| 2024 | 71.0% | 23.3% |
| 2023 | 94.5% | 24.2% |
| 2022 | 38.0% | -19.4% |
However, big gains can follow sharp reversals – but how has FICO behaved after prior drops? See FICO Dip Buyer Analysis to learn more.
Gains and Losses Streaks: S&P 500 Constituents
There are currently 149 S&P constituents with 3 days or more of consecutive gains and 7 constituents with 3 days or more of consecutive losses.
| Consecutive Days | # of Gainers | # of Losers |
|---|---|---|
| 3D | 92 | 1 |
| 4D | 26 | 4 |
| 5D | 17 | 1 |
| 6D | 8 | 0 |
| 7D or more | 6 | 1 |
| Total >=3 D | 149 | 7 |
Key Financials for Fair Isaac (FICO)
Last 2 Fiscal Years:
| Metric | FY2024 | FY2025 |
|---|---|---|
| Revenues | $1.7 Bil | $2.0 Bil |
| Operating Income | $733.6 Mil | $935.8 Mil |
| Net Income | $512.8 Mil | $651.9 Mil |
Last 2 Fiscal Quarters:
| Metric | 2025 FQ3 | 2025 FQ4 |
|---|---|---|
| Revenues | $536.4 Mil | $515.8 Mil |
| Operating Income | $262.5 Mil | $248.1 Mil |
| Net Income | $181.8 Mil | $155.0 Mil |
While FICO stock looks attractive given its winning streak, investing in a single stock without detailed, thorough analysis can be risky. The Trefis High Quality (HQ) Portfolio, with a collection of 30 stocks, has a track record of comfortably outperforming its benchmark that includes all 3 — the S&P 500, S&P mid-cap, and Russell 2000 indices. Why is that? As a group, HQ Portfolio stocks provided better returns with less risk versus the benchmark index; less of a roller-coaster ride, as evident in HQ Portfolio performance metrics.