Key Stats for Fair Isaac Corporation Stock
- Price Change: -2.8%
- Current Price: $1,296
- Street Mean Target: $2,001
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What Happened?
Shares of Fair Isaac Corporation (FICO) dipped 2.8% on Tuesday to close at $1,296 as investors weighed a record-breaking earnings report against elevated market expectations.
The credit scoring leader posted Q1 2026 revenue of $512 million, beating estimates and marking a 16.0% increase year over year.
The dominant Scores segment was the primary engine of growth, with revenues skyrocketing 29.0% due to aggressive unit pricing and a recovery in mortgage originations.
Analysts at Jefferies recently raised their price target to $2,200, citing a clear path for the firm to compound earnings at a 20-30% rate over the next five years.
Additionally, Raymond James boosted its target to $1,940, noting that FICO’s “monopoly-like” pricing power allows it to pass through costs effectively in any economic environment.
The company maintained its full year guidance, signaling that the general availability of the Score 10T model in 2026 remains a massive unpriced catalyst.
See analysts’ growth forecasts and price targets for Fair Isaac Corporation stock (It’s free!) >>>
Is Fair Isaac Corporation Undervalued Today?
On the latest conference call, CEO Will Lansing emphasized that the firm is actually outperforming its own internal expectations for the start of the year.
He stated: “We had a great start to the year and are well-positioned to exceed our fiscal year guidance. We reiterate our fiscal year 2026 guidance, which yields stronger growth than we achieved in FY25.”
Regarding the software platform’s transition, he highlighted how the shift toward recurring revenue is nearing a critical tipping point.
He noted: “While the conforming market is anticipating the general availability of FICO Score 10 T, we expect FICO Score 10 T to be available for direct licensing in both conforming and non-conforming in the first half of calendar 2026.”
The firm remains one of the few software businesses capable of maintaining 32.0% net margins while simultaneously growing its top line at double-digit rates.
Read the full FICO Transcript on TIKR to see the 2026 Score 10T roadmap >>>
While some models rely on historical averages, the Wall Street Consensus has rapidly adjusted to reflect FICO’s new high-growth reality.
- Street Mean Target: $2,001
- Current Price: $1,296
- Potential Upside: +54.4%
The investment case for Fair Isaac (FICO) is no longer just about stable credit scores: it is a story of elite software scaling and pricing dominance.
Conclusion: The credit scoring giant is entering its most profitable era. With a 54.4% upside potential and a Wall Street consensus aiming for $2,001, FICO stock offers a rare opportunity to buy a “monopoly-style” business at a significant tactical discount.
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
