Fair Isaac Corp's Winning Formula: Understanding Financial Metrics and Competitive Strengths

Fair Isaac Corp (FICO) has reported a daily gain of 23.22% and a 1.15% change over the past three months. Its GF Score of 92 out of 100 suggests substantial growth potential. The company has a market cap of $44.74 billion and sales of $1.93 billion, with an impressive operating margin of 45.87%. Its profitability rank and growth rank are also high, indicating a strong financial position and consistent operational performance.

Fair Isaac Corp (FICO) has experienced a significant rise in its stock price, gaining 23.22% on September 12, 2025, following a 1.15% increase over the past three months. The company's GF Score of 92 out of 100 suggests substantial growth potential. With a market capitalization of $44.74 billion and sales of $1.93 billion, FICO boasts an impressive operating margin of 45.87%. Its high profitability and growth ranks further underscore its strong financial position and consistent operational performance.

The stock's recent surge can be attributed to the company's announcement of a new Mortgage Direct License Program, which allows mortgage tri-merge resellers to independently calculate and provide FICO Scores. This program aims to significantly reduce costs, with average per-score fees potentially decreasing by up to 50%. The new pricing model includes a $4.95 fee per score and a $33 charge for funded loans per borrower, with lenders having the option to maintain the current $10 per-score rate FICO Introduces New Licensing Model to Cut Mortgage Score Costs^[2].

In addition to the new licensing model, FICO's robust financial health is evident in its revenue growth and profitability metrics. Over the past three years, the company has seen a 15% revenue increase, with operating margins reaching 45.87%, net margins at 32.8%, and EBITDA margins at 47.1%. The company's balance sheet reflects strong liquidity, with a current ratio of 0.92 and a quick ratio of 0.92. Despite some recent insider selling, FICO maintains a high Altman Z-Score of 12.5, indicating financial stability FICO Introduces New Licensing Model to Cut Mortgage Score Costs^[2].

Analysts remain positive about FICO's prospects, with a target price of $1,884.87 and a recommendation score of 2.1. Technical indicators such as the RSI (14) at 47.3 and moving averages provide additional context for market sentiment. Institutional ownership stands at 88.35%, reflecting strong confidence from large investors, while insider ownership is 5.51%, indicating alignment with shareholder interests FICO Introduces New Licensing Model to Cut Mortgage Score Costs^[2].

While the stock's recent performance is encouraging, investors should keep an eye on the company's earnings estimate revisions and market volatility. FICO's Zacks Rank #3 (Hold) suggests a neutral outlook, but the company's strong financial fundamentals and strategic initiatives position it well for future growth Fair Isaac (FICO) Moves 18.0% Higher: Will This Strength Last?^[1].