Fair Isaac Corporation ranks in an above-average position in its peer group, with stability as the least supportive dimension. The market setup has weakened, with clear trend damage and relative performance under pressure. Price behavior is partially reflecting the structural picture, with a moderate gap remaining.
AI Narrative Drives Volatility at FICO
52w drawdown -44.6% · 21d vs sector -23.7%
Peer-relative scores, weakest to strongest
Fair Isaac Corporation (FICO) provides analytics and decision management technology focused on credit scoring and risk assessment.
FICO is priced as an AI transition story, not a steady compounder. With a sector-leading operating margin of 44%, the business quality is clear, but 1Y volatility at 41.8% shows the market's sensitivity—because FICO's pivot to AI and regulatory adaptation makes every update a test of the narrative, causing even minor uncertainties to lead to sharp price swings. The company’s core—combining credit scoring with regulatory-sensitive data and AI integration—means the market consistently reacts to more than just operational strength, amplifying price moves on any perceived risk to the AI or regulatory story. The market prices FICO with little cushion for disappointment, quickly adjusting the stock on any doubts about AI progress or regulatory headwinds. A setback in AI integration or regulatory tightening is enough to trigger a hard rerating.
Break down FICO's position across all dimensions with the full interactive tool.
This analysis is rule-based and descriptive. Peer-relative scores are derived from functional peer group comparisons using publicly available financial data. Scores reflect structural positioning only and do not constitute investment advice, a buy or sell recommendation, or a forecast of future performance. AssetNext peer scores are recalculated periodically as new data becomes available.
AssetNext scores reflect each company's structural position within its functional peer group — not a ranking against all stocks simultaneously. Peers are identified by similarity across eight financial dimensions, including revenue growth trajectory, margin structure, capital intensity, and earnings stability. A score of 75 means the company ranks in the top quartile within its own peer group, not the entire market.
Four dimension scores drive the overall peer score: Growth (revenue trajectory and expansion dynamics), Quality (margin structure and capital efficiency), Valuation (peer-relative pricing on standard multiples), and Stability (earnings consistency and financial predictability). Each dimension is scored 0–100 relative to the peer group, then combined into an overall peer score using equal weighting.
Because scores are peer-relative, the same company can have slightly different scores in different index universes. On comparison pages, both companies are shown within their shared peer universe wherever possible — so the scores are directly comparable. The peer basis is stated on each score card.
Scores are recalculated periodically as underlying financial data is updated. All analysis is descriptive and rule-based — AssetNext describes structural realities and never issues buy, sell or hold recommendations.