Fair Isaac Corporation ranks in an above-average position in its peer group, with growth as the main structural strength, while stability is less supportive than the other dimensions. The market setup has weakened, with clear trend damage and relative performance under pressure. The market is broadly confirming the structural profile.
Peer-relative scores, weakest to strongest
Fair Isaac Corporation develops credit scoring and analytics software for the financial services industry.
FICO is priced as an AI-scoring story with a premium. With a 46% operating margin, the business delivers sector-leading profitability, but the market focuses on momentum because FICO’s Scores segment is growing 60% and AI integration drives growth—so each quarter tests narrative continuity, and even minor growth deviations trigger sharp repricing. The company dominates AI-driven credit scoring in a highly regulated environment, which increases complexity and raises expectations for flawless execution. The market prices in 41.5% 1Y volatility—peer top quartile and high for a business of this quality—by reacting with outsized swings to every growth or guidance update. A missed growth quarter or a break in the AI narrative triggers immediate premium compression.
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.