Fair Isaac Corporation (FICO), based in Bozeman, Montana, develops software with analytics and digital decision-making technologies that enable businesses to automate, enhance, and connect decisions in the Americas and internationally. With a market cap of $41.2 billion, the company operates in two segments, Scores and Software.

FICO has underperformed the broader market over the past year and in 2025. FICO stock prices have grown 8.6% over the past 52 weeks and have declined 24.5% on a YTD basis, compared to the S&P 500 Index’s ($SPX) 11.6% gains over the past year and a marginal uptick in 2025.

Narrowing the focus, FICO has outpaced the Technology Select Sector SPDR Fund’s (XLK) 7.9% rise over the past 52 weeks but has lagged behind its marginal decline in 2025.

On Apr. 29, FICO stock grew marginally following the release of its Q2 earnings. The company reported a 15% year-over-year growth in its total revenues, which amounted to $498.7 million and surpassed the Street’s estimates. Moreover, its non-GAAP EPS for the quarter rose 27.2% from the prior year’s quarter to $7.81 and beat the consensus estimates by 5.9%.

For the current year ending in September 2025, analysts expect FICO’s EPS to grow 34.9% to $23.98 on a diluted basis. The company’s earnings surprise history is disappointing. It surpassed the consensus estimate in only one of the last four quarters, while missing on three occasions.

Among the 15 analysts covering FICO stock, the consensus is a “Moderate Buy.” That’s based on eight “Strong Buy” ratings, three “Moderate Buys,”  and four “Holds.”

The configuration is slightly more bullish than two months ago, when only seven analysts recommended a “Strong Buy.”

On May 12, Needham analyst Kyle Peterson maintained a "Buy" rating for FICO stock and raised its price target from $2,500 to $2,575.

FICO’s mean price target of $2,281.28 indicates a premium of 51.7% from the current market prices. Its Street-high target of $2,600 suggests a robust 72.9% upside potential from current price levels.