
Fair Isaac (FICO) Stock Forecast & Price Target
Fair Isaac (FICO) Analyst Ratings
Bulls say
Fair Isaac Corporation demonstrates strong growth potential, highlighted by a 16% year-on-year increase in Annual Contract Value (ACV) bookings in the first quarter of FY25, with expectations for Annual Recurring Revenue (ARR) growth accelerating to 30% by the end of the fiscal year. Furthermore, significant growth in mortgage origination revenue, which soared by 110% year-on-year in 1Q25, underscores the firm’s strong position within the mortgage market as forecasts indicate a continued rise in mortgage originations. Lastly, the company's ability to implement price increases for its credit scores, along with the 10% year-over-year revenue growth in its software division, signifies a resilient business model poised for sustained profitability.
Bears say
Fair Isaac Corporation is grappling with a significant decline in consumer confidence, as reflected in a decrease from 105.3 to 98.3 in just a month, compounded by persistently high interest rates impacting financial performance. The company faced a notable 22% year-over-year decline in annual contract value bookings in the first half of fiscal 2024, contributing to a slowdown in platform annual recurring revenue to 20% in the first quarter of 2025, down from over 30% in fiscal 2024. Additionally, the company's reported earnings per share of $5.79 fell short of both estimates and consensus forecasts, signaling challenges ahead, particularly with pressures on software revenue due to a transition to a subscription model and ongoing high mortgage rates affecting inquiry volumes.
This aggregate rating is based on analysts' research of Fair Isaac and is not a guaranteed prediction by Public.com or investment advice.
Fair Isaac (FICO) Analyst Forecast & Price Prediction
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