Stock Ratings / Consumer Discretionary / FICO

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Fair Isaac Corporation (FICO) — RQD Stock Rating Cockpit

$711.23 +0.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $713.31

Fair Isaac Corporation (FICO) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $15.32B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FICO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FICO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Fair Isaac Corporation (NYSE: FICO) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $711.23 (+0.29% 1D, market cap $15.32B). Pillar breakdown: Fundamental Cash Engine 20/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, FICO ranks #126 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FICO compare to RBA and AKAM in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Business Services), FICO carries a Roarable B- (71/100 RQD), trailing P/E of 23.5x, gross margin of 82.2%, and ROIC of 59.6%. By comparison, RBA (RB Global Inc.) holds a D+ grade (57/100 RQD, P/E 37.4x, ROIC 7.7%, cap $16.03B) and AKAM (Akamai Technologies Inc.) posts a C- grade (59/100 RQD, P/E 31.6x, ROIC 6.6%, cap $14.28B). Among the 5-stock peer group, FICO leads on earnings multiple (23.5x) while FICO leads on capital efficiency (59.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FICO?

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Per FICO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000814547), Fair Isaac Corporation generated $1.99B in revenue (+15.9% YoY), $651.9M in net income, and $769.9M in free cash flow against $1.85B in total assets and $2.80B in total debt. Key quantitative strengths: Strong cash generator (82% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $713.29 (+0.29%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 20/20 (A+) • 38.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FICO)Realized 20D OHLCV Swing Band: ±11%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY FICO SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+20/20 pts (28% of score)

SEC XBRL FY 2025 (10-K): 38.7% FCF Margin ($769.9M FCF) & 82.2% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$723.03+10.6% Next Q

Q2 (-2Q)

Grade B+$799.73-13.5% Next Q

Q3 (-1Q)

Grade B+$691.74+2.8% Next Q

Current

Grade B-$711.23+6.8% Hist 90D α

Trajectory: A- (79) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FICO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, FICO faces multiple-compression risk if 23.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 79.7% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($853.39) or 200D SMA ($1,114.42) invalidates the momentum regime and cuts Target Base ($752.84) toward Bear Floor ($583.21).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FICO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FICO Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

40.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

8.75>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

8 / 99-Pt Accounting

52-WEEK LASER RANGE10% OF RANGE

L: $586$711.23H: $1,859

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (82% profit margin and healthy balance-sheet cushion).

Factor Grade: A+RQD 20 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on FICO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (98)

59.6% ROIC with 82.2% gross margin and 5.03% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (80)

Altman-Z 8.75 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (58)

23/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like FICO

✓Strong cash generator (82% profit margin)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FICO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FICO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -32.90%📐 HORIZONTAL RANGE

2026-11-02O $698.2H $711.2L $698.2C $711.2VOL 978.0K

RES: $1,550.7SUP: $422.5SMA50: $853.4SMA200: $1,114.4

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FICO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FICO Butterfly Map → + Track FICO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

17.3%/yr Implied 5Y Growth

vs. +15.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FICO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FICO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FICO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FICO)

Consumer Discretionary Rank #126 of 1011 ⚔️ RBA vs FICO Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (FICO vs. RBA, AKAM, CART, FIS)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Fair Isaac Corporation (FICO) ranks #126 by composite RQD confidence (71/100, grade B-) and #127 by equity capitalization ($15.32B). Within this direct 5-issuer industry benchmark cohort, FICO leads on earnings valuation at 23.5x trailing P/E, while FICO leads on capital efficiency and profitability with 59.6% ROIC and 82.2% gross margin. CART currently holds the highest overall quantitative score in the immediate peer group at 88/100 (A) compared with FICO at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FICO ACTIVE Fair Isaac Corporation	B-	71/100	23.5x	82.2%	59.6%	+0.29%	$15.32B	Benchmark Subject
RBA RB Global Inc.	D+	57/100	37.4x	—	7.7%	+1.57%	$16.03B	/rba-vs-fico →
AKAM Akamai Technologies Inc.	C-	59/100	31.6x	56.8%	6.6%	-6.70%	$14.28B	/akam-vs-fico →
CART Maplebear Inc.	A	88/100	30.3x	73.7%	17.2%	-1.16%	$13.55B	/cart-vs-fico →
FIS Fidelity National Information Services Inc.	D	51/100	50.3x	36.9%	6.1%	+3.41%	$19.23B	/fis-vs-fico →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000814547

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Fair Isaac Corporation (FICO) reported GAAP revenue of $1.99B (+15.9% vs. FY2024 revenue of $1.72B , and +31.5% cumulative change since FY2023) , GAAP net income of $651.9M, operating cash flow of $778.8M, and free cash flow of $769.9M (+23.4% YoY). On the balance sheet, FICO closed FY2025 with $1.85B in total assets against $2.80B in total debt (Altman Z-Score: 8.75, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$1.99B	$651.9M	$778.8M	$769.9M	$1.85B	$2.80B
FY2024 (FY)	2024-09-30	$1.72B	$512.8M	$633.0M	$624.1M	$1.71B	$2.41B
FY2023 (FY)	2023-09-30	$1.51B	$429.4M	$468.9M	$400.8M	$8.42B	$1.97B

3. FICO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FICO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FICO compare to RBA and AKAM in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for FICO?

Where is FICO trading relative to its 50-day, 200-day, and 52-week technical levels?

FICO last traded at $711.23 (+0.29% on volume of 690,840 shares), positioning the stock -16.66% below its 50-day simple moving average ($853.39) and -36.18% below its 200-day simple moving average ($1,114.42). Across its 52-week range of $586.05 to $1,858.91, FICO sits at the 9.8% percentile with a 14-day RSI of 40.4 (NEUTRAL RANGE) and an implied next-earnings move of ±11.0% ($632.99 to $789.47).

FICO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FICO stock right now?

Fair Isaac Corporation (FICO) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support.

What is FICO's 12-month price target and RQD AI Jury consensus?

FICO's 12-month base price target is $752.84 (range $583.21 to $1951.86), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FICO RQD Cockpit FICO 12M Forecast FICO Earnings & Move FICO Dividends & DRIP FICO Insiders & 13F FICO Whale Options FICO Profit Sankey FICO News & Why

ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

FICO — Fair Isaac Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:14:36Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, FICO scores 71 out of 100, graded B-, with the verdict label "Roarable Buy — Sound Institutional Accumulation." The five pillars are:

Fundamental Cash Engine: 20 / 20. Per the RQD rating, this pillar reflects ROIC of 59.6% and an FCF yield of 5.03%. This is the strongest pillar and the main reason the score is weighted toward quality of cash generation.
Whale 13F Flow: 6 / 20. Per the RQD rating, this pillar covers institutional accumulation and options positioning. The score is low relative to the others, meaning the institutional flow signal is weaker than the fundamental signal.
Insider Conviction: 17 / 20. Per the RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow, and scores well.
Macro Regime Fit: 12 / 20. Per the RQD rating, this pillar reflects beta of 1.05 and sector sensitivity, indicating moderate exposure to broader market moves.
Forensic Balance Sheet: 16 / 20. Per the RQD rating, this pillar reflects Altman Z of 8.75, Piotroski F of 8/9, and Debt/Equity of 0.85.

For a prospective investor, the implication is that the score is driven by high cash-generation quality and balance-sheet strength, with insider flow supportive. The weaker institutional-flow and macro-fit pillars suggest the stock's direction may depend more on sentiment and sector conditions than on a broad institutional tailwind. Valuation context from the market data shows a P/E (TTM) of 23.5 and a forward P/E of 19.7, meaning earnings are expected to be higher on a forward basis per those figures. This is educational context, not personalized advice.

Snapshot

Metric	Value
Price	709.18
Market Cap	$15.32B
P/E (TTM)	23.5
Forward P/E	19.7
EV/EBITDA	19.3
EPS (TTM)	30.19
Dividend Yield	0%
Beta	1.05
52-Wk Range	$586.05 - $1858.91
ROIC %	59.6%

Business

Per the profile, Fair Isaac Corporation is a NYSE-listed issuer in the Consumer Discretionary sector and Business Services industry, with a market capitalization of $15.3B. Per the profile, the company operates in Business Services. Not available in source data: the specific products sold, the customer base, and the detailed revenue model.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$1990.9M	$924.9M	$651.9M	N/A	$769.9M	$162.0M	$2797.1M
FY 2024	$1717.5M	$733.6M	$512.8M	N/A	$624.1M	$184.3M	$2406.1M
FY 2023	$1513.6M	$642.8M	$429.4M	N/A	$400.8M	N/A	$1971.2M

Per the SEC financials, revenue, operating income, net income, and free cash flow rose across the three reported fiscal years, and debt increased from $1971.2M to $2797.1M. Per the market data, gross margin is 82.2%, operating margin 46.5%, and net margin 32.7%, with ROIC of 59.6%. Per the RQD rating, the Altman Z-Score is 8.75 and the Piotroski F-Score is 8/9, with Debt/Equity of 0.85 per the same rating. Cash declined from $184.3M in FY 2024 to $162.0M in FY 2025.

Recent Catalysts & News Wire Analysis

Per the recent news section, the wire contains several items flagged as risk-watch and market-wire:

A price target cut to $1138.63, described as implying 65% upside, flagged RED / RISK WATCH.
Reported as a workforce reduction of 15% tied to AI-driven restructuring, flagged RED / RISK WATCH.
Reported as a stock decline after the company held pricing for preferred lenders, flagged RED / RISK WATCH.
Reported as a stock decline of 14% after a Pulte statement on credit score competition, flagged RED / RISK WATCH.
Multiple market-wire items noting the stock's price action and positioning, flagged YELLOW.

Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, no upstream or downstream links are recorded, and no proprietary signals are present. Not available in source data: upstream suppliers, downstream customers, and sector correlation data. A prospective investor should note that the absence of recorded links means second-order ripple effects cannot be mapped from the provided data.

Open Questions

What are the specific products, customers, and revenue model behind the Business Services classification?
What is the EPS for the reported fiscal years, given that the financials show N/A?
What is the cash balance for FY 2023, which is recorded as N/A?
What is the underlying basis for the price-target cut and its stated upside, and what analyst coverage supports it?
How do the reported workforce reduction and pricing-related news items affect the forward earnings figures underlying the 19.7 forward P/E?

FICO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Fair Isaac Corporation (FICO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FICO Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 7h ago

Fair Isaac Corporation (FICO) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH TradingView • 10h ago

Fair Isaac Corporation Stock 12‑Month Price Target Cut to $1138.63, Implies 65% Upside

TradingView report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 13h ago

Why Fair Isaac Corporation (FICO) stock is nosediving

Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Reuters • 16h ago

FICO cuts workforce by 15% as part of AI-driven restructuring

Reuters report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Seeking Alpha • 19h ago

Fair Isaac stock slumps after holding pricing for preferred lenders (FICO:NYSE)

Seeking Alpha report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 22h ago

FICO stock falls 14% after Pulte pledges 'more action' on credit score competition

Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Has Fair Isaac (FICO)’s Vaunted Moat Narrowed?

Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Fair Isaac Corporation Announces Date for Reporting of Fourth Quarter Fiscal 2026 Financial Results

Yahoo Finance report covering Fair Isaac Corporation (FICO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FICO Bull vs. Bear Conversation Board — What's Your Call at $711.23?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FICO 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $836.83 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FICO (B- • RQD 71/100) a Buy at $709.18?

Welcome to the FICO (Fair Isaac Corporation) Roar Pit. Current RQD Composite is 71/100 (Roarable Buy — Sound Institutional Accumulation) in Business Services. Bulls point to capital efficiency (59.6% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $588.62 (-17.0%)

Spot @ $709.18

Pump the brakes on FICO — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FICO, but look at what you are paying: 23.5x trailing P/E with 82.2% gross margins. Unless Fair Isaac Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $886.48 (+25.0%)

Spot @ $709.18

FICO cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FICO, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $709.18 (52-wk range $586.05 - $1858.91), any beat on forward guidance forces shorts and underweight funds to chase.