InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$771.19

2026-10-16

Market Cap

$16.7B

Volume

0.8M

52-Wk High

$1858.91

52-Wk Low

$586.05

Trailing PE

22.2

P/S

6.96

Gross Margin

85.1%

Net Margin

34.1%

ROE

-33%

ROIC

59%

Piotroski

8/9

Altman Z

8.5

1-Yr Return

-52.4%

5-Yr Return

+122.6%

Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.

SectorTechnologyIndustrySoftware - ApplicationExchangeNYSEMarket Cap$16.7BEmployees3,811 (SEC-filed)CEOWilliam J. LansingIPO1987-07-22CountryUS

5 West Mendenhall, Bozeman, MT 59715 · Tel 406 982 7276 · fico.com

INSIDERSTREET SCORE80 / 100Street mean $1207.72 (18 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$2M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · FICO -52.4% · S&P 500 +15.9% · spread -68.3pp

7 Years vs S&P 500 · FICO +122.6% · S&P 500 +189.9% · spread -67.2pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE80of 100

Score Breakdown

Profitability	80/100
Growth	87/100
Momentum	99/100
Quality	79/100
Earnings Quality	56/100
Balance Sheet	36/100
Value	32/100
Risk (safety)	100/100
Overall	80.1/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
DT	61
U	32
TYL	66
SSNC	53
DOCU	74
GWRE	69
FICO	80

IS Score Trend — quarterly

15 quarters, 23 Q1 to 26 Q3. Peak 80 in 26 Q2, latest 80 — -0 since. Fell in 3 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY80 / 100IS Score 80.1 / 100 · -0.1 from peak of 80

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURENEUTRALTechnical Score 46 / 100 · Power -7 · 12 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 80, price structure 46 out of 100, so the business reads better than the price does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 80.1	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 76 → 73 → 80 → 80	the direction matters more than the level
Technical vote share back above 50%	now 55%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,019 → now 850	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score1 of 4top 66% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)0 buysnone disclosed

Insider Buys (180d)0none disclosed

ETF Funds (30d)869 up / 881 downnet -12 funds

Institutions Added (13F)-8managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,019 · latest 850 (-169 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	850	21.8M	$25.8B	96.0%
2026 Q1	858	21.3M	$22.6B	94.1%
2025 Q4	991	21.1M	$35.3B	93.1%
2025 Q3	943	20.7M	$30.5B	91.2%
2025 Q2	1,019	21.2M	$36.6B	93.7%
2025 Q1	971	21.3M	$37.1B	93.9%
2024 Q4	1,006	21.1M	$39.5B	93.2%
2024 Q3	923	21.7M	$38.5B	95.7%
2024 Q2	830	22.0M	$30.4B	97.0%
2024 Q1	790	21.3M	$24.5B	93.8%
2023 Q4	749	21.4M	$23.1B	94.2%
2023 Q3	683	21.4M	$17.7B	94.6%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Kelly Braden R	director	2026-08-24	EXERCISE	1,386	$0.63M	13,940
Kelly Braden R	director	2026-08-24	EXERCISE	1,285	$0.61M	15,225
Kelly Braden R	director	2026-08-24	EXERCISE	1,386	$0.63M	0
Kelly Braden R	director	2026-08-24	EXERCISE	1,285	$0.61M	0
Stansbury Henry Tayloe	director	2026-08-22	EXERCISE	91	—	351
Stansbury Henry Tayloe	director	2026-08-22	EXERCISE	91	—	0
Kelly Braden R	director	2026-08-21	EXERCISE	1,682	$0.66M	12,554
Kelly Braden R	director	2026-08-21	EXERCISE	1,682	$0.66M	0

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	2	1,487	$2.0M	Counted
M — Exercises (paired A/D)	15	9,800	$2.4M	None — mechanics
F — Tax withholding	4	1,668	$2.0M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$2.0M2 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-07-29	Eva Manolis	967	$1.3M
2026-02-13	Rees Joanna	358	$0.5M
2025-12-17	Steven P Weber	1,426	$2.6M
2025-12-12	Eva Manolis	1,041	$1.9M
Trailing 12 mo	7 filings	24,464	$36M

Filed	Form	Reporting person	% of class	Shares
2026-08-12	SCHEDULE 13G	Capital International Investors	5.40%	1.3M sh
2026-08-12	SCHEDULE 13G	Capital Research Global Investors	5.60%	1.3M sh
2026-04-29	SCHEDULE 13G	Vanguard Portfolio Management	5.31%	1.3M sh
2026-04-29	SCHEDULE 13G	Vanguard Capital Management	7.31%	1.7M sh

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Member	Chamber	Trade	Size band	Traded	Disclosed
Michael McCaul	House	SELL	$1,001 - $15,000	2026-04-22	2026-05-11
Michael T. McCaul	House	SELL	$1,001 - $15,000	2026-04-22	2026-05-11
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-04-14	2026-05-11

House 12-Mo15 trades7 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)858

13F Shares21M94.1% of shares out

New / Closed106 / 226positions, QoQ

Increased / Reduced266 / 365positions, QoQ

Put/Call (13F)0.80option positions

Free Float96.8%21M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	30,895	$18M
Chicago Capital, Llc	28,959	$17M
Ninety One Uk Ltd	22,844	$14M
Y-Intercept	13,189	$8M
Congress Asset Management Co	9,472	$6M
Solidarity Wealth, Llc	8,981	$5M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$386M
VTSAX	0.0%	$386M
VSMPX	0.0%	$386M
VTI	0.0%	$386M
FXAIX	0.0%	$345M
VOO	0.0%	$335M

13F Filers Holding FICO — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session50.3%2026-10-15

20-Day Avg47.0%50-day 56.8%

TrendFalling20d vs 50d

By Market CenterQ: 50% · N: 66% · B: 26%latest session

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Weekly Notional ($B)

Where FICO Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	0.4M	10 sh
Ubsa Ubs Ats	0.4M	12 sh
Mspl Ms Pool (Ats-4)	0.3M	26 sh
Mlix Instinct X	0.2M	16 sh
Ebxl Level Ats	0.1M	6 sh
Mstx Ms Trajectory Cross (Ats-1)	0.1M	7 sh

Where a dollar of Fair Isaac Corporation revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
Americas	$1.7B	87%
EMEA	$160M	8%
Asia Pacific	$99M	5%

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FICO (live moat model)Peer median: DT · U · TYL · SSNC · DOCU

Component scores from the live moat model. Peer median illustrative.

Moat score 68/100 — Narrow; primary source Intangible Assets.

3.8 · Employees (SEC filings)

Officer	Title
William J. Lansing	President, Chief Executive Officer & Director
Nikhil Behl	President of Software
Mark Russell Scadina	Executive Vice President, General Counsel & Corporate Secretary
Richard Shawn Deal	Executive Vice President & Chief Human Resources Officer

Revenue ($M)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

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Quarterly EPS — Actual vs. Consensus

Beats (>2%)6 of 6recent quarters

Avg Surprise+7.2%

Next Report2026-11-04

Income Quality1.23OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

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Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+1.7%	+4.6%	+9.9%	+13.5%	+15.9%
Gross profit	+5.4%	+9.2%	+11.9%	+13.9%	+19.6%
Operating income	+70.8%	+7.3%	+18.5%	+14.1%	+26.1%
Net income	+65.8%	-4.7%	+14.9%	+19.4%	+27.1%

$M · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	1,317	1,377	1,514	1,718	1,991
Cost of revenue	332	302	311	348	354
Gross profit	984	1,075	1,203	1,369	1,637
R&D expense	171	147	160	172	188
SG&A expense	396	384	401	463	513
Operating income	505	542	643	734	925
EBITDA	539	561	664	761	951
D&A	26	20	15	14	15
Pretax income	473	471	554	642	803
Income tax	81	98	124	129	151
Net income	392	374	429	513	652
Diluted EPS ($)	13.40	14.18	16.93	20.45	26.54
Diluted shares (M)	29	26	25	25	25

Operating CF$779M

CapEx$9M

Free cash flow$770M

SBC$157M

Buybacks$1,415M

Net cash change$-17M

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Balance Sheet — Full

$M	FY22	FY23	FY24	FY25
Cash & equivalents	133.2	136.8	150.7	134.1
ST investments	0.0	0.0	0.0	0.0
Receivables (net)	322.4	387.9	426.6	529.1
Total current assets	484.7	556.4	617.4	705.2
PP&E (net)	54.3	36.7	68.0	93.9
Goodwill + intangibles	763.1	774.2	782.8	783.3
Total assets	1,442.0	1,575.3	1,717.9	1,868.1
Accounts payable	17.3	19.0	22.5	32.3
Short-term debt	30.0	50.0	15.0	399.5
Deferred revenue	120.0	136.7	156.9	187.4
Total current liabilities	331.5	367.7	380.3	849.2
Long-term debt	1,823.7	1,811.7	2,194.0	2,656.2
Total liabilities	2,244.0	2,263.3	2,680.6	3,613.9
Shareholders' equity	-801.9	-688.0	-962.7	-1,745.8

Cash Flow Statement — Full

$M	FY22	FY23	FY24	FY25
Net income	373.5	429.4	512.8	651.9
D&A	20.5	14.6	13.8	15.0
Stock-based compensation	115.4	123.8	149.4	156.7
Working capital change	(35.9)	(63.4)	(20.5)	(18.5)
Operating cash flow	509.4	468.9	633.0	778.8
Capital expenditures	(6.0)	(4.2)	(25.6)	(8.9)
Investing cash flow	(5.7)	(16.0)	(28.0)	(43.7)
Buybacks	(1,104.2)	(405.5)	(821.7)	(1,414.5)
Dividends paid	0.0	0.0	0.0	0.0
Debt issuance / (repay)	591.9	5.0	343.0	856.2
Financing cash flow	(547.2)	(455.0)	(592.9)	(750.3)
Free cash flow	503.4	464.7	607.4	769.9

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	356.2%	-81.8%	-57.6%	-62.1%	-48.1%	-33%
ROA	24.7%	24.8%	28.5%	31.1%	36.4%	40.0%
ROIC	40.7%	44.0%	46.3%	51.9%	62.9%	59.4%
Gross margin	74.7%	78.1%	79.4%	79.7%	82.2%	85.1%
Operating margin	38.4%	39.4%	42.5%	42.7%	46.5%	51.7%
Net margin	29.8%	27.1%	28.4%	29.9%	32.7%	34.1%
EBITDA margin	40.9%	40.7%	43.9%	44.3%	47.8%	53.0%
FCF margin	31.6%	36.6%	30.7%	35.4%	37.6%	—
VALUATION
P/E	28.96	28.21	51.12	95.05	55.46	22.2
P/B	-102.34	-13.14	-31.91	-50.63	-20.71	-4.3
P/S	8.62	7.65	14.50	28.38	18.16	6.96
P/FCF	27.28	20.93	47.24	80.24	48.33	16.7
EV/EBITDA	23.19	21.96	35.73	66.76	41.10	17.4
EV/Revenue	9.49	8.94	15.67	29.60	19.64	9.2
Earnings yield	3.5%	3.5%	2.0%	1.1%	1.8%	4.66%
FCF yield	3.7%	4.8%	2.1%	1.2%	2.1%	5.98%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.99	1.46	1.51	1.62	0.83	1.18
Quick ratio	0.99	1.46	1.51	1.62	0.83	1.18
Debt / equity	-12.03	-2.38	-2.76	-2.33	-1.76	-1.37
Debt / assets	85.1%	132.6%	120.7%	130.5%	164.6%	274.8%
Net debt / EBITDA	2.11	3.17	2.66	2.75	3.09	4.22
Interest coverage	12.80	7.83	6.79	7.08	7.01	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.83	0.92	1.00	1.04	1.11	1.17
Receivables turnover	4.07	4.34	4.26	4.22	4.17	4.0
DSO (days)	90	84	86	87	88	90
DPO (days)	24	23	21	22	28	28
Cash conversion cycle	66	61	64	65	59	63
GROWTH (YoY)
Revenue growth	1.7%	4.6%	9.9%	13.5%	15.9%	—
Net income growth	65.8%	-4.7%	14.9%	19.4%	27.1%	—
EPS growth	73.4%	6.3%	16.3%	20.4%	32.0%	—
FCF growth	21.4%	20.9%	-7.7%	30.7%	23.2%	—
PER SHARE ($)
EPS (diluted, TTM)	13.74	14.61	16.99	20.45	26.98	35.95
Book value / share	-3.89	-31.36	-27.22	-38.39	-72.26	-180.73
Revenue / share	46.14	53.86	59.89	68.48	82.40	105.58
FCF / share	14.59	19.69	18.39	24.22	30.96	43.94
Cash / share	6.85	5.21	5.41	6.01	5.55	10.96
SHAREHOLDER RETURN & SCORES
Buyback yield	7.7%	10.5%	1.8%	1.7%	3.9%	13.25%
Altman Z-Score	8.28	8.01	11.29	16.69	12.04	8.5
Piotroski F-Score	7	6	9	8	7	8/9
Beneish M-Score	-2.67	-2.88	-2.40	-2.72	-2.58	-2.68

Model	Score	Zone	Note
Piotroski F-Score	8 / 9	Strong
Altman Z-Score	8.5	Safe (>2.99)	Safe
Income quality	1.23	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.68	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.77
Interest burden	0.85
Operating margin	52.3%
Asset turnover	1.23×
Financial leverage	-0.71×
= ROE	-30%

Growth Quality (live)	Value
Revenue stability	0.85
Earnings stability	0.87
Earnings persistence	0.88
Revenue CAGR 3y	17.6%
EPS CAGR 3y	29.5%
FCF CAGR 3y	30.7%

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Buyback Yield13.25%

Dividend Yield0.00%

Total Shareholder Return13.15%cash yield

SBC / Revenue7.3%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
DT	$17.7B	120.2	6%	6.6%	+17.9%	5/9	+29.0%
U	$17.8B	-29.7	-19%	-4.3%	+14.0%	5/9	+16.3%
TYL	$14.8B	47.3	10%	14.5%	+8.2%	8/9	-27.3%
SSNC	$19.7B	23.5	13%	13.8%	+8.6%	7/9	+6.0%
DOCU	$14.0B	44.7	18%	8.9%	+8.6%	7/9	—
GWRE	$13.8B	102.3	11%	7.6%	+22.7%	7/9	—
PTC	$21.0B	18.6	35%	19.8%	+19.5%	6/9	—
MANH	$13.0B	63.1	96%	16.9%	+6.5%	5/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

20 Analysts

Str Sell (0)Sell (0)Hold (5)Buy (15)Str Buy (0)

Mean Target (qtr)$1207.7218 targets

Target vs. Price+56.6%last-quarter mean

Next Report2026-11-04street $10.86

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$2.54B	$2.56B / $2.52B	$42.80	$43.43 / $42.32	13
FY2027	$2.79B	$2.99B / $2.52B	$49.65	$54.69 / $42.52	13
FY2028	$3.03B	$3.46B / $1.85B	$56.48	$70.81 / $32.63	8

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$1096.15	+42.1%	13
Last Quarter	$1207.72	+56.6%	18
Last Year	$1359.71	+76.3%	31
All Time	$1560.66	+102.4%	53

Rolling mean of published targets vs. last close $771.19. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

C+

DCF

3/5

ROE

1/5

ROA

5/5

Debt/Eq

1/5

P/E

2/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

FICO -52.4% vs S&P 500 +15.9% — spread -68.3pp

Sector — XLK +29.0%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$748.90	+22.29	+2.98%	Above
SMA 50	$937.63	-166.44	-17.75%	Below
SMA 200	$1166.85	-395.66	-33.91%	Below
EMA 9	$735.59	+35.60	+4.84%	Above
EMA 21	$776.51	-5.32	-0.69%	Below
EMA 50	$896.85	-125.66	-14.01%	Below
EMA 200	$1159.59	-388.40	-33.49%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTNEUTRALPower Score -712 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%20

Momentum 25%70

Volume 20%62

Volatility 10%33

Patterns 15%50

This Week55% bullishof 11 price-based votes

4 Weeks Ago0%+55 pts since

12 Weeks Ago27%+28 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$748.90

Price vs SMA 50$937.63

Price vs SMA 200$1166.85

EMA 9/21 Cross735.6/776.5

SMA 50/200Death

ADX DirectionADX 31

Supertrend$774

Parabolic SAR$642

SMA Slope-8.920

RSI45.8

Stochastic K/D70/56

StochRSI K/D98/96

Williams %R-7

CCI17

TSI vs Signal-26.5

CMO-8.4

ROC16.63%

OBV SignalAccum

Chaikin MF0.040

MFI52

Force Index-4M

Elder Ray Bull9.13

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 56

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$756.74 / $784.03 / $798.12	S1 / S2	$742.65 / $715.36
Bollinger (20,2)	$555.46 – $942.34	Squeeze	Off
52-wk range	$586.05 – $1858.91	Off 52-wk high	-58.5%
ATR (14)	$50.09 (6.5%)	Historical vol	122.1%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-0.1%Jan55%

+0.4%Feb55%

+1.8%Mar57%

+0.9%Apr55%

+3.6%May70%

+1.9%Jun70%

+2.9%Jul65%

+0.4%Aug40%

-2.0%Sep25%

+1.6%Oct60%

+8.2%Nov65%

+2.3%Dec40%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	FICO	S&P 500
Weekly volatility (σ, 1y)	8.67%	1.83%
Best / worst week (1y)	+16.4% / -25.9%	—
Max drawdown (5y, monthly)	-66.6%	—
1-week VaR (95%)	-21.4%	—
Beta (5y)	1.32	1.00

FICO EQUITY WEATHER (LIVE)RAINY · -26

Trend-48

Momentum+38

Volume-52

Volatility-60

Breadth-17

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 254 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-25.9-10.5 vs industry

Trend-48.3-30.3 vs industry

Momentum+38.4+55.7 vs industry

Volume-51.7-51.7 vs industry

Reading	FICO	Software - Application n=1,755	Technology n=6,969	All US symbols n=70,435
Overall	-25.9	-15.4	-20.7	-20.5
Trend	-48.3	-18.0	-20.8	-21.3
Momentum	+38.4	-17.4	-28.5	-15.8
Volume	-51.7	+0.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
William Lansing Chief Executive Officer	$36.0M	98% equity+incentive
Nikhil Behl President, Software	$7.7M	93% equity+incentive
James Wehmann Former President, Scores	$7.3M	93% equity+incentive
Mark Scadina Executive Vice President, Gener	$7.1M	91% equity+incentive
Richard Deal Executive Vice President, Chief	$7.0M	93% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	54
Social	81
Governance	76
Composite ESG	70

Composite ESG Trend

Filed	8-K contents	Items
2026-10-06	Exit/Disposal Costs	2.05
2026-07-29	Earnings Release; Exhibits	2.02,9.01
2026-06-08	Material Agreement; Financial Obligation; Other Events; Exhibits	1.01,2.03,8.01,9.01
2026-04-28	Earnings Release; Exhibits	2.02,9.01
2026-03-11	Other Events; Financial Statements and Exhibits	8.01,9.01
2026-03-11	Other Events; Financial Statements and Exhibits	8.01,9.01
2026-03-05	Amendments to Articles of Incorporation or Bylaws; Submission of Matte	5.03,5.07,9.01
2026-01-28	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-11-10 to 2026-07-29
Analyst estimates	dim/forward_estimates	3 rows · 2026-09-30 to 2028-09-30
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	111 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-07-05 to 2026-08-24
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2026-04-29 to 2026-08-12
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Fair Isaac Corporation (FICO)

Institutions holding — 12 quarters

Fair Isaac Corporation (FICO)

Monthly Net Insider Flow (000 shares)

Signal Summary

Fair Isaac Corporation (FICO)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding FICO — quarterly

Institutional Put/Call — quarterly

Fair Isaac Corporation (FICO)

Where FICO Trades in the Dark

Fair Isaac Corporation (FICO)

3.8 · Employees (SEC filings)

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Balance Sheet — Full

Cash Flow Statement — Full

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Street Price Target — Trajectory

Third-Party Composite Rating

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Family Scores (site weights)

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)

Fair Isaac Corporation (FICO)