Fair Isaac · Tech
FICO
$1257.11
FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956.FICO（原名Fair,IsaacandCompany）是一家美国数据分析公司，总部位于蒙大拿州博兹曼，专注于信用评分服务，由BillFair和EarlIsaac于1956年创立。
Rate-sensitive利率敏感
Large cap大盘
$30B
Engine stance引擎立场2026-07-20
Neutral — no clear edge中性 — 无明显优势
The bottoming setup is not yet confirmed (price still below the 10-day average) and oscillators are already extended/ove筑底形态尚未确认（价格仍位于 10 日均线下方），且摆动指标已过热——此处入场风险较高。等待价格收复 10 日均线且动量趋于稳定后再考虑建仓。
Key Statistics关键统计
Price价格
$1257.11
33.1% below 52-week high低于52周高点 33.1%
Market Cap市值
$30B
Normal volume正常成交量
P/E Ratio市盈率
45.8x
40.2x sector median
Beta贝塔
0.67
Moves about 0.7x the market波动幅度约为市场的 0.7 倍
RSI (14)RSI（14）
56
Neutral zone中性区域
Next Earnings下次财报
2026-07-29 (10d)
Volatility Rank波动率分位
37th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
9.2% of float
Performance价格表现
| Period周期 | FICO | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +0.5% | -1.5% | Beat the index by 2.0 points跑赢指数 2.0 个百分点 |
| 1 Month近1月 | +11.6% | +0.6% | Beat the index by 11.0 points跑赢指数 11.0 个百分点 |
| 3 Months近3月 | +17.1% | +4.7% | Beat the index by 12.4 points跑赢指数 12.4 个百分点 |
| 6 Months近6月 | -19.8% | +7.8% | Lagged the index by 27.6 points落后指数 27.6 个百分点 |
| Year to date年初至今 | -23.5% | +9.1% | Lagged the index by 32.6 points落后指数 32.6 个百分点 |
| 1 Year近1年 | -17.6% | +19.4% | Lagged the index by 37.0 points落后指数 37.0 个百分点 |
Technicals技术面
RSI (14)RSI（14）
56
Neutral zone中性区域
vs 50-day相对50日均线
+5.5% vs 50-day avg
vs 200-day相对200日均线
-10.2% vs 200-day avg
Volatility rank波动率分位
37th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$1209.00
Don't chase above不追高于
$1257.10
Stop止损
$1090.80
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
10
days until next report天后公布财报
2026-07-29
Estimates being raised — 6 analysts预期上调 — 6 位分析师
Post-earnings drift: +17.3% (20d)财报后漂移：+17.3%（20日）
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | FICO | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 45.82x | 40.17 | 41% |
| P/S市销率 | 15.00x | 4.85 | 12% |
| Earnings yield盈利收益率 | 2.18% | 2.19 | 50% |
| FCF yield自由现金流收益率 | 2.58% | 3.05 | 46% |
| Shareholder yield股东收益率 | 4.74% | 2.16 | 78% |
| EV/EBITDA企业价值/EBITDA | 34.89x | 29.30 | 42% |
| P/FCF市值/自由现金流 | 38.80x | 30.46 | 41% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 9.0%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 27.4%
Free Cash Flow自由现金流
Margins利润率
-36.1%Return on Equity股本回报率
35.2%Return on Assets资产回报率
Leverage杠杆
| Net debt / EBITDA净债务/EBITDA | 3.11 |
| Current ratio流动比率 | 0.83 |
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $1.4B |
| Stock-based comp股权薪酬 | $156.7M |
| Share count change (1y)股数变化（1年） | -2.8% |
Piotroski皮奥特罗斯基 7/9
Altman Z阿尔特曼Z: safe (11.0)
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 35% of its sector on blended multiples综合估值倍数低于行业内 35% 的公司
Beta市场敏感度
0.67×
0.21×3×
Moves about 0.7× the market波动幅度约为市场的 0.7 倍
Financial Health财务健康
7/9
Altman阿尔特曼: safe
Strong financial health财务健康状况良好
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Technology (Equal-Weight) theme — #23 of 46 themes「信息技术（等权）」主题 — 46 个主题中第 23 位
Macro宏观
Rate risk runs through its market / growth beta, not a distinct duration leg.其利率风险通过市场／成长beta体现，并无独立的久期暴露。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
FICO StochRSI turned up from oversoldFICO StochRSI自超卖区上行
Options Positioning期权持仓
Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±3.77%
Expected weekly move预期周波动
±8.43%
Call wall看涨密集区
$1250
Put wall看跌密集区
$1180
Gamma flip伽玛翻转
$1163
25d risk reversal25d风险逆转
-2.0%
Skew: 偏斜：balanced
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$19.1M net (0 buyers, 5 sellers)-$19.1M 净值（0 买家，5 卖家）
Concentrated ownership集中持仓
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Akre Capital Management | C | Adding加仓 | 6.3% | 2026-03-31 |
| AKO Capital | B | Adding加仓 | 2.7% | 2026-03-31 |
| Soros Fund Management | B | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TURN SIGNALED
BOTTOMING
Jul 17, 2026
FICO StochRSI turned up from oversoldFICO StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $1,257.11.StochRSI重回20上方 — 下行动量趋缓的最早预警。$1,257.11。
Jul 15, 2026
FICO daily MACD crossed downFICO 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $1,205.79.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$1,205.79。
Jul 10, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jun 30, 2026
FICO daily MACD crossed upFICO 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $1,194.78.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$1,194.78。
Jun 25, 2026
FICO StochRSI turned up from oversoldFICO StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $1,143.48.StochRSI重回20上方 — 下行动量趋缓的最早预警。$1,143.48。
Jun 23, 2026
NEARING A LOW → BOTTOMING接近低点 → 筑底中
BUY SETUP买入预备
Jun 22, 2026
BOTTOMING → NEARING A LOW筑底中 → 接近低点
GET READY准备
Jun 22, 2026
FICO printed a daily-cycle lowFICO 打出日线周期低点
A confirmed local low — in this cycle framework the highest-odds long-entry window. $1,090.85.一个已确认的局部低点 — 在本周期框架中做多胜率最高的入场窗口。$1,090.85。
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Factor Profile因子特征
Composite factor score综合因子得分: -0.87
Value价值
-1.2
Quality质量
-2.6
Investment资本投入
-0.0
Shareholder payout股东回报
+0.2
Low volatility低波动
-0.8
Low market beta低市场敏感度
+0.2
Earnings quality盈利质量
+0.4
Short interest空头兴趣
-1.1
Company Profile公司档案
FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956.FICO（原名Fair,IsaacandCompany）是一家美国数据分析公司，总部位于蒙大拿州博兹曼，专注于信用评分服务，由BillFair和EarlIsaac于1956年创立。
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Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。