Is Fair Isaac Corporation (NYSE:FICO) a buy in 2026?
Hold. Fair Isaac Corporation is a wait-and-watch at today's price, not a fresh buy.
The best toll booth in American credit just picked a fight with its biggest customers, and Washington is now in the room.
Where FICO is headed
FICO sits in a strange spot for a company with 84% gross margins. The mortgage score price went from $3.50 in 2022 to $4.95 in 2024 to $10 in 2025, and management is signalling another lift into 2026. Revenue growth of 38.7% with 58% operating margins tells you the pricing power is real. The problem is that pricing power this naked attracts attention, and by mid-2026 it has plenty of attention. Bill Pulte at the FHFA spent late 2025 publicly questioning whether Fannie and Freddie should be paying FICO anything, VantageScore 4.0 got the green light for conforming loans, and the big banks are running parallel pilots. None of that has dented earnings yet. All of it shapes the next three years.
Read the full Compass Direction on FICO
The complete destination call, the overlooked angle, milestones, and bull, base, and bear price scenarios (around $1225.15).
See the full FICO analysisGet calls like this, free
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Frequently asked questions
Is Fair Isaac Corporation (NYSE:FICO) a buy in 2026?
Hold. Fair Isaac Corporation is a wait-and-watch at today's price, not a fresh buy. The best toll booth in American credit just picked a fight with its biggest customers, and Washington is now in the room.
What is FICO's Compass Score?
Fair Isaac Corporation scores 91/100 on Alexandria's Compass, placing it in the "True North" tier. Scores blend eight factors and update weekly.
What is the price target for FICO?
Alexandria's full Compass Direction includes bull, base, and bear price scenarios with the valuation math behind each. Read the full breakdown on the FICO page.
Compass verdicts are AI-generated, forward-looking editorial research from publicly available data, not investment advice or a recommendation regarding any security. Scores and verdicts update as the data changes.