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Fair Isaac Corporation (FICO) — chart, structure and Closelooknet read

The Closelooknet read

Fair Isaac Corporation sells analytics software built around credit and business decisioning. Its Scores segment produces the predictive credit scores lenders plug into their transaction systems, plus a consumer subscription service called myFICO.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for FICO, from the same nightly bakes the boards use. Research diary readings, not advice.

Mentioned on Closelooknet 4 pieces · newest: Morning 10, “Jobs day — futures +0.3% before payrolls; Nike −8.7% after hours, Accenture holds +15.8%” (2026-10-02)

Mentioned on Closelooknet

Where FICO appears in the diary — 4 pieces, newest first. Every link is our own writing.

Dailies

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sovereign pressure Index -2.05 · down 2.95 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-05
How it trades on rate days beta 1.07 to TLT · on the worst bond days it fell more than the market

How it trades on rate days

How FICO has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 1.07 — moves strongly with bonds for every 1% move in TLT (20+ year Treasuries), Fair Isaac Corporation moved 1.07% on average · correlation 0.16 · higher than 86% of US names
  • Beta, last 3 months 1.82 more rate-sensitive lately than over the year
  • On the 10 worst bond days −1.72% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days −2.63% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Software - Application · United States · 8 names with week and year-to-date

Peer group

Software - Application · United States

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against FICO on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Fair Isaac Corporation

FICO in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Fair Isaac Corporation sells analytics software built around credit and business decisioning. Its Scores segment produces the predictive credit scores lenders plug into their transaction systems, plus a consumer subscription service called myFICO. Its Software segment sells decision-management tools such as fraud detection, customer engagement and account-origination platforms, sold through direct sales and partners.
Where it sits in the stack
FICO does not hold a seat in Rubin, our AI build-out index, or in Halo, our AI-application index. Within Closelooknet's wider coverage it sits in the enterprise software sleeve, alongside decision-management and analytics vendors, outside the physical infrastructure stack the two indices track.
Who it is priced against
Closelooknet's peer group has not been set for FICO. The company is most often measured against the credit bureaus whose data feeds its scores — Equifax, Experian and TransUnion — even though FICO sells scoring software rather than the underlying data itself.
Why Closelooknet tracks it
FICO holds a seat in the S&P 500 but carries no Rubin or Halo seat and no Closelooknet score yet; the diary has logged no quotes for it in any edition so far.
What the diary watches
The diary watches whether Closelooknet builds a score for FICO and starts quoting it in the software sort, given the shares trade well below their recent high.

Fair Isaac Corporation (FICO) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 13 analyst actions on the wire · latest: price target by Needham, 2026-11-05

The Street on this name

Analyst actions and the latest print for FICO from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Needham — target 925 Target set to $925 (+31.9% to spot) 2026-11-05
  • Price target Wells Fargo — target 650 Target set to $650 (-7.3% to spot) 2026-11-05
  • Downgrade RBC Capital — Outperform → Sector Perform Downgraded to Sector Perform from Outperform 2026-11-05

13 actions on the analyst wire since 2026-08-13: 2 downgrades, 11 target changes. Analyst wire → · Earnings wire →

FAQ · from the current data · as of 2026-11-06

Quick answers

What is Fair Isaac Corporation (FICO)?

Fair Isaac Corporation trades as FICO on the US exchange (United States) in the Closelooknet research universe, as of the registry build of 2026-11-06.

Is FICO in a Closelooknet index?

Not currently — Fair Isaac Corporation is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-06.

Where does FICO trade against its moving averages?

Fair Isaac Corporation trades 15.5% below its 50-day and 36.1% below its 200-day moving average (4.3% below its 20-day). As of 2026-11-05 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does Fair Isaac Corporation compare with its peers?

Against its peer group (Software - Application · United States), Fair Isaac Corporation (FICO) sits 61.9% below its 52-week high, 15.5% below its 50-day average; Uber Technologies Inc (UBER) is 27.9% below, Procore Technologies Inc (PCOR) is 8.2% below, Bentley Systems Inc (BSY) is 10.6% below, as of 2026-11-05. Put any of them next to FICO in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Fair Isaac Corporation trade when bond yields rise?

Over the past year Fair Isaac Corporation had a beta of 1.07 to TLT, the long-dated Treasury fund — it moves strongly with bonds, higher than 86% of US names. On the 10 sessions in which long bonds fell most it moved −1.72% on average, against −0.74% for the S&P 500. As of 2026-11-05; The "How it trades on rate days" block on this page carries the lines.

Where has Closelooknet written about Fair Isaac Corporation?

Fair Isaac Corporation appears in 4 Closelooknet pieces as of 2026-11-06, most recently Morning 10: Jobs day — futures +0.3% before payrolls; Nike −8.7% after hours, Accenture holds +15.8% (2026-10-02); Morning 10: Markets — Nasdaq +1.5% before the open even as TLT breaks 78; Tokyo +3.3% on Micron's record quarter (2026-10-01); Morning 10: Bonds — TLT closes at a one-year low but holds 78; oil slides on a reserve release, Micron reports tonight (2026-09-30). What Closelooknet said most recently: The comeback names held their gains — Accenture +15.8%, Synopsys +12.8%, Fair Isaac +11.7%. (Morning 10, 2026-10-02). The "Mentioned on Closelooknet" block on this page lists the long reads, the reference entries and the dailies that name it.

What does Fair Isaac Corporation do?

Fair Isaac Corporation sells analytics software built around credit and business decisioning. Its Scores segment produces the predictive credit scores lenders plug into their transaction systems, plus a consumer subscription service called myFICO. Its Software segment sells decision-management tools such as fraud detection, customer engagement and account-origination platforms, sold through direct sales and partners. Closelooknet's peer group has not been set for FICO. The company is most often measured against the credit bureaus whose data feeds its scores — Equifax, Experian and TransUnion — even though FICO sells scoring software rather than the underlying data itself. (Company snapshot of 2026-09-17.)

Where does Fair Isaac Corporation sit in the AI build-out?

FICO does not hold a seat in Rubin, our AI build-out index, or in Halo, our AI-application index. Within Closelooknet's wider coverage it sits in the enterprise software sleeve, alongside decision-management and analytics vendors, outside the physical infrastructure stack the two indices track. FICO holds a seat in the S&P 500 but carries no Rubin or Halo seat and no Closelooknet score yet; the diary has logged no quotes for it in any edition so far. (Company snapshot of 2026-09-17.)

What has Wall Street done on Fair Isaac Corporation recently?

The most recent analyst action on Fair Isaac Corporation on the Closelooknet wire is a price target by Needham on 2026-11-05 (target 925). 13 actions on the analyst wire since 2026-08-13: 2 downgrades, 11 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for FICO, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Software - Application. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.