You’ve probably seen the ticker flashing. Fair Isaac Corporation (FICO) is doing that thing again where the numbers look great, but the market feels like it’s holding its breath.
As of late morning on Friday, January 16, 2026, the fico stock price today is hovering around $1,598.04. That’s a decent little bump of about 1.07% from yesterday’s close of $1,581.19. Honestly, it’s a bit of a relief for anyone watching the screen after the volatility we’ve seen lately. Earlier this morning, things looked a bit dicey when the stock dipped to a low of $1,552.32, but it’s clawed its way back, even touching $1,598.15 at its peak so far today.
Why FICO is Acting So Weird Lately
It’s easy to get lost in the sea of green and red candles. But if you look at the bigger picture, FICO has been in a bit of a tug-of-war. Just a few days ago, specifically on January 13, the stock closed at $1,622.20. We’re trading significantly lower than that right now.
Why?
Basically, there’s a lot of noise about "valuation risk." FICO is currently trading at a price-to-earnings (P/E) ratio of roughly 60.20. To put that in perspective, your average software company is nowhere near that high. When a stock gets this expensive, investors start looking for reasons to sell. They see the CFO, Steven P. Weber, and other insiders selling off about $7.69 million worth of shares over the last three months, and they get spooky.
Is it a mass exodus? No. Insiders sell for a million reasons—buying a house, taxes, or just diversifying. But in a high-multiple environment, every sale looks like a red flag to a nervous market.
The Analyst Outlook: A Tale of Two Tapes
Despite the recent cooling off, Wall Street hasn't exactly turned its back on Fair Isaac. In fact, just this morning, Wells Fargo raised its price target for FICO to a staggering $2,500.00. That’s a huge vote of confidence.
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It follows a trend. Last week, Raymond James analyst Patrick O'Shaughnessy bumped his target to $1,940. Most analysts—about 83% of them—still have a "Buy" or "Strong Buy" rating on the stock. They aren't looking at today's minor price swings; they're looking at the fact that FICO is essentially a monopoly in the credit scoring world.
The January 28 Earnings Cliff
If you’re trading the fico stock price today, you need to have January 28, 2026, circled in red on your calendar. That’s when FICO drops its first-quarter fiscal 2026 results.
The stakes are high.
Consensus estimates are sitting at an EPS (earnings per share) of about $5.88 to $6.60, depending on which analyst you ask. Last year, the same quarter brought in $4.15. That is a massive expected jump. If FICO misses even by a penny, or if their software revenue growth looks slightly sluggish, the market might punish the stock.
However, FICO has a habit of beating expectations. In the last quarter, they reported $7.74 per share when everyone expected $7.34. They have a "Growth Score" of A from Zacks for a reason.
What’s Actually Driving the Value?
It’s not just about people applying for credit cards. FICO has been pivoting hard toward its "Platform" business. They’re using NVIDIA GPUs and CUDA-X to speed up their optimization engines by up to 50 times.
They’re also moving toward the FICO 10T model. This is the "trended" data model that gives lenders a better look at how you handle money over time, rather than just a snapshot. Goldman Sachs has highlighted the regulatory approval of 10T as a massive potential catalyst. If that gets the full green light for broad mortgage use, the current stock price might look like a bargain in hindsight.
Realities of the Current Market
Let's be real for a second. The stock is currently trading about 28% below its 52-week high of $2,217.60. If you bought at the top in May 2025, you're hurting right now.
But FICO is a "moat" company. Banks don't just stop using FICO scores because the economy gets a little bumpy. They actually need them more to manage risk. The software side, which accounts for a huge chunk of their $747.3 million annual recurring revenue (ARR), is the "sticky" part of the business that keeps the lights on during a downturn.
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Actionable Insights for Investors
If you're watching the fico stock price today, here is how to actually process this information without getting overwhelmed by the noise:
- Watch the Volume: Today’s volume is around 93,673 shares. That’s relatively light compared to the 200k+ average. Light volume usually means the current price move doesn't have a ton of "conviction" behind it yet.
- The $1,600 Resistance: The stock is struggling to break back above that $1,600 mark. If it can close above that today, it might signal a short-term trend reversal.
- Earnings Preparation: If you're looking to enter, keep in mind that the January 28 report will likely cause a double-digit percentage move in one direction or the other.
- Long-term vs. Short-term: From a 3-year perspective, FICO has been a monster. If you're a day trader, the high P/E makes it a dangerous game. If you're a long-term holder, you're likely focused on that $2,092 consensus price target.
FICO isn't a "get rich quick" meme stock. It's a foundational piece of the American financial infrastructure that happens to be going through a high-priced growth phase. The volatility is just the price of admission for a company that essentially owns the yardstick used to measure everyone's financial health.
For those tracking the intra-day moves, keep an eye on the $1,550 support level. If it breaks below that, the next stop could be the $1,300 52-week low. But with the recent analyst upgrades, it seems the big money is betting on a climb back toward the $1,900 range.