Fair Isaac (FRA:FRI) Cyclically Adjusted Book per Share: €-10.75 (As of Mar. 2026)


FRA:FRI Fair Isaac Corp FRA:FRI
87 GF Score
Price €1,040.00
GF Value €1,845.49
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Fair Isaac Cyclically Adjusted Book per Share?

Fair Isaac FRA:FRI -0.57% 87 Cyclically Adjusted Book per Share is €-10.75 as of Mar. 2026. GuruFocus rates FRA:FRI with a GF Score™ of 87/100 and a GF Value™ of €1,845.49 (Significantly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Fair Isaac's adjusted book value per share for the three months ended in Mar. 2026 was €-78.039. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €-10.75 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Fair Isaac was 33.00% per year. The lowest was -81.80% per year. And the median was 7.55% per year.

As of today (2026-06-30), Fair Isaac's current stock price is €1040.00. Fair Isaac's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €-10.75. Fair Isaac's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Fair Isaac was 29687.88. The lowest was 8.15. And the median was 30.79.


Fair Isaac  (FRA:FRI) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Fair Isaac was 29687.88. The lowest was 8.15. And the median was 30.79.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Fair Isaac Cyclically Adjusted Book per Share Related Terms


Fair Isaac Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Fair Isaac's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fair Isaac Cyclically Adjusted Book per Share Chart

Fair Isaac Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.34 10.32 5.08 0.07 -6.31

Fair Isaac Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.86 -4.22 -6.31 -8.56 -10.75

FRA:FRI vs MSTR, ZM, WDAY: Cyclically Adjusted Book per Share Comparison

For the Software - Application subindustry, Fair Isaac's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fair Isaac Cyclically Adjusted PB Ratio vs Software Industry

For the Software industry and Technology sector, Fair Isaac's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Fair Isaac's Cyclically Adjusted PB Ratio falls into.


FRA:FRI
87GF Score
Fair Isaac Corp FRA:FRI
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fair Isaac Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Fair Isaac's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-78.039/330.2130*330.2130
=-78.039

Current CPI (Mar. 2026) = 330.2130.

Fair Isaac Quarterly Data

Book Value per Share CPI Adj_Book
201606 12.308 241.018 16.863
201609 12.870 241.428 17.603
201612 12.837 241.432 17.558
201703 12.898 243.801 17.470
201706 12.538 244.955 16.902
201709 11.833 246.819 15.831
201712 10.774 246.524 14.432
201803 10.077 249.554 13.334
201806 8.603 251.989 11.274
201809 8.490 252.439 11.106
201812 6.894 251.233 9.061
201903 7.538 254.202 9.792
201906 8.208 256.143 10.582
201909 9.090 256.759 11.690
201912 7.430 256.974 9.548
202003 6.664 258.115 8.525
202006 7.572 257.797 9.699
202009 9.661 260.280 12.257
202012 9.113 260.474 11.553
202103 6.506 264.877 8.111
202106 3.650 271.696 4.436
202109 -3.421 274.310 -4.118
202112 -17.971 278.802 -21.285
202203 -23.185 287.504 -26.629
202206 -31.748 296.311 -35.380
202209 -32.200 296.808 -35.824
202212 -30.100 296.797 -33.489
202303 -28.778 301.836 -31.484
202306 -26.104 305.109 -28.252
202309 -26.025 307.789 -27.921
202312 -26.751 306.746 -28.798
202403 -27.342 312.332 -28.907
202406 -31.364 314.175 -32.965
202409 -35.560 315.301 -37.242
202412 -44.469 315.605 -46.527
202503 -42.697 319.799 -44.087
202506 -50.282 322.561 -51.475
202509 -62.591 324.800 -63.634
202512 -64.981 324.054 -66.216
202603 -78.039 330.213 -78.039

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €-10.75 mean?
Fair Isaac (FRA:FRI) has a Cyclically Adjusted Book per Share of €-10.75 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Fair Isaac and its competitors.
Is Fair Isaac's Cyclically Adjusted Book per Share too high?
Fair Isaac's current Cyclically Adjusted Book per Share is €-10.75. Overall, Fair Isaac has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's Cyclically Adjusted Book per Share compare to MSTR and ZM?
Fair Isaac's Cyclically Adjusted Book per Share of €-10.75 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Software company?
A good Cyclically Adjusted Book per Share depends on the Software industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Fair Isaac and its competitors. Fair Isaac's current Cyclically Adjusted Book per Share is €-10.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fair Isaac stock overvalued right now?
Based on GuruFocus' analysis, Fair Isaac (FRA:FRI) is currently considered Significantly Undervalued. The stock's GF Value™ is €1,845.49, compared to a current price of €1,040.00 — trading 43.6% below its estimated fair value. The current Cyclically Adjusted Book per Share is €-10.75. Fair Isaac's overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Fair Isaac (FRA:FRI), the current Cyclically Adjusted Book per Share is €-10.75 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fair Isaac (FRA:FRI) Overvalued in 2026?

Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued. The current stock price of €1,040.00 is trading 43.6% below its estimated GF Value™ of €1,845.49. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for FRA:FRI:

  • Cyclically Adjusted Book per Share: €-10.75
  • GF Value™: €1,845.49 vs. price of €1,040.00 (43.6% below fair value)
  • GF Score™: 87/100 with 1 warning sign

No single metric tells the full story. See the FRA:FRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fair Isaac Business Description

Address 5 West Mendenhall, Suite 105, Bozeman, MT, USA, 59715
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's revenue and profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.
87GF Score

Get the complete analysis for FRA:FRI

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1,040.00
Price
€1,845.49
GF Value