Fair Isaac (BSP:F2IC34) Cyclically Adjusted PB Ratio: (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:F2IC34 Fair Isaac Corp BSP:F2IC34
73 GF Score
Price R$152.59
GF Value R$245.35
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Fair Isaac Cyclically Adjusted PB Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PB Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Fair Isaac  (BSP:F2IC34) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Fair Isaac Cyclically Adjusted PB Ratio Related Terms


Fair Isaac Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Fair Isaac's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Fair Isaac Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.98 41.68 164.54 24,459.80 0.00

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 PB Ratio 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 0.00 0.00 0.00 0.00 0.00

BSP:F2IC34 vs MSTR, ZM, WDAY: Cyclically Adjusted PB Ratio 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.


BSP:F2IC34
73GF Score
Fair Isaac Corp BSP:F2IC34
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fair Isaac Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Fair Isaac's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

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)
=-471.809/330.2130*330.2130
=-471.809

Current CPI (Mar. 2026) = 330.2130.

Fair Isaac Quarterly Data

Book Value per Share CPI Adj_Book
201606 47.343 241.018 64.864
201609 46.990 241.428 64.271
201612 45.417 241.432 62.118
201703 43.142 243.801 58.433
201706 46.423 244.955 62.581
201709 44.180 246.819 59.107
201712 42.012 246.524 56.274
201803 40.742 249.554 53.910
201806 37.900 251.989 49.665
201809 40.703 252.439 53.243
201812 30.459 251.233 40.034
201903 32.712 254.202 42.493
201906 35.759 256.143 46.100
201909 41.242 256.759 53.041
201912 33.887 256.974 43.545
202003 35.981 258.115 46.031
202006 44.244 257.797 56.672
202009 61.446 260.280 77.956
202012 57.036 260.474 72.307
202103 43.648 264.877 54.414
202106 22.115 271.696 26.878
202109 -21.244 274.310 -25.573
202112 -114.830 278.802 -136.005
202203 -127.066 287.504 -145.942
202206 -169.404 296.311 -188.786
202209 -167.174 296.808 -185.989
202212 -167.255 296.797 -186.086
202303 -160.487 301.836 -175.575
202306 -137.269 305.109 -148.563
202309 -137.173 307.789 -147.167
202312 -142.936 306.746 -153.871
202403 -148.000 312.332 -156.473
202406 -181.840 314.175 -191.123
202409 -218.560 315.301 -228.897
202412 -284.087 315.605 -297.236
202503 -265.785 319.799 -274.440
202506 -321.628 322.561 -329.258
202509 -393.984 324.800 -400.550
202512 -415.126 324.054 -423.016
202603 -471.809 330.213 -471.809

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

Is Fair Isaac (BSP:F2IC34) Overvalued in 2026?

Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued. The current stock price of R$152.59 is trading 37.8% below its estimated GF Value™ of R$245.35. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for BSP:F2IC34:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: R$245.35 vs. price of R$152.59 (37.8% below fair value)
  • GF Score™: 73/100 with 1 warning sign

No single metric tells the full story. See the BSP:F2IC34 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.
73GF Score

Get the complete analysis for BSP:F2IC34

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

R$152.59
Price
R$245.35
GF Value